Anthem is one of the brands of parent company Elevance Health. Anthem-branded Medicare Advantage plans are available in 14 states as part of the Blue Cross Blue Shield collective, with New York plans sold under the Empire Blue Cross Blue Shield name.

Anthem plans offer competitive premiums and plenty of $0-premium options, but their ratings for quality and member satisfaction are below average.

Here’s what you should know about Anthem Medicare Advantage.

Anthem Medicare Advantage pros and cons
Anthem’s offerings have advantages and disadvantages.

Pros
Wide-ranging benefits: Many Anthem plans cover prescription drugs and have dental, vision, hearing and wellness benefits beyond what’s included in Original Medicare.

Flexibility for additional benefits: Anthem plans let some members choose from a menu of benefits and services — like transportation, help with housework or an allowance to spend on assistive devices — to add to their plan at no extra cost.

Flexible care options: Anthem members may have access to a 24/7 nurse line and 24/7 online appointments for virtual care.

Cons
Available in relatively few states: Anthem offers Medicare Advantage plans in only 14 states. Most of Anthem's competitors have a larger footprint.

Middling star and satisfaction ratings: Anthem plans' average star rating from the Centers for Medicare & Medicaid Services, or CMS, weighted by enrollment is 3.72 stars (the national average for all providers is 4.15 stars), and Anthem's parent company, Elevance Health, came in seventh out of nine providers in J.D. Power’s latest member satisfaction study.

Fewer members in 4-star or better plans: Of Anthem’s plans with star ratings, 63% of members were in plans rated 4 stars or better as of October 2022. That’s a lower rate than most major Medicare Advantage providers.

» MORE: Best Medicare Advantage plans
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Available Medicare Advantage plans
There are several kinds of Anthem Medicare Advantage plans, and they vary in terms of structure, costs and benefits. Anthem offers Medicare Advantage prescription drug plans, or MAPDs, as well as stand-alone prescription drug plans and Medicare Advantage plans without drug coverage.

Plan offerings include the following types:

PPO plans

SNPs

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Available Part D prescription drug plans
Most of Anthem’s Medicare Advantage plans include Part D drug coverage, but the company also sells stand-alone Part D prescription drug plans, or PDPs, in 12 states. These plans provide drug coverage for people enrolled in Medicare Part A and Part B, so they don’t provide medical coverage.

Anthem offers two plan options in each state where it sells stand-alone prescription drug plans: a standard option and a “plus” option with enhanced coverage. For example, if you live in Madison, Wisconsin, you have these two options from Blue Cross Blue Shield of Wisconsin:

Anthem MediBlue Rx Standard.

Anthem MediBlue Rx Plus.

Here’s how those plans compare:

Plan feature

Anthem MediBlue Rx Standard

Anthem MediBlue Rx Plus

Monthly premium

$67.60.

$60.20.

Annual deductible

$505.

None.

Drug copay, Tier 1*

$1.

$1.

Drug copay, Tier 2*

$2.

$4.

Drug copay, Tier 3*

$43.

$47.

*For a 30-day supply of a covered Part D prescription drug at a preferred retail pharmacy after meeting any applicable deductible.

Premiums, deductibles, covered drugs, costs for each tier and pharmacy arrangements all differ by plan. You can enter information about your prescriptions and choose your pharmacy on Anthem’s website to check how each available plan would cover your medications.

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Additional benefits
Many Anthem Medicare Advantage plans include a variety of extras, some that are built into the plan and others that members select from a menu of “Essential Extras.” Here are some examples, although their availability varies by plan:

Home safety funds: Members can receive $500 per year for assistive devices or safety features like handrails or temporary ramps.

Flex account: Members can receive $500 per year to spend on dental, vision or hearing on top of the coverage included in their plan.

Food perks: Members can receive monthly funds to spend on healthy groceries.

Home help: Members can be visited in their homes for companionship, help with bathing or dressing, housework or other chores and errands.

Transportation: Members can receive rides to and from health appointments.

SilverSneakers: Members can visit gyms and access live and prerecorded online fitness classes tailored to older adults.

Utility help: Members can receive up to $50 per month that can be used toward household utility payments or for internet or cell phone bills.

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Customer service
Here’s how Anthem members can contact customer service:

Call a state-specific phone number. Log in or select your state on Anthem’s Contact Us page to find the number and hours.

Chat on anthem.com or in Anthem’s Sydney Health app for Android or iOS.

Email help@anthem.com.

Contact Anthem through Twitter or Facebook.

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Anthem Medicare Advantage service area
Anthem offers Medicare Advantage plans in 14 states. The company also offers Medicare prescription drug plans in 12 states.

Anthem's parent company, Elevance Health, is the fourth-largest for-profit Medicare Advantage provider
[1]
. Anthem-brand plans covered more than 1.2 million Medicare Advantage beneficiaries as of October 2022, and the company added 142,000 new members for the 2023 plan year.

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Costs
Costs for Medicare Advantage plans depend on your plan, geographic location and health needs. One of the costs to consider is the plan’s premium. About 3 in 5 (58%) Anthem Medicare Advantage plans have $0 premiums
[2]
.

For 2023 Medicare Advantage plans with a premium, the monthly consolidated premium (including Part C and Part D) ranges from $6.90 to $170. For special needs plans, or SNPs, with a premium, monthly premiums range from $4.70 to $59
[3]
.

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $164.90 per month in 2023, although some plans cover part or all of this cost. (Most people pay this standard amount, but if your income is above a certain threshold, you'll pay more.)

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 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 Anthem plans or compare across carriers. You can also shop directly from Anthem’s website by entering your ZIP code.

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Medicare star ratings
Average star rating, weighted by enrollment: 3.72

CMS maintains star ratings for Medicare Advantage and Medicare Part D 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.

Based on the most recent year of data and weighted by enrollment, Anthem’s 2023 Medicare Advantage plans get average ratings of 3.72 stars
[4]
.

The average star rating for plans from all providers is 4.15
[5]
.

Of Anthem members in contracts with a Medicare star rating, 63% were in contracts rated 4.0 or above as of October 2022.