Braven Health Medicare Advantage 2024 Review

Braven Health Medicare Advantage plans are available in New Jersey. The company offers $0-premium PPO plans throughout its service area, but it gets below-average star ratings for quality from the Centers for Medicare & Medicaid Services (CMS).

Here’s what you should know about Braven Health Medicare Advantage.

Braven Health Medicare Advantage pros and cons

Braven Health Medicare Advantage plans have advantages and disadvantages.

Pros

• $0 PPO options: $0-premium preferred provider organization (PPO) plans are available in all 21 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.

Braven Health Medicare star ratings

Average star rating, weighted by enrollment: 3.5

The Centers for Medicare & Medicaid Services (CMS) releases annual star ratings that rank Medicare plans from best (5 stars) to worst (1 star). The agency’s ratings are based on data measuring plans’ quality of care and customer satisfaction.

Based on the most recent year of data and weighted by enrollment, Braven Health Medicare Advantage plans get an average overall 2024 star rating of 3.5 stars^[0]

For comparison, the average star rating for plans from all providers for 2024 is 4.04^[0]

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

What does Braven Health Medicare Advantage cost?

Costs for Medicare Advantage plans will depend on your plan, geographic location and health needs.

Premiums

One of the costs to consider is the plan’s premium. In 2024, about 7 in 10 (72%) Braven Health Medicare Advantage plans have $0 premiums^[0]

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024, although some plans cover part or all of this cost^[0]

Copays, coinsurance and deductibles

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 2024 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 about 48,000 Medicare Advantage members^[0]