Get Your Medicare Advantage Sales Contracts Here — Recommendations for 2025

Which Medicare Advantage carriers should be in your portfolio for 2025? We’ve got the answer!

Below are the Medicare Advantage (MA) products we recommend agents contract to sell during the upcoming plan year. For all of our competitive carrier contracts, please click on your state(s) on our product availability map.

Get a Contract to Sell Aetna Medicare Advantage

Aetna is one of the largest health insurance carriers, offering not only MA plans, but also Medicare Supplements (Med Supps) and Part D prescription drug plans (PDPs). Many of your clients will have heard of this carrier and may have even had other types of insurance through this carrier before. The sense of trust that often comes with brand-name products, such as Aetna’s, continues to make their plans great picks for your portfolio.

Something new is available from Aetna for 2025 – their first-ever C-SNP product options! The introduction of this plan type is coming to the Pittsburg, Philadelphia, and Chicago markets. Aetna is also keeping an abundance of $0-premium traditional MA plans that can feature a tier 1 Recalibrated Extra Benefits Card, dental, vision, and hearing benefits, OTC allowance, and SilverSneakers^® fitness benefit. For MA-only plans, they are expanding their offerings 600 counties and three additional states – RI, MD, and DC. Additionally, Aetna is doubling down on D-SNP in 2025 with Supplemental benefits designed to complement state offering and reduce duplication.

Aetna MA plans are fantastic options for agents selling in AL, AR, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, KY, LA, MD, ME, MO, NH, NY, NC, OH, PA, RI, SC, SD, VA, WA, WV.

Registered with Ritter? Log in to get appointed with Aetna.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell AmeriHealth Medicare Advantage

2024 was AmeriHealth’s MA debut to the New Jersey market, and they’re coming back strong for 2025. Together, the AmeriHealth family of companies serves more than five million members in 13 states and the District of Columbia with quality, award-winning managed care health plans, including Medicaid, Medicare, long-term services and supports (LTSS), behavioral health, and pharmacy benefit management services.

Heading into 2025, AmeriHealth will be utilizing their large network of doctors, hospitals, specialists, and pharmacies that includes participating Medicare providers across all NJ counties and even some in PA! Consumers have access to great service and personal attention, extra benefits, such as a generous dental, vision, and hearing flex allowance and a free fitness membership on all plans, as well as transportation and meal benefits on select plans.

AmeriHealth MA plans are fantastic options for agents selling in NJ.

Registered with Ritter? Log in to get appointed with AmeriHealth.

Not registered yet? Let us know you’re interested.

Note: Our AmeriHealth MAPD contract is under Independence in Contract Now. Select IBC — AmeriHealth Medicare for the proper plan year.

Get a Contract to Sell Capital Blue Cross Medicare Advantage

For more than 80 years, Capital Blue Cross has served their members by offering health insurance products, services, and technology solutions that help their members live healthier lives. Along with one of the largest networks of doctors and hospitals in Central Pennsylvania and the Lehigh Valley, Capital Blue Cross’ 2025 Medicare plans can include robust perks like fitness benefits, transportation to doctor appointments, quarterly over-the-counter (OTC) allowance, and more!

Offer your clients an MA plan from Capital Blue Cross, available in 2025 in 21 counties in central Pennsylvania and the Lehigh Valley. Monthly premiums, medical deductibles, primary care physician (PCP) and VirtualCare copays can all be as low as $0. PPO members can rest assured they’ll have better access to coverage when traveling with the Visitor/Traveler program. Also, new vendors for 2025 include TruHearing^® and FitOn Health!

Capital Blue Cross plans are fantastic options for agents selling in PA.

Registered with Ritter? Log in to get appointed with Capital Blue Cross.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Cigna Healthcare Medicare Advantage

Extending back to 1792, Cigna Healthcare is the oldest stockholder-owned insurer in the nation! While they’ve only been offering Medicare plans for the last half century, their products have shown great stability throughout. More than 189 million customers already trust this carrier for coverage and your clients might, too!

