Braven Health Medicare Advantage 2024 Review

Braven Health offers $0-premium PPO plans throughout New Jersey, but it falls behind on quality.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

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Braven Health - Medicare Advantage - Chapter

Braven Health


CMS Star Rating

Braven Health sells Medicare Advantage plans in New Jersey only. It offers $0-premium PPO plans, but star ratings from CMS are below average.

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States available

1 state

Members in high-rated plans

Low (49% or less)

Member experience

3.67 (Average)

States available

1 state

Members in high-rated plans

Low (49% or less)

Member experience

3.67 (Average)


  • $0-premium PPO plans available in every New Jersey county.


  • Below-average star ratings from CMS.
  • High maximum out-of-pocket limits.
  • Plans available in New Jersey only.

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.


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


  • 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

Centers for Medicare & Medicaid Services. 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP). Accessed Apr 17, 2024.

For comparison, the average star rating for plans from all providers for 2024 is 4.04

Centers for Medicare & Medicaid Services. 10.13.23 Fact Sheet - 2024 Medicare Advantage and Part D Ratings (PDF). Accessed Apr 17, 2024.

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

Still deciding on the right carrier? Compare Medicare Advantage plans

What does Braven Health Medicare Advantage cost?

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


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

Centers for Medicare & Medicaid Services. CY2024_Landscape_Files_Final_20240314 (ZIP). Accessed Apr 17, 2024.

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

Centers for Medicare & Medicaid Services. Understanding Medicare Advantage Plans. Accessed Apr 17, 2024.

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

Centers for Medicare & Medicaid Services. Monthly Enrollment by Contract. Accessed Apr 17, 2024.

Compare Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

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 or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Still deciding on the right carrier? Compare Medicare Advantage plans