Molina Medicare Advantage 2024-2025 Review

Molina Medicare Advantage pros and cons

Our full review

Molina Medicare star ratings

Average star rating, weighted by enrollment: 3

Molina Medicare Advantage plans are rated below the industry average, receiving an average rating of 3 stars out of 5 from CMS for 2025, weighted by enrollment. For comparison, the average weighted star rating for plans from all providers is 3.92^[0]

Of Molina members who are in plans with a Medicare star rating, none are in plans rated 4.0 or above for 2025^[0]

CMS maintains its own star ratings, which rank each plan 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 Medicare's plan finding tool.

What does Molina Medicare Advantage cost?

All of Molina’s Medicare Advantage plans have $0 premiums in 2025^[0]

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).

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 Molina plans or compare across carriers.

Molina Medicare Advantage plan types

There are two kinds of Molina Medicare Advantage plans, and all Molina Medicare Advantage plans include prescription drug coverage.

Plan offerings include the following types:

Molina third-party ratings

NCQA Score Range: 2.0 to 3.0 out of 5

The National Committee for Quality Assurance rates health insurance plans on a 5-point scale (with 5 being best) based on quality of care, patient satisfaction and health plans’ efforts to keep improving.

In its September 2024 ratings, the NCQA scored Molina plans between 2.0 and 3.0 stars, with the majority receiving ratings of 2.5 stars^[0]

Molina Medicare Advantage service area

Molina offers Medicare Advantage prescription drug plans in 15 states.

Molina is number nine among the largest for-profit Medicare Advantage companies, by enrollment, with about 156,000 Medicare beneficiaries^[0]