Local PPO · Special Needs Plan · Contract H9431 · 2026
First Health Life & Health Insurance Company
First Health Life & Health Insurance Company is a Local PPO Medicare Advantage plan from Aetna Medicare, available in 1 state. Here is its CMS quality rating, drug coverage, and benefits.
- 3.0★
- Average
- $0
- Premium/mo
- 3.0★
- Average
- 1
- States available
The verdict
First Health Life & Health Insurance Company holds a 3.0-star CMS rating, placing it below the national median of 484 rated Medicare Advantage contracts nationwide, at a $0 monthly premium.
- 24th pct.
- nationwide CMS rating percentile (of 484)
- 3.0★
- overall CMS star rating
- $0
- monthly premium
- $615
- annual drug deductible
Percentile is computed against every CMS-rated Medicare Advantage contract nationwide (contract_summary), not just plans sold in your area.
Where First Health Life & Health Insurance Company sits on CMS quality
This contract's overall CMS star rating, against every rated Medicare Advantage contract nationwide
3★ Top 76% higher than 24% of 484 CMS Medicare contracts
Each bar is a band; taller bars hold more CMS Medicare contracts. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source CMS Medicare Advantage Star Ratings 2026 · 2026-09-01
First Health Life & Health Insurance Company plan score
A single 0-100 verdict combining First Health Life & Health Insurance Company's nationwide standing on 4 of 4 CMS-filed measures: quality, affordability, cost protection, and supplemental-benefit richness, each from its own CMS source file. A missing filing drops out and redistributes its weight rather than deflating the score.
43/100
Percentile-weighted across 4 of 4 measures
- CMS quality (star rating)
- F 3 stars
24th percentile nationwide
- Affordability (premium)
- A 0 $/mo
100th percentile nationwide
- Cost protection (deductible)
- F 615 $/yr
0th percentile nationwide
- Benefit richness (supplemental coverage)
- D 4 benefits
43th percentile nationwide
Benchmarked live against every plan or plan-county row reporting each measure in the current CMS extract (CY2026 Star Ratings, Landscape file, and Plan Benefit Package). Not a CMS-endorsed score; PlainMedicare's own weighting (quality 40%, affordability 25%, cost protection 15%, benefit richness 20%).
What the CMS Data Shows About First Health Life & Health Insurance Company
First Health Life & Health Insurance Company operates under CMS contract H9431, issued by Aetna Medicare (parent organization CVS Health Corporation). The contract is classified as a Local PPO product, which governs how enrollees access care: PPO designs let members see out-of-network providers at higher cost-sharing, giving broader access than an HMO. This contract is also flagged in CMS data as a Special Needs Plan (SNP), meaning enrollment is restricted to beneficiaries meeting specific eligibility criteria, chronic condition, dual Medicare-Medicaid status, or institutional residence. Service area spans 1 state (ND) and 29 counties, a geography set at the CMS service-area definition level.
The overall CMS Star Rating for this contract is 3.0 out of 5.0, compared to 3.0 in the prior plan year (a 0.0-star movement). This rating synthesizes 41 individual quality measures spanning 10 CMS domains, including clinical outcomes, patient experience (CAHPS), member complaints and appeals, and plan operations. The Part D drug-benefit portion of this contract carries a separate CMS Star Rating of 3.0, which reflects pharmacy cost, adherence to chronic medications, and drug pricing accuracy. Ratings at 4+ stars trigger federal Quality Bonus Payments that insurers typically reinvest in supplemental benefits.
On costs, this contract lists a monthly plan premium of $0 (no premium beyond Part B) and an annual Part D drug deductible of $615.00, from the CMS CY2026 Landscape file; every enrollee also pays the standard Part B premium. Beyond standard Medicare Parts A and B, the contract documents 4 supplemental benefits in the CMS benefits file, coverage extras such as dental, vision, hearing aids, fitness programs, and OTC allowances that Original Medicare does not provide. Before enrolling, verify that your preferred providers participate in the plan's network for your specific county, review the current Summary of Benefits, and confirm that your prescriptions appear on the plan formulary. All figures shown come from CMS public-use files for the 2026 contract year; this page is informational only and is not personalized Medicare counseling advice.
