gohealth medicare review — GoHealth is one of the largest Medicare marketplaces in the United States. Founded in 2001 and headquartered in Chicago, Illinois, GoHealth connects Medicare beneficiaries with plans from major insurance carriers. The company trades on NASDAQ under the ticker symbol GOCO. GoHealth is not an insurance carrier itself.
- GoHealth Overview and Financial Strength
- Gohealth Medicare Review: Medicare Plan Options
- GoHealth Medicare Rates and Enrollment
- GoHealth Additional Benefits and Perks
- GoHealth Claims Process and Customer Service
- Pros and Cons of GoHealth Medicare Plans
- Who Is GoHealth Best For?
- Frequently Asked Questions
Instead, it operates as a licensed marketplace and distributor. Its platform helps seniors compare and enroll in Medicare Advantage, Medigap, Part D, and Special Needs Plans. GoHealth partners with carriers like Humana, Aetna, UnitedHealthcare, Cigna, and Anthem. In this gohealth medicare review, we examine its plan options, enrollment process, customer service, and overall value for Medicare beneficiaries.
GoHealth Overview and Financial Strength
GoHealth was originally founded as Norvax, Inc. by Clint Jones and Brandon Cruz. The company rebranded and expanded into the Medicare space over the following decade. In 2012, GoHealth became a government-approved CMS exchange. Centerbridge Partners acquired a majority stake in 2019 at a valuation of approximately $1.5 billion. GoHealth went public in July 2020. The company reported net revenues of $798.9 million for fiscal year 2024. That represented 9 percent year-over-year growth. However, the company has faced financial volatility in recent quarters.
Understanding GoHealth’s rating profile requires an important distinction. GoHealth is a marketplace, not an insurance carrier. As a result, it does not carry its own AM Best financial strength rating. AM Best ratings apply only to insurance carriers. The individual plans GoHealth sells carry ratings from their respective carriers. For example, a Humana Medicare Advantage plan sold through GoHealth would carry Humana’s AM Best rating. Similarly, GoHealth does not have its own NAIC complaint ratio. The NAIC Consumer Information Source tracks complaints against licensed carriers, not brokers or marketplaces.
CMS Star Ratings also apply to the plans GoHealth distributes. You can check plan-specific star ratings on the Medicare.gov Plan Finder. GoHealth does hold a BBB A+ rating with accreditation. The company has earned a 4.8 out of 5 trust score on Trustpilot from over 18,000 reviews. Any gohealth medicare review should note this marketplace distinction when evaluating the company.
| Rating Source | Score / Grade | Notes |
|---|---|---|
| AM Best | N/A (marketplace) | Ratings apply to partner carriers, not GoHealth |
| CMS Star Rating | N/A (marketplace) | Star ratings apply to individual plans sold |
| NAIC Complaint Ratio | N/A (marketplace) | NAIC tracks carriers, not brokers |
| BBB | A+ (Accredited) | 4.8/5 trust score from 18,000+ reviews |
| Trustpilot | 4.8 / 5 | Based on 18,000+ customer reviews |
Gohealth Medicare Review: Medicare Plan Options
GoHealth offers access to a wide range of Medicare products. Medicare Advantage plans include HMO, PPO, and Private Fee-for-Service options. These plans bundle hospital, medical, and often prescription drug coverage into one plan. Many Medicare Advantage plans sold through GoHealth include additional benefits. These benefits typically cover dental, vision, hearing, and fitness programs. GoHealth’s proprietary PlanGPT technology helps beneficiaries compare plan options. In most cases, Medicare Advantage plans are available at zero or low monthly premiums beyond the Part B premium.
GoHealth also helps beneficiaries enroll in Medicare Supplement plans. Medigap plans cover cost-sharing gaps in Original Medicare. Available plan letters include Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N. Plan G and Plan N are the most popular options for new enrollees. Plan G covers nearly all out-of-pocket costs except the Part B deductible. This gohealth medicare review found that GoHealth provides quotes from multiple Medigap carriers for side-by-side comparison.
