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Medicare Advantage plans in Orleans County, NY for 2027
44 Medicare Advantage plans from 9 companies are available in Orleans County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 14. Lowest in-network out-of-pocket limit: $4,950.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (20)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Community Blue Medicare HMO Signature (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $0 | $700 | $7,150 | 4 |
| AARP Medicare Advantage from UHC NY-0007 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $9,300 | 3.5 |
| Univera SeniorChoice Basic (HMO) Excellus Health Plan, Inc | HMO | $0 | $700 | $9,850 | 4 |
| 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 |
| AARP Medicare Advantage from UHC NY-0019 (PPO) UnitedHealthcare | PPO | $39 | $685 | $8,900 | 3.5 |
| Independent Health's Encompass 65 RED 042 (HMO) Independent Health | HMO | $49 | $550 | $9,850 | 5 |
| HumanaChoice H5970-029 (PPO) Humana | PPO | $65 | $700 | $9,250 | 3 |
| Univera SeniorChoice Advanced (HMO-POS) Excellus Health Plan, Inc | HMO-POS | $75.40 | $300 | $7,500 | 4 |
| Community Blue Medicare HMO Distinct (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $80 | $700 | $6,750 | 4 |
| Independent Health's Medicare Passport Connect (PPO) Independent Health | PPO | $81 | $700 | $9,850 | 4.5 |
| Univera SeniorChoice Value Plus (HMO-POS) Excellus Health Plan, Inc | HMO-POS | $93.30 | $295 | $6,700 | 4 |
| Univera SeniorChoice Secure (HMO-POS) Excellus Health Plan, Inc | HMO-POS | $104.70 | $250 | $6,000 | 4 |
| Aetna Medicare Elite (PPO) Aetna Medicare | PPO | $109 | $700 | $9,850 | 4.5 |
| Independent Health's Encompass 65 RED 044 (HMO) Independent Health | HMO | $110 | $510 | $8,000 | 5 |
| Community Blue Medicare HMO 651 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $118 | $700 | $6,700 | 4 |
| MVP Medicare WellValue with Part D (HMO-POS) MVP HEALTH CARE | HMO-POS | $217 | $700 | $9,850 | 4 |
| MVP Medicare Preferred Gold with Part D (HMO-POS) MVP HEALTH CARE | HMO-POS | $277 | $400 | $6,800 | 4 |
| Independent Health's Encompass 65 RED 045 (HMO) Independent Health | HMO | $286 | $375 | $7,000 | 5 |
| Community Blue Medicare HMO Standard (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $368 | $700 | $7,150 | 4 |
Plans without drug coverage (9)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $4,950 | 3 |
| Univera Medicare Freedom (HMO-POS) Excellus Health Plan, Inc | HMO-POS | $0 | $6,500 | 4 |
| Freedom Valor (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | $0 | $6,700 | 4.5 |
| Senior Blue 601 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $0 | $6,700 | 4 |
| Independent Health's Encompass 65 (HMO) Independent Health | HMO | $0 | $6,750 | 5 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $7,150 | 3.5 |
| 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 (15)
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 |
|---|---|---|---|---|---|
| UHC Complete Care NY-30 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $685 | $8,900 | 3.5 |
| Elderplan Select (HMO-POS I-SNP) Elderplan | HMO-POS I-SNP | $0 | $350 | $9,850 | 3.5 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) Humana | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| 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 |
| Aetna Medicare Longevity (PPO I-SNP) Aetna Medicare | PPO I-SNP | $10.70 | $700 | $9,850 | 4.5 |
| Univera Medicare Total Care (HMO D-SNP) Excellus Health Plan Community Care LLC | HMO D-SNP | $18.30 | $700 | $9,850 | — |
| UHC Dual Complete NY-S001 (PPO D-SNP) UnitedHealthcare | PPO D-SNP | $19.40 | $700 | $9,850 | 4.5 |
| Univera Medicare Dual (HMO D-SNP) Excellus Health Plan Community Care LLC | HMO D-SNP | $26.60 | $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 |
| Independent Health's Medicare Family Choice (HMO I-SNP) Independent Health | HMO I-SNP | $40 | $0 | $5,000 | 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 |
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).