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Medicare Advantage plans in McDowell County, WV for 2027

51 Medicare Advantage plans from 8 companies are available in McDowell County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 22. Lowest in-network out-of-pocket limit: $4,750.

Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.

Plans with drug coverage (28)

Plan	Type	Monthly premium	Drug deductible	Out-of-pocket limit (in network)	Last year's star rating
The Health Plan SecureChoice Optimum (PPO) The Health Plan	PPO	$0	$425	$7,000	3.5
AARP Medicare Advantage from UHC WV-0003 (PPO) UnitedHealthcare	PPO	$0	$685	$7,150	3
AARP Medicare Advantage from UHC WV-5 (HMO-POS) UnitedHealthcare	HMO-POS	$0	$685	$7,150	4
Aetna Medicare Advantra Signature (HMO) Aetna Medicare	HMO	$0	$400	$7,150	3.5
Complete Blue PPO Signature (PPO) Highmark Blue Cross Blue Shield	PPO	$0	$700	$7,150	3.5
Peak Advantage Vista (PPO) Peak Health	PPO	$0	$0	$7,500	4.5
Aetna Medicare Advantra Classic Giveback (PPO) Aetna Medicare	PPO	$0	$400	$9,250	4
Aetna Medicare Advantra Signature Giveback (PPO) Aetna Medicare	PPO	$0	$400	$9,250	4.5
Wellpoint Medicare Advantage (HMO-POS) Wellpoint	HMO-POS	$0	$325	$9,250	—
Aetna Medicare Advantra Signature Classic (PPO) Aetna Medicare	PPO	$0	$400	$9,850	4
Humana Essentials Plus Giveback (PPO) Humana	PPO	$0	$700	$9,850	4.5
Humana Gold Choice H8145-052 (PFFS) Humana	PFFS	$0	$700	$9,850	3.5
Humana Value Choice (PPO) Humana	PPO	$0	$500	$9,850	3.5
HumanaChoice Giveback H5216-328 (PPO) Humana	PPO	$0	$700	$9,850	3.5
The Health Plan SecureCare - Option II (HMO) The Health Plan	HMO	$13	$395	$7,500	3.5
Peak Advantage Summit (PPO) Peak Health	PPO	$25	$0	$6,750	4.5
HumanaChoice H5216-425 (PPO) Humana	PPO	$29	$700	$7,600	3.5
Aetna Medicare Advantra Enhanced (PPO) Aetna Medicare	PPO	$31	$700	$7,150	4.5
Aetna Medicare Advantra Enhanced Classic (PPO) Aetna Medicare	PPO	$31	$700	$7,150	4
AARP Medicare Advantage from UHC WV-0004 (PPO) UnitedHealthcare	PPO	$51	$685	$7,150	3
Complete Blue PPO Distinct (PPO) Highmark Blue Cross Blue Shield	PPO	$60	$700	$6,750	3.5
The Health Plan SecureChoice Reliance (PPO) The Health Plan	PPO	$67	$300	$7,000	3.5
HumanaChoice R0110-008 (Regional PPO) Humana	Regional PPO	$75	$700	$7,150	3.5
AARP Medicare Advantage from UHC WV-0001 (PPO) UnitedHealthcare	PPO	$85	$685	$7,150	3
Aetna Medicare Premier (PPO) Aetna Medicare	PPO	$109	$400	$9,850	4.5
Aetna Medicare Premier Classic (PPO) Aetna Medicare	PPO	$109	$400	$9,850	4
Humana Full Access (PPO) Humana	PPO	$121	$700	$7,150	3.5
Freedom Blue PPO Standard (PPO) Highmark Blue Cross Blue Shield	PPO	$152	$700	$6,500	3.5

Plans without drug coverage (8)

Plan	Type	Monthly premium	Out-of-pocket limit (in network)	Last year's star rating
HumanaChoice R0110-007 (Regional PPO) Humana	Regional PPO	$0	$4,750	3.5
Freedom Blue PPO Valor (PPO) Highmark Blue Cross Blue Shield	PPO	$0	$6,000	3.5
Humana USAA Honor Giveback (PPO) Humana	PPO	$0	$6,500	3.5
Aetna Medicare Advantra Eagle Plus (HMO) Aetna Medicare	HMO	$0	$6,900	3.5
The Health Plan SecureCare Integrity Plan 1 (HMO) The Health Plan	HMO	$0	$7,500	3.5
Humana USAA Honor Giveback (PPO) Humana	PPO	$0	$9,150	3.5
AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS) UnitedHealthcare	HMO-POS	$0	$9,300	4
AARP Medicare Advantage Patriot No Rx WV-MA01 (PPO) UnitedHealthcare	PPO	$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
Wellpoint Dual Advantage (HMO D-SNP) Wellpoint	HMO D-SNP	$0	$105	$6,440	—
UHC Complete Care WV-7 (HMO-POS C-SNP) UnitedHealthcare	HMO-POS C-SNP	$0	$685	$7,150	4
Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare	HMO D-SNP	$0	$700	$9,850	3.5
Aetna Medicare Full Dual Extra (HMO D-SNP) Aetna Medicare	HMO D-SNP	$0	$700	$9,850	3.5
Aetna Medicare Partial Dual (HMO D-SNP) Aetna Medicare	HMO D-SNP	$0	$700	$9,850	3.5
Humana Together in Health (PPO I-SNP) Humana	PPO I-SNP	$0	$50	$9,850	4.5
HumanaChoice SNP-DE H5216-220 (PPO D-SNP) Humana	PPO D-SNP	$0	$350	$9,850	3.5
UHC Dual Complete WV-Q1 (PPO D-SNP) UnitedHealthcare	PPO D-SNP	$0	$700	$9,850	4.5
UHC Dual Complete WV-S2 (PPO D-SNP) UnitedHealthcare	PPO D-SNP	$0	$465	$9,850	4.5
Wellpoint Full Dual Advantage (HMO D-SNP) Wellpoint	HMO D-SNP	$0	$360	$9,850	—
UHC Dual Advantage WV-V1 (PPO D-SNP) UnitedHealthcare	PPO D-SNP	$12.80	$700	$5,900	4.5
The Health Plan SecureCare SNP (HMO D-SNP) The Health Plan	HMO D-SNP	$12.80	$700	$9,250	3.5
CommuniCare Advantage ISNP (HMO I-SNP) Communicare Advantage	HMO I-SNP	$12.80	$700	$9,850	—
Highmark Health Options Duals (HMO D-SNP) Highmark Blue Cross Blue Shield	HMO D-SNP	$12.80	$700	$9,850	—
WV Senior Advantage (HMO I-SNP) West Virginia Senior Advantage	HMO I-SNP	$12.80	$700	$9,850	3

Stand-alone Part D drug plans in West Virginia →

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).