Braven Health Medicare Advantage 2024-2025 Review

Braven Health offers $0-premium PPO plans in most of New Jersey, but it falls behind on quality.

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Written by Alex Rosenberg
Lead Writer
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Edited by Holly Carey
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Fact Checked

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

3.5

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

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

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UnitedHealthcare

3.82

CMS Star Rating

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Aetna Medicare Advantage

Aetna

4.27

CMS Star Rating

(855) 432-0512

TTY 711

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on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?
Humana Medicare Advantage

Humana

3.63

CMS Star Rating

(866) 215-2655

TTY 711

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GET A QUOTE

from Humana

5am - 8pm, daily PST

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(866) 215-2655

TTY 711

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Cigna Medicare Advantage

Cigna

3.93

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

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

Compare against other providers

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UnitedHealthcare Medicare Advantage - UHC

UnitedHealthcare

3.82

CMS Star Rating

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GET A QUOTE

from UnitedHealthcare

Call UnitedHealthcare
IS THIS PROVIDER AVAILABLE IN MY STATE?
Humana Medicare Advantage

Humana

3.63

CMS Star Rating

(866) 215-2655

TTY 711

Call Humana
GET A QUOTE

from Humana

5am - 8pm, daily PST

Call Humana
(866) 215-2655

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

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

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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

Centers for Medicare & Medicaid Services. 2025 Star Ratings Data Tables (ZIP). Accessed Oct 21, 2024.
.

For comparison, the average weighted star rating for plans from all providers is 3.92

Centers for Medicare & Medicaid Services. Fact Sheet - 2025 Medicare Advantage and Part D Star Ratings. Accessed Oct 21, 2024.
.

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

Centers for Medicare & Medicaid Services. CY2025 Landscape (202409.1). Accessed Oct 21, 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 ($185 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 about 49,000 Medicare Advantage members

Centers for Medicare & Medicaid Services. Monthly Enrollment by Contract. Accessed Oct 21, 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 Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Braven Health - Medicare Advantage - Chapter

Braven Health

3.5

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.

(855) 432-0512 / TTY 711

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

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?

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?

Pros

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

Cons

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

Medicare will have big changes in 2025. Compare Medicare Advantage plans