This AEP, offer your clients a selection of HMO and PPO MA plans that can help them save money with low or no monthly premiums, depending on the plan selected. For 2025, most plans continue to be at a $0 premium, all in-network labs are $0, and their Part B giveback and Courage (tailored to veterans) plans have been expanded. All Cigna Healthcare’s plans include dental, vision, hearing, transportation, and OTC benefits; most plans offer meals and fitness benefits. Every person enrolled in a Cigna Healthcare MA plan also receives a Cigna Healthy Today Card, to use their quarterly allowance and earned rewards at participating retailers.

Cigna Healthcare MA plans are fantastic options for agents selling in AR, AZ, FL, GA, IL, NJ, NV, NY, PA, SC, TN, and TX.

Registered with Ritter? Log in to get appointed with Cigna Healthcare.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Clear Spring Health Medicare Advantage

Since 2017, MA plans from Clear Spring Health have provided extra benefits and access to quality doctors and hospitals to maintain health without digging deeper into member’s retirement savings. All of their 2025 MAPD plans offer $0 premiums and $0 primary physician copays!

HMO, PPO, and C-SNP plan benefits are even more robust in 2025 for this carrier! Generous monthly and comprehensive allowances for healthy food groceries, utilities, OTC, and dental coverage can help improve your clients’ lives. Expansive coverage areas enhance the sales potential and make these MA plans a competitive option this AEP!

Clear Spring Health MA plans are fantastic options for agents selling in CO, GA, IL, SC, and VA.

Registered with Ritter? Log in to get appointed with Clear Spring Health.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Clover Health Medicare Advantage

Since 2013, Clover Health has grown its membership on average 20 percent per year thanks in part to the efforts of the broker community. According to Deft Research, among parent organizations with 50,000 or more members, Clover Health ranked as one of the fastest-growing Medicare Advantage plans by percent growth in the country for the past two AEPs.

Clover Health is expanding their MA-only product to the Northeast in 2025, making it available in NJ and PA! All of their plans are commissionable and come with great selling potential. Also new for 2025, One Pass is replacing SilverSneakers^® for an enhanced member experience, offering more locations and wellness activities. Their plans’ supplemental benefits can include dental and OTC allowance, LiveHealthy rewards, and more! And a broad and open provider network and access to The Clover Assistant make receiving quality care easy.

Clover Health MA plans are fantastic options for agents selling in GA and NJ.

Registered with Ritter? Log in to get appointed with Clover Health.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Devoted Health Medicare Advantage

Many won’t find an MA carrier as devoted to them as Devoted Health. This carrier features an easy certification process, so there’s no hurdle preventing agents from selling their plans. For the 2024 AEP, Devoted Health ranked third nationally on absolute number of net new MA members added, following only Aetna and Humana.^* Their Medicare portfolio boasts MA PPO and HMO plans, D-SNPs, and C-SNPs, varying by market.

In 2025, Devoted Health is offering plans in 20 states — seven new and 13 existing. This carrier is continuing to invest in high Part B giveback values, all D-SNP products feature a Food & Home Card, and C-SNP HMO clients can benefit from a $0 premium, or a premium reduced to $0 if they receive 100 percent LIS/Extra Help.

Devoted Health MA plans are fantastic options for agents selling in AL, AZ, CO, FL, HI, IL, NC, OH, OR, PA, SC, TN, and TX.

Registered with Ritter? Log in to get appointed with Devoted Health.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Elevance Health Medicare Advantage

A leader in Medicare, Elevance Health, formerly Anthem, serves more than 115 million members.^* Their robust product portfolio features MA-only plans, Medicare Advantage Prescription Drug (MAPD) plans, Dual Eligible Special Needs Plans (D-SNPs), Chronic Condition Special Needs Plans (C-SNPs), PDPs, and Medicare Supplements. This carrier has provided clients with access to 95 percent of physicians and 96 percent of hospitals! For those who aren’t aware, this insurer is the second largest Medicaid company in the nation and has the second largest SNP market share in their footprint.

