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Medicare Advantage plans in Frederick County, MD for 2027
25 Medicare Advantage plans from 6 companies are available in Frederick County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 9. Lowest in-network out-of-pocket limit: $5,700.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (12)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Alterwood Advantage Select (HMO) Alterwood Advantage | HMO | $0 | $295 | $7,500 | 3.5 |
| HumanaChoice H5216-376 (PPO) Humana | PPO | $0 | $700 | $8,050 | 3.5 |
| HumanaChoice H7617-044 (PPO) Humana | PPO | $0 | $700 | $8,050 | 4.5 |
| Kaiser Permanente Medicare Advantage Value 1 MD (HMO) Kaiser Permanente | HMO | $0 | $0 | $8,200 | 4.5 |
| Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS) Kaiser Permanente | HMO-POS | $32 | $0 | $7,900 | 4.5 |
| Alterwood Advantage Choice (HMO) Alterwood Advantage | HMO | $35 | $0 | $7,500 | 3.5 |
| Johns Hopkins Advantage MD (HMO) Johns Hopkins Advantage MD | HMO | $49 | $590 | $8,950 | 3.5 |
| CareFirst BlueCross BlueShield Advantage Signature (PPO) CareFirst BlueCross BlueShield Medicare Advantage | PPO | $58 | $600 | $7,151 | 4 |
| HumanaChoice H5216-387 (PPO) Humana | PPO | $73 | $600 | $7,550 | 3.5 |
| Johns Hopkins Advantage MD (PPO) Johns Hopkins Advantage MD | PPO | $95 | $615 | $7,950 | 3.5 |
| Kaiser Permanente Medicare Advantage High MD (HMO-POS) Kaiser Permanente | HMO-POS | $114 | $0 | $5,700 | 4.5 |
| Johns Hopkins Advantage MD Plus (PPO) Johns Hopkins Advantage MD | PPO | $165 | $615 | $7,550 | 3.5 |
Plans without drug coverage (5)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| CareFirst BlueCross BlueShield Advantage Salute (PPO) CareFirst BlueCross BlueShield Medicare Advantage | PPO | $0 | $5,900 | 4 |
| Kaiser Permanente Medicare Advantage Liberty (HMO) Kaiser Permanente | HMO | $0 | $5,900 | 4.5 |
| Alterwood Advantage Freedom (HMO) Alterwood Advantage | HMO | $0 | $6,500 | 3.5 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,750 | 3.5 |
| Johns Hopkins Advantage MD Tribute (HMO) Johns Hopkins Advantage MD | HMO | $0 | $7,200 | 3.5 |
Special needs plans (8)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Alterwood Advantage Dual Secure (HMO D-SNP) Alterwood Advantage | HMO D-SNP | $0 | $505 | $9,250 | 3.5 |
| Alterwood Advantage Dual Value (HMO D-SNP) Alterwood Advantage | HMO D-SNP | $0 | $505 | $9,250 | 3.5 |
| Kaiser Permanente Dual Complete Plan 1 MD (HMO D-SNP) Kaiser Permanente | HMO D-SNP | $0 | $210 | $9,850 | 4.5 |
| Kaiser Permanente Dual Essential Plan 1 MD (HMO D-SNP) Kaiser Permanente | HMO D-SNP | $0 | $200 | $9,850 | 4.5 |
| UHC Dual Complete MD-S002 (HMO D-SNP) UnitedHealthcare | HMO D-SNP | $0 | $290 | $9,850 | 3.5 |
| UHC Nursing Home Plan EX-F004 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $0 | $700 | $9,850 | 4.5 |
| CareFirst BlueCross BlueShield Advantage DualPrime (HMO D-SNP) CareFirst BlueCross BlueShield Advantage DualPrime | HMO D-SNP | $5.70 | $700 | $9,850 | 3.5 |
| Johns Hopkins Advantage MD D-SNP (HMO D-SNP) Johns Hopkins Advantage MD | HMO D-SNP | $7.90 | $700 | $9,850 | 3.5 |
Stand-alone Part D drug plans in Maryland →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).