Year-over-Year Star Rating
Quality Measures by Domain
Preventive Screenings
1 measuresBreast Cancer Screening
Managing Chronic Conditions
13 measuresControlling High Blood Pressure
Diabetes Care – Blood Sugar Controlled
Diabetes Care – Eye Exam
Follow-up after Emergency Department Visit for People with Multiple High-Risk Chronic Conditions
Getting Needed Care
Improving Bladder Control
Kidney Health Evaluation for Patients with Diabetes
Medication Reconciliation Post-Discharge
Osteoporosis Management in Women who had a Fracture
Plan All-Cause Readmissions
Reducing the Risk of Falling
Statin Therapy for Patients with Cardiovascular Disease
Transitions of Care
Member Experience
6 measuresCare Coordination
Complaints about the Health Plan
Customer Service
Getting Appointments and Care Quickly
Rating of Health Care Quality
Rating of Health Plan
Complaints & Changes
3 measuresHealth Plan Quality Improvement
Members Choosing to Leave the Plan
Plan Makes Timely Decisions about Appeals
Customer Service
3 measuresCall Center – Foreign Language Interpreter and TTY Availability
Call Center – Foreign Language Interpreter and TTY Availability
Reviewing Appeals Decisions
Drug Plan Customer Service
1 measuresComplaints about the Drug Plan
Drug Plan Experience
1 measuresMPF Price Accuracy
Drug Safety & Pricing
5 measuresMedication Adherence for Cholesterol (Statins)
Medication Adherence for Diabetes Medications
Medication Adherence for Hypertension (RAS antagonists)
MTM Program Completion Rate for CMR
Statin Use in Persons with Diabetes (SUPD)
Tests & Vaccines
5 measuresAnnual Flu Vaccine
Colorectal Cancer Screening
Improving or Maintaining Mental Health
Improving or Maintaining Physical Health
Monitoring Physical Activity
Member Complaints and Changes in the Drug Plan’s Performance
3 measuresDrug Plan Quality Improvement
Members Choosing to Leave the Plan
Rating of Drug Plan
Supplemental Benefits
| Benefit | Covered | Max Benefit |
|---|---|---|
| Hearing Aids | ✓ Yes | - |
| Hearing Exam | ✓ Yes | - |
| Vision, Eye Exam | ✓ Yes | - |
| Vision, Eyewear | ✓ Yes | - |
County Availability
Medicare Advantage Guides
Official Medicare resources
Frequently Asked Questions
What is the star rating for First Health Life & Health Insurance Company?
First Health Life & Health Insurance Company (Contract H9431) by Aetna Medicare has an overall CMS star rating of 3.0 out of 5. The previous year's rating was 3.0 stars. Star ratings are based on quality measures including preventive care, chronic disease management, and member satisfaction.
How much does First Health Life & Health Insurance Company cost per month?
First Health Life & Health Insurance Company has a monthly plan premium (Part C + D combined) of $0, no premium beyond your Part B premium, with an annual Part D drug deductible of $615. Every enrollee also pays the standard Part B premium (about $202.90/month in 2026). Premiums are from the CMS CY2026 Landscape file and can vary by county; confirm current costs on Medicare.gov.
What type of plan is First Health Life & Health Insurance Company?
First Health Life & Health Insurance Company is a Local PPO Medicare Advantage plan offered by Aetna Medicare. This is also a Special Needs Plan (SNP) designed for beneficiaries with specific diseases, characteristics, or care needs. PPO plans offer more provider flexibility, allowing you to see out-of-network providers at a higher cost.
Where is First Health Life & Health Insurance Company available?
First Health Life & Health Insurance Company is available in 1 state (ND) across 29 counties. Coverage area can vary, check with the insurer or Medicare.gov for exact availability in your ZIP code.
What supplemental benefits does First Health Life & Health Insurance Company offer?
First Health Life & Health Insurance Company covers 4 supplemental benefits beyond standard Medicare, including hearing aids, hearing exam, vision eye exam, vision eyewear. Many Medicare Advantage plans include dental, vision, and hearing coverage not available under Original Medicare.
How is First Health Life & Health Insurance Company rated on quality measures?
CMS evaluates First Health Life & Health Insurance Company across 41 individual quality measures spanning 10 domains, including DD1: Drug Plan Customer Service, DD2: Member Complaints and Changes in the Drug Plan’s Performance, DD3: Member Experience with the Drug Plan and more. These measures cover clinical outcomes, patient experience, and plan operations.
Data Source
Data from CMS Medicare Advantage 2026 Star Ratings and Plan Finder datasets. Contract ID: H9431. Last updated: 2026 plan year.
Nationwide Medicare Advantage plans with similar county footprint or CMS star rating
Data-derived peers across the CMS Landscape file: nearest county inventory and nearest overall CMS star rating at the contract level. Not parent-org containment or same-state overlap.
Similar county footprint
- Pacificsource Community Health Plans 29 counties
- American Health Plan OF Pennsylvania Inc 29 counties
- Wellcare Health Insurance Company OF Oklahoma, Inc 30 counties
- Usable HMO, Inc. 30 counties
- Bluecross AND Blueshield OF South Carolina 30 counties
- Kaiser Foundation HP, Inc. 30 counties
Similar CMS star rating
Related
Before you enroll in First Health Life & Health Insurance Company
Star rating and network fit matter more than the premium alone.
- This contract holds a 3.0-star CMS rating, below the national median of rated plans nationwide - see how star ratings are built before comparing plans. How star ratings work
- Check that your doctors and drugs are in-network before you enroll, and confirm the plan on Medicare.gov. Medicare Plan Compare
- This plan documents 4 supplemental benefits beyond Original Medicare - see how it stacks up against Original Medicare's coverage. MA vs Original Medicare
Figures are from CMS CY2026 public files for this contract; benefits and premiums can vary by the specific plan you enroll in and your county.
PlainMedicare is rendered directly from CMS Medicare Advantage and Part D public files, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a correction. Data current as of 2026-09-01.
CMS lists 131,985 Medicare Advantage and Part D plan records in the current public files. PlainMedicare refreshes this registry with each annual release.