Part D prescription drug plans are available as standalone coverage. GoHealth agents can review your medication list and recommend plans with the lowest total cost. Special Needs Plans are also available through the marketplace. These include Chronic Condition SNPs, Dual-Eligible SNPs, and Institutional SNPs. For example, a D-SNP may benefit seniors who qualify for both Medicare and Medicaid. All SNPs include Part D prescription drug coverage as required by CMS regulations.
GoHealth Medicare Rates and Enrollment
GoHealth does not charge beneficiaries any fees for its services. The company earns commissions from insurance carriers when beneficiaries enroll. As a result, using GoHealth costs the same as enrolling directly with a carrier. Rate factors for Medicare plans vary by plan type. Medicare Advantage premiums depend on your county, plan design, and carrier. Medigap premiums depend on your age, gender, tobacco use, and zip code. This gohealth medicare review found that GoHealth’s comparison tools make it easy to see rate differences across carriers.
Enrollment is available through multiple channels. Beneficiaries can enroll online at gohealth.com. They can also call GoHealth at 1-855-792-0088 to speak with a licensed agent. Phone support is available Monday through Friday from 8 a.m. to 6 p.m. Central Time. TTY users can dial 711. In-person consultations with licensed agents are available in some areas. GoHealth’s Encompass platform guides agents through the enrollment workflow.
Timing matters for Medicare enrollment. The Annual Enrollment Period runs from October 15 through December 7 each year. During this window, beneficiaries can switch Medicare Advantage or Part D plans. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31. Medigap enrollment is typically best during the six-month open enrollment window after turning 65. GoHealth agents can explain which enrollment periods apply to your situation. However, availability of specific plans varies by county and state.
GoHealth Additional Benefits and Perks
Many Medicare Advantage plans sold through GoHealth include supplemental benefits. SilverSneakers fitness memberships are common in many plans. Dental coverage often includes preventive and comprehensive services. Vision benefits may cover annual eye exams and eyewear allowances. Hearing benefits can include annual hearing tests and hearing aid discounts. These extras vary significantly by plan and carrier. A thorough gohealth medicare review of any specific plan should verify which benefits are included.
Over-the-counter allowances are another popular benefit. Many Medicare Advantage plans provide quarterly OTC credits. These credits can be used for health-related products at participating retailers. Telehealth services have expanded significantly in recent years. Most Medicare Advantage plans now offer $0 copay virtual visits. Some plans also include meal delivery after hospital stays. Transportation benefits help beneficiaries get to medical appointments. Typically, these transportation benefits cover a set number of one-way trips per year.
Many retirees also consider other insurance needs alongside Medicare. For example, many Medicare beneficiaries also carry a life insurance policy to protect their family — you can compare life insurance rates at Life Insure Guide. Additionally, retirees should review their homeowners coverage alongside Medicare choices, and can compare home insurance rates at Home Insure Guide. A complete retirement insurance review covers health, life, and property protection.
GoHealth Claims Process and Customer Service
Because GoHealth is a marketplace, it does not process claims directly. Claims are handled by the insurance carrier that underwrites your plan. For example, if you enroll in an Aetna Medicare Advantage plan through GoHealth, Aetna handles all claims. However, GoHealth does provide post-enrollment support. Existing members can reach GoHealth member services at 855-456-3995. TTY users can dial 711. This gohealth medicare review found that GoHealth’s role is primarily enrollment and plan selection guidance.
Customer satisfaction with GoHealth is mixed. Positive reviews praise friendly and knowledgeable agents. Many customers appreciate clear explanations of plan differences. The BBB profile shows an A+ rating with strong trust scores. However, complaints exist regarding aggressive sales tactics. Some consumers report receiving excessive follow-up phone calls. Others have reported being enrolled in plans without fully understanding the changes. The company has faced a False Claims Act lawsuit alleging improper conduct between 2016 and 2021. GoHealth denies these allegations.
