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Medicare Advantage plans in Schenectady County, NY for 2027
57 Medicare Advantage plans from 13 companies are available in Schenectady County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 18. 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 (24)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Trinity Health Plan New York No Premium (HMO) Trinity Health Plan New York | HMO | $0 | $425 | $7,900 | — |
| Trinity Health Plan New York Cash Back (HMO) Trinity Health Plan New York | HMO | $0 | $450 | $9,250 | — |
| DEVOTED CHOICE 003 NY (PPO) Devoted Health | PPO | $0 | $650 | $9,500 | — |
| DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO) Devoted Health | PPO | $0 | $700 | $9,750 | — |
| Aetna Medicare Elite (PPO) Aetna Medicare | PPO | $0 | $700 | $9,850 | 4.5 |
| CDPHP $0 Medicare Rx (HMO) CDPHP Medicare Advantage | HMO | $0 | $700 | $9,850 | 4.5 |
| DEVOTED CHOICE GIVEBACK 004 NY (PPO) Devoted Health | PPO | $0 | $650 | $9,850 | — |
| Wellcare Assist Open (PPO) Wellcare | PPO | $0 | $700 | $9,850 | 3 |
| 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 |
| Wellcare Giveback Open (PPO) Wellcare | PPO | $0 | $700 | $9,850 | 3 |
| Wellcare Simple Open (PPO) Wellcare | PPO | $0 | $700 | $9,850 | 3 |
| VNS Health EasyCare (HMO) VNS Health Medicare | HMO | $25 | $650 | $9,850 | 3.5 |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) UnitedHealthcare | HMO-POS | $39 | $685 | $7,150 | 3.5 |
| AARP Medicare Advantage from UHC NY-0015 (PPO) UnitedHealthcare | PPO | $44 | $685 | $8,900 | 3.5 |
| HumanaChoice H5970-029 (PPO) Humana | PPO | $65 | $700 | $9,250 | 3 |
| MVP Medicare WellValue with Part D (HMO-POS) MVP HEALTH CARE | HMO-POS | $71 | $700 | $9,850 | 4 |
| CDPHP Clear Rx (HMO) CDPHP Medicare Advantage | HMO | $100 | $500 | $6,750 | 4.5 |
| Aetna Medicare Signature (HMO) Aetna Medicare | HMO | $109 | $700 | $9,850 | 3 |
| Senior Blue 652 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $122 | $700 | $7,150 | 4 |
| CDPHP Choice Rx (HMO) CDPHP Medicare Advantage | HMO | $139 | $250 | $6,400 | 4.5 |
| Aetna Medicare Enhanced (PPO) Aetna Medicare | PPO | $149 | $700 | $9,850 | 4.5 |
| MVP Medicare Secure Plus with Part D (HMO-POS) MVP HEALTH CARE | HMO-POS | $165 | $500 | $6,000 | 4 |
| MVP Medicare Secure Plus Choice with Part D (PPO) MVP HEALTH CARE | PPO | $256 | $500 | $7,500 | 3.5 |
Plans without drug coverage (7)
| 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 |
| Trinity Health Plan New York Glory No RX (HMO) Trinity Health Plan New York | HMO | $0 | $6,300 | — |
| 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 |
| CDPHP Core (HMO) CDPHP Medicare Advantage | HMO | $15 | $6,400 | 4.5 |
Special needs plans (26)
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-33 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $685 | $6,900 | 3.5 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 023 NY (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $700 | $9,750 | — |
| Aetna Medicare Chronic Care Total (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $700 | $9,850 | 3 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| DEVOTED C-SNP CHOICE ENHANCED 017 NY (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $650 | $9,850 | — |
| DEVOTED C-SNP CHOICE PLUS 015 NY (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $650 | $9,850 | — |
| 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 Dual Access Open (PPO D-SNP) Wellcare | PPO D-SNP | $0 | $700 | $9,850 | 3 |
| 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 |
| 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 |
| Hamaspik Medicare Select (HMO D-SNP) Hamaspik, Inc. | HMO D-SNP | $40.40 | $700 | $9,850 | 3.5 |
| Anthem HealthPlus Full Dual Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield HP | HMO D-SNP | $40.50 | $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 (2026-09 release).