Be sure to check out this carrier’s improved dental offerings on select plans and service areas for 2025 that will allow members to access to out of network dentists by changing HMO plans to HMO-POS plans. Additionally, the reach of 2025 Everyday Options Allowances (EOA) is expanding to better meet the specific needs of dual eligibles and improve member health outcomes.

Elevance MAPD plans (called Wellpoint in some states) are fantastic options for agents selling in CA, FL, GA, IN, KS, KY, MO, NJ, OH, TX, VA, and WI.

Registered with Ritter? Log in to get appointed with Elevance Health.

Not registered yet? Let us know you’re interested.

Note: Our Elevance contract is under Anthem in Contract Now.

Get a Contract to Sell Essence Healthcare Medicare Advantage

Since 2003, Essence Healthcare has been committed to ensuring a higher quality of life for Medicare beneficiaries by centralizing their benefits in simple and affordable MAPD plans. Awarded a 5-star rating three years in a row, Essence Healthcare’s plans are typically equipped with comprehensive coverage — as well as valuable extra benefits!

Affordable Medicare coverage is in for Essence Healthcare in 2025 with the offering of competitive $0-premium HMO and PPO plans. Benefits members can experience include dental, vision, hearing, fitness, transportation, and Flexible Benefits Card.

Essence Healthcare MA plans are fantastic options for agents selling in AR, IL, IN, KY, OH and MO.

Registered with Ritter? Log in to get appointed with Essence Healthcare.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Excellus BlueCross BlueShield Medicare Advantage

Excellus BlueCross BlueShield, also known as Univera Healthcare in some counties, is one of the largest non-profit health plans in upstate New York. They are part of a $6 billion family of companies that finances and delivers health care services across upstate New York. Collectively, the enterprise provides health insurance to nearly 1.5 million members and employs more than 4,000 New Yorkers. Excellus BCBS offers Medicare Advantage and Medicare Supplement plans to beneficiaries in 39 counties throughout Western, Central, and Eastern NY and feature robust provider networks and strong supplemental benefits.

Excellus BCBS’ MA plans are some of the highest rated in the nation by Medicare and offer dental, vision, and hearing coverage on most plans, as well as impressive supplemental benefits like transportation to appointments, meal delivery, telehealth, and more. In 2025, this carrier will maintain $0-premium plans, maintain or increase OTC allowances on existing plans. They are introducing new PPO plans in Western NY and Rochester and are now utilizing FitOn as their fitness vendor!

Excellus BCBS MA plans are fantastic options for agents selling in NY.

Registered with Ritter? Log in to get appointed with Excellus BlueCross BlueShield.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Gold Kidney Health Plan Medicare Advantage

With a patient-centric care approach, Gold Kidney integrates payer, provider, and care management technology to effectively improve patient outcomes and quality. This carrier was created to serve members with renal disease, diabetes, cardiovascular disorders, and chronic heart conditions. They offer standard MA plans, that feature $0 premium, deductible and PCP copay options, to meet everyday health care needs.

This carrier is expanding to 17 new counties for 2025 – four in Arizona and 13 in Florida! Along with growth of their network, they’re innovating their benefits with perks like a free cellphone and data plan, transplant benefits, continued and enhanced flex allowance for dental, vision, and hearing, and transportation options. Additionally, your clients can benefit from $0 copays for key specialists, low MOOPs, no deductibles and low copays for Part D benefits, and Companion Care and Fitness continued on all plans.

Gold Kidney Health Plan MA plans are fantastic options for agents selling in AZ and FL.

