Our Take: KFF’s 2025 analysis finds that three quarters of Medicare Advantage enrollees pay no premium beyond Part B, while 99% are in plans that require prior authorization for skilled nursing facility stays. Low-cost benefits continue to drive MA enrollment growth, but near-universal prior authorization rules indicate barriers for post-acute providers. ▼
The continued attractiveness of $0-premium MA plans means facilities should expect MA’s share of admissions to keep rising, intensifying both authorization volume and payer contract negotiations.
Nearly all Medicare Advantage enrollees (99%) are in plans that require prior authorization for some services, which is generally not used in traditional Medicare. Prior authorization is most often required for relatively expensive services, such as skilled nursing facility stays (99%), Part B drugs (98%), inpatient hospital stays (acute: 96%; psychiatric: 93%) and outpatient psychiatric services (80%) and is rarely required for preventive services (7%).
— KFF, July 28, 2025
Ochieng, Nancy et al. “Medicare Advantage in 2025: Premiums, Out-of-Pocket Limits, Supplemental Benefits, and Prior Authorization.” KFF, 28 Jul. 2025. https://www.kff.org/medicare/medicare-advantage-premiums-out-of-pocket-limits-supplemental-benefits-and-prior-authorization/.
