Skip to content

Braven Health Medicare Advantage 2025 Review

Braven Health offers $0-premium PPO plans in most of New Jersey, but it falls behind on quality.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Apr 22, 2025
Fact Checked
Profile photo of Alex Rosenberg
Written by Alex Rosenberg
Lead Writer & Content Strategist
Profile photo of Holly Carey
Edited by Holly Carey
Managing Editor
Profile photo of Alex Rosenberg
Written by Alex Rosenberg
Lead Writer & Content Strategist
Profile photo of Holly Carey
Edited by Holly Carey
Managing Editor
+ 0 more+ 1 more

The bottom line: Braven Health Medicare Advantage plans are available throughout New Jersey. The company sells exclusively PPO plans, and they’re available with $0 premiums in most counties. However, Braven Health’s star ratings are below average, and out-of-pocket limits can be high. Jump to: Full Review

Braven Health - Medicare Advantage - Chapter
Braven Health
3.50
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

Braven Health Medicare Advantage pros and cons

Pros

  • $0 PPO options: $0-premium preferred provider organization (PPO) plans are available in all but four New Jersey counties.

Cons

  • Below-average star ratings: Braven Health trails the all-company weighted average for star ratings from CMS.
  • High out-of-pocket limits: Plans have higher maximum out-of-pocket limits than most competitors.
  • Limited availability: Braven Health plans are available only in New Jersey.

Compare against other providers

Advertisement
UnitedHealthcare Medicare Advantage - UHC (product card)
UnitedHealthcare
3.95
CMS Star Rating
from UnitedHealthcare
Call UnitedHealthcare
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 UnitedHealthcare Medicare Advantage

Aetna Medicare Advantage
Aetna
4.29
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 Aetna Medicare Advantage

Humana Medicare Advantage - Chapter
Humana
3.63
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 Humana Medicare Advantage

Cigna Medicare Advantage
Cigna
3.97
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 Cigna Medicare Advantage

» More options in our roundup of the best Medicare Advantage plans

Compare against other providers

Advertisement
UnitedHealthcare Medicare Advantage - UHC
UnitedHealthcare
3.95
CMS Star Rating
from UnitedHealthcare
Call UnitedHealthcare
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 UnitedHealthcare Medicare Advantage

Humana Medicare Advantage - Chapter
Humana
3.63
CMS Star Rating
on NerdWallet
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
IS THIS PROVIDER AVAILABLE IN MY STATE?

🔍 Humana Medicare Advantage

» More options in our roundup of the best Medicare Advantage plans

Our full review

45+ Medicare companies and brands analyzed by our team of experts.

30+ years of combined experience covering Medicare and personal finance.

Governed by NerdWallet's strict guidelines for editorial integrity.

NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.

Braven Health Medicare star ratings

Average star rating, weighted by enrollment: 3.5

Braven Health Medicare Advantage plans are rated below the industry average, receiving an average rating of 3.5 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment.

For comparison, the average weighted star rating for plans from all providers is 3.96.

CMS maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

You can find a plan’s rating with the Medicare plan finding tool.

What does Braven Health Medicare Advantage cost?

In 2025, about half (49%) of Braven Health Medicare Advantage plans have $0 premiums. Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $185 per month in 2025.

(Most people pay this standard Part B amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of your Part B premium.)

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

  • Whether the plan covers any part of your monthly Medicare Part B premium.

  • The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

  • Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

  • The plan’s in-network and out-of-network out-of-pocket maximums.

  • Whether your medical providers are in-network or out-of-network, or how often you may go out-of-network for care.

  • Whether you require extra benefits, and whether the plan charges for them.

To get a sense of costs, use Medicare’s plan finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Braven Health plans or compare across carriers.

Braven Health Medicare Advantage plan types

All Braven Health Medicare Advantage plans offered in 2025 are preferred provider organization (PPO) plans.

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.

All Braven Health plans also include prescription drug coverage.

Braven Health Medicare Advantage service area

Braven Health offers Medicare Advantage plans in New Jersey only, but they’re available in all of the state’s 21 counties. The company covers just over 56,000 Medicare Advantage members.

Compare Medicare Advantage providers

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Braven Health - Medicare Advantage - Chapter
Braven Health
3.50
CMS Star Rating
Braven Health offers $0-premium PPO plans in most of New Jersey, but its star ratings are below average and out-of-pocket maximums are high.
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
Braven Health offers $0-premium PPO plans in most of New Jersey, but its star ratings are below average and out-of-pocket maximums are high.
States available 1 state
Members in high-rated plans Low (49% or less)
Member experience 3.5 (Above average)
IS THIS PROVIDER AVAILABLE IN MY STATE?

NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.

Medicare Advantage review methodology

The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.

NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.

Compare Medicare Advantage plans

Insurance company
CMS star rating
States available
Members in high-rated plans
Member experience
Learn more
(855) 821-0556 / TTY 711
Call UnitedHealthcare
from UnitedHealthcare
Advertisement
UnitedHealthcare Medicare Advantage logo
UnitedHealthcare
(855) 821-0556 / TTY 711
Call UnitedHealthcare
from UnitedHealthcare
3.95
3.95/5
49 states and Washington, D.C.Medium (50% to 84%)3.41 (Average)
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
Humana Medicare Advantage logo
Humana
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
3.63
3.63/5
48 states, Washington, D.C., and Puerto RicoLow (49% or less)3.62 (Above average)
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
Aetna Medicare Advantage logo
Aetna
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
4.29
4.29/5
44 states and Washington, D.C.High (85% to 100%)4.01 (Above average)
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
Cigna Medicare Advantage logo
Cigna
(855) 432-0512 / TTY 711
M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.org
on NerdWallet
3.97
3.97/5
29 states and Washington, D.C.Medium (50% to 84%)3.82 (Above average)