GoHealth’s gohealth medicare review scores on independent platforms paint a nuanced picture. The 4.8 Trustpilot rating suggests many beneficiaries have positive experiences. However, BBB complaint narratives describe high-pressure tactics and misleading information in some cases. In most cases, experiences vary depending on the individual agent. GoHealth has invested in AI tools and training to improve agent quality and plan matching accuracy.
Pros and Cons of GoHealth Medicare Plans
Every gohealth medicare review should weigh the strengths and weaknesses. Here is a balanced assessment based on available evidence.
Pros:
- Access to plans from multiple major carriers including Humana, Aetna, UnitedHealthcare, Cigna, and Anthem for easy comparison
- No cost to beneficiaries — GoHealth earns commissions from carriers, so using the marketplace is free
- Licensed agents available by phone and online to provide personalized plan recommendations
- Proprietary PlanGPT technology helps match beneficiaries with plans based on medications, doctors, and budget
Cons:
- Reports of aggressive follow-up calls and high-pressure sales tactics from some agents
- Does not sell plans from every carrier — plan selection may be limited compared to an independent broker
- Post-enrollment support is limited since claims and service are handled by the underlying carrier
Who Is GoHealth Best For?
This gohealth medicare review concludes that GoHealth serves certain Medicare beneficiaries well. GoHealth is best for seniors who want to compare plans from multiple carriers in one place. The marketplace model works well for first-time Medicare enrollees who need guidance. New-to-Medicare beneficiaries turning 65 can benefit from GoHealth’s side-by-side plan comparisons. Those looking for Medicare Advantage plans with dental, vision, and hearing benefits will find many options.
GoHealth is also a strong choice for dual-eligible beneficiaries. D-SNP plans are available through the marketplace for those who qualify for both Medicare and Medicaid. Beneficiaries who prefer speaking with a licensed agent rather than researching independently may appreciate GoHealth’s phone-based support. However, seniors who prefer minimal sales contact may want to use Medicare.gov Plan Finder instead.
GoHealth may not be the best fit for everyone. Beneficiaries seeking Medigap plans may find better rates through independent brokers who represent more carriers. Those who are uncomfortable with follow-up calls should be cautious. In most cases, providing your phone number will result in multiple contact attempts. Overall, this gohealth medicare review finds GoHealth to be a legitimate and useful marketplace for Medicare plan comparison. Beneficiaries should verify plan details directly with the carrier before finalizing enrollment.
Frequently Asked Questions
Is GoHealth a legitimate Medicare company?
Yes, GoHealth is a licensed and government-approved Medicare marketplace. It has been operating since 2001 and is accredited by the BBB with an A+ rating. However, GoHealth is a broker and distributor, not an insurance carrier itself.
Does GoHealth charge a fee for its Medicare services?
No, GoHealth does not charge beneficiaries any fees. The company earns commissions from insurance carriers when you enroll through its platform. As a result, using GoHealth costs the same as enrolling directly with a carrier.
Can I trust the plan recommendations from a gohealth medicare review agent?
GoHealth agents are licensed insurance professionals. In most cases, they provide helpful guidance based on your needs and preferences. However, you should always verify plan details on Medicare.gov before making a final enrollment decision. Comparing independently ensures the recommended plan truly fits your doctors, medications, and budget.
Compare More Medicare Insurance Companies
Looking for more Medicare carrier reviews, plan comparisons, and enrollment guides? Browse our complete library of Medicare resources.
Official Sources & Resources
For verified information on Medicare plans, ratings, and enrollment:
- Medicare.gov (Official): medicare.gov
- CMS.gov (Centers for Medicare & Medicaid): cms.gov
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- State Health Insurance Assistance Program (SHIP): shiphelp.org
- Kaiser Family Foundation (KFF): kff.org
Content last reviewed April 2026. If you notice any outdated information, please contact us.