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Medicare Advantage plans in Monroe County, NY for 2027
33 Medicare Advantage plans from 8 companies are available in Monroe County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 6. Lowest in-network out-of-pocket limit: $6,500.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (9)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Wellcare Fidelis Assist (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $9,850 | 3 |
| Wellcare Fidelis Simple (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $9,850 | 3 |
| Medicare Blue Choice Core (HMO) Excellus Health Plan, Inc | HMO | $19 | $700 | $9,850 | 4 |
| VNS Health EasyCare (HMO) VNS Health Medicare | HMO | $25 | $650 | $9,850 | 3.5 |
| Medicare Blue Choice Prime (HMO-POS) Excellus Health Plan, Inc | HMO-POS | $89.80 | $700 | $8,000 | 4 |
| Aetna Medicare Elite (PPO) Aetna Medicare | PPO | $109 | $700 | $9,850 | 4.5 |
| MVP Medicare WellValue with Part D (HMO-POS) MVP HEALTH CARE | HMO-POS | $217 | $700 | $9,850 | 4 |
| Medicare Blue Choice Optimum (HMO-POS) Excellus Health Plan, Inc | HMO-POS | $263 | $100 | $6,700 | 4 |
| MVP Medicare Preferred Gold with Part D (HMO-POS) MVP HEALTH CARE | HMO-POS | $277 | $400 | $6,800 | 4 |
Plans without drug coverage (4)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Medicare Blue Choice Freedom (HMO-POS) Excellus Health Plan, Inc | HMO-POS | $0 | $6,500 | 4 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP HEALTH CARE | HMO-POS | $0 | $7,200 | 4 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare | PPO | $0 | $9,850 | 4.5 |
| Wellcare Fidelis Patriot Simple (HMO-POS) Wellcare | HMO-POS | $0 | $9,850 | 3 |
Special needs plans (20)
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 |
|---|---|---|---|---|---|
| Elderplan Select (HMO-POS I-SNP) Elderplan | HMO-POS I-SNP | $0 | $350 | $9,850 | 3.5 |
| Medicare Blue Dual Secure (HMO D-SNP) Excellus Health Plan Community Care LLC | HMO D-SNP | $0 | $700 | $9,850 | — |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 4 |
| Wellcare Fidelis Dual Access (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $4.20 | $700 | $9,850 | 4.5 |
| Aetna Medicare Longevity (PPO I-SNP) Aetna Medicare | PPO I-SNP | $10.70 | $700 | $9,850 | 4.5 |
| MVP DualAccess (HMO D-SNP) MVP HEALTH CARE | HMO D-SNP | $13.10 | $700 | $9,820 | 4 |
| UHC Dual Complete NY-S001 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $19.40 | $700 | $9,850 | 4.5 |
| MVP DualAccess Complete (HMO D-SNP) MVP HEALTH CARE | HMO D-SNP | $22.20 | $700 | $9,850 | 4 |
| VNS Health EasyCare Plus (HMO D-SNP) VNS Health Medicare | HMO D-SNP | $23.60 | $700 | $9,850 | 3.5 |
| Medicare Blue Dual (HMO D-SNP) Excellus Health Plan Community Care LLC | HMO D-SNP | $23.70 | $700 | $9,850 | — |
| Nascentia Skilled Nursing Facility (HMO I-SNP) Nascentia Health Plus | HMO I-SNP | $25.40 | $700 | $9,850 | — |
| Nascentia Dual Advantage (HMO D-SNP) Nascentia Health Plus | HMO D-SNP | $27 | $700 | $9,850 | — |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) Nascentia Health Plus | HMO D-SNP | $30.30 | $700 | $9,850 | — |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $31.70 | $700 | $9,850 | 4 |
| Elderplan Advantage For Nursing Home Residents (HMO-POS I-SNP) Elderplan | HMO-POS I-SNP | $33.70 | $700 | $9,850 | 3.5 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $40.50 | $700 | $9,850 | 4 |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP) Wellcare | HMO D-SNP | $40.50 | $700 | $9,850 | 3 |
| VNS Health Total (HMO D-SNP) VNS Health Medicare | HMO D-SNP | $40.50 | $700 | $0 | 3.5 |
Stand-alone Part D drug plans in New York →
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 (2026-10 release).