Registered with Ritter? Log in to get appointed with Gold Kidney Health Plan.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Highmark Medicare Advantage

The fourth largest overall Blue Cross Blue Shield affiliated organization, Highmark Inc. and its Blue-branded affiliates currently offers multiple MA and Part D solutions throughout Pennsylvania, Delaware, New York, and West Virginia. Today, this carrier meets the needs of approximately seven million members! Highmark is a well-known, competitive carrier that is a favorite of both clients and agents due to their wide availability, diverse product offerings, and robust supplemental benefits!

New PPO plans are hitting the market from Highmark for 2025! All of their affordable PPO plans include BlueCard access to BCBSA’s national network of doctors and hospitals. Additionally, Highmark is implementing a 2025 strategy to offer supportive benefits to improve the health of full duals and their care options, specifically promoting the advantages of having Highmark-aligned Medicaid and Medicare.

Highmark MA plans are fantastic options for agents selling in the Mid-Atlantic region.

Registered with Ritter? Log in to get appointed with Highmark.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Humana Medicare Advantage

Since 1961, Humana has been committed to helping people live healthy and happy. For the second year in a row, U.S. News & World Report recognized Humana as the 2024 Best Insurance Company for Medicare Advantage in three categories. Most of their affordable MA plans typically feature additional supplemental benefits vision, dental, and fitness.

Significant expansion is taking place in 2025 for Humana — more than 90 new plans across 18 states including 114 counties with expanded Special Needs Plan coverage and 36 counties with MA-only plans. Additionally, their plans will continue to be an affordable option for your clients as they are maintaining access to $0-premium plans. Rest assured, your clients can experience quality coverage from a Humana Medicare plan, as 94 percent of their membership is enrolled in a four-star plan or better.

Humana MA plans are fantastic options for agents selling in FL, GA, IL, IN, NC, NY, OH, OR, PA, SC, TX, and WA.

Registered with Ritter? Log in to get appointed with Humana.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Independence Blue Cross Medicare Advantage

As the largest health insurer in the Philadelphia area, Independence Blue Cross currently offers robust MA plan options in the five counties of Southeastern PA. This carrier is affiliated with more than 49,000 providers and 180 hospitals, and their MA plans include supplemental benefits!

New selling options are on the horizon with this carrier for the upcoming AEP with the premier of an additional HMO-POS plan and a PPO plan! Also new for 2025, specialist copays will be as low as $0 per visit and copays will be $0 for tier 1 and tier 2 generic drugs at a preferred pharmacy or through mail order. Additionally, dental allowances up to $3,000 per year will now also cover implants. Members will have access to One Pass fitness benefits on all MA plans, the Visitor/Traveler program on PPO plans, and a $300 annual allowance for medical, dental, vision, hearing, or supplies on select plans.

Independence Blue Cross MA plans are fantastic options for agents selling in PA.

Registered with Ritter? Log in to get appointed with Independence Blue Cross.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Jefferson Health Plans Medicare Advantage

Jefferson Health Plans, formerly Health Partners Plans, is a competitive carrier in the central and eastern parts of Pennsylvania. For more than 35 years, this carrier has offered health plans to improve the health and wellness of members at all stages of life.

This year, Jefferson and Lehigh Valley Health Network have signed a definitive agreement to combine, creating a leading integrated academic health care delivery system, alongside a national research university and an expanded not-for-profit health plan. Jefferson Health Plans provide agents with a comprehensive portal containing eApps, a drug cost estimator, lead capture, and more, which makes selling their competitive MA plans seamless.

New selling options for the 2025 AEP include three new PPO plans from Jefferson Health Plans — one in PA and two in NJ! Their low- to no-monthly-premium plans feature a Flex Card benefit for dental, vision and hearing expenses and a $0 copay SilverSneakers^® fitness center membership.

Jefferson Health Plans MA plans are fantastic options for agents selling in NJ and PA.

Registered with Ritter? Log in to get appointed with Jefferson Health Plans.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Medical Mutual Medicare Advantage

As Ohio’s oldest and largest health insurance company, Medical Mutual has been offering quality health insurance products since 1934. Their 2025 HMO and PPO MA plans can include prescription drug coverage, $0 member cost on select dental services, a $50 monthly grocery card, and more. Additionally, Medical Mutual has received Accredited Status from the National Committee for Quality Assurance (NCQA) in three categories. This AEP, choose to contract with a carrier that has been a trusted insurance provider for more than 90 years.

Looking forward to 2025, this carrier has expanded to new counties and is removing the inpatient requirement for their transportation benefit! Also, select plans will feature $0 PCP visit copays, $0 specialist visits, and a $0 prescription drug deductible.

Medical Mutual MA plans are fantastic options for agents selling in OH.

Registered with Ritter? Log in to get appointed with Medical Mutual.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell UnitedHealthcare Medicare Advantage

Don’t miss this one: UnitedHealthcare is the largest Medicare insurer in the country and the only one with an AARP name. Your clients will almost certainly have heard this name.

This carrier offers MA plans, Med Supp plans, PDPs, D-SNPs, and more. Not only have they offered a long list of benefits, but they’ve also paid lifetime commissions on most MAPD plans. Their MA network has been the largest MA national network. And, UnitedHealthcare’s drug coverage has been more comprehensive than many stand-alone Part D plans!

Four new plans are hitting the market from UnitedHealthcare in 2025 in addition to the expansion of their D-SNP and C-SNP. Now, 70 percent of dual eligibles will have access to one of this carrier’s SNP plans. There are also many $0 features that include premiums, copays, tier 1 drugs, and more. There will also be exciting PDP selling potential from UnitedHealthcare with two AARP Medicare RX plans and all are fully commissionable!

UnitedHealthcare MA plans are fantastic options for agents selling in AZ, CO, CA, DE FL, GA, IL, IN, KY, LA MD, MA, MI, NC, NJ, NV, NY, OH, PA, SC, TN, TX VA, and WA.

Registered with Ritter? Log in to get appointed with UnitedHealthcare.

Not registered yet? Let us know you’re interested.

Get a Contract to Sell Wellcare Medicare Advantage

For more than 20 years, Wellcare has offered a range of Medicare products, including affordable MA and Part D prescription drug plans. Wellcare (part of the Centene family) is trusted by one in 15 Americans for health coverage. Their product portfolio, which includes D-SNP, C-SNP, HMO, and PPO plans, is what allows them to support members with the quality care they need and deserve.

For 2025, Wellcare’s robust Spendables Card benefit will continue to be a leader in allowance amounts and ease of use for beneficiaries. Their OTC benefit is being enhanced to include Amazon with Prime enabled shipping. Additionally, expansion is on the horizon in 2025 for Wellcare as they are introducing a C-SNP in Arizona, California, and Nevada!

Wellcare MA plans are fantastic options for agents selling in AZ, DE, GA, IL, IN, KY, LA, MI, MO, NY, SC, TX (Dallas, Fort Worth, and Houston counties), and WA.

Registered with Ritter? Log in to get appointed with Wellcare.

Not registered yet? Let us know you’re interested.

Still Not Sure Which Carrier(s) to Choose?

We understand that selecting the right carriers and products to add to your portfolio is a big decision. Let Ritter help you with a free portfolio review! Our knowledgeable sales staff will analyze your current offerings and local sales market to compile a customized Smart Sheet. This sheet can give you the insight and confidence you need to enhance your portfolio before AEP!

Are you bolstering your MA sales with hospital indemnity insurance? MA and hospital indemnity plans make a perfect pair as the coverage a hospital indemnity plan provides can be used to pay for deductibles, ER visits, observation stays, surgeries, and other expenses an MA plan alone might not fully cover. Reach out to your Ritter sales specialist today to get your portfolio equipped with competitve hospital indemnity plans!