2027 plan year · Maryland
2027 Medicare Advantage plans in Charles County, MD
20 plans from 5 insurers for 2027. 7 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $5,700.
- 13general plans
- 7$0-premium plans
- $5,700lowest out-of-pocket max
- 4.5 ★top star rating
- 7Special Needs Plans
2027 Medicare Advantage plans in Charles County, MD
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Kaiser Permanente Medicare Advantage Liberty (HMO) Kaiser Permanente · HMO · no drug coverage | $0 | $5,900 | — | ★★★★★4.5 |
| Kaiser Permanente Medicare Advantage Value 1 MD (HMO) Kaiser Permanente · HMO · includes drug coverage | $0 | $8,200 | $0 | ★★★★★4.5 |
| Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS) Kaiser Permanente · HMO-POS · includes drug coverage | $32 | $7,900 | $0 | ★★★★★4.5 |
| Kaiser Permanente Medicare Advantage High MD (HMO-POS) Kaiser Permanente · HMO-POS · includes drug coverage | $114 | $5,700 | $0 | ★★★★★4.5 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★4 |
| HumanaChoice H5216-387 (PPO) Humana · PPO · includes drug coverage | $73 | $7,550 | $600 | ★★★★★4 |
| Alterwood Advantage Freedom (HMO) Alterwood Advantage · HMO · no drug coverage | $0 | $6,500 | — | ★★★★★3.5 |
| Alterwood Advantage Select (HMO) Alterwood Advantage · HMO · includes drug coverage | $0 | $7,500 | $295 | ★★★★★3.5 |
| Alterwood Advantage Choice (HMO) Alterwood Advantage · HMO · includes drug coverage | $35 | $7,500 | $0 | ★★★★★3.5 |
| CareFirst BlueCross BlueShield Advantage Salute (PPO) CareFirst BlueCross BlueShield Medicare Advantage · PPO · no drug coverage | $0 | $5,900 | — | ★★★★★2.5 |
| CareFirst BlueCross BlueShield Advantage Essential (PPO) CareFirst BlueCross BlueShield Medicare Advantage · PPO · includes drug coverage | $0 | $7,151 | $700 | ★★★★★2.5 |
| CareFirst BlueCross BlueShield Advantage Complete (PPO) CareFirst BlueCross BlueShield Medicare Advantage · PPO · includes drug coverage | $45 | $6,300 | $400 | ★★★★★2.5 |
| CareFirst BlueCross BlueShield Advantage Signature (PPO) CareFirst BlueCross BlueShield Medicare Advantage · PPO · includes drug coverage | $47 | $7,151 | $600 | ★★★★★2.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Nursing Home Plan EX-F004 (PPO I-SNP) UnitedHealthcare · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★5 |
| Kaiser Permanente Dual Complete Plan 1 MD (HMO D-SNP) Kaiser Permanente · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $210 | ★★★★★4.5 |
| Kaiser Permanente Dual Essential Plan 1 MD (HMO D-SNP) Kaiser Permanente · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $200 | ★★★★★4.5 |
| Alterwood Advantage Dual Secure (HMO D-SNP) Alterwood Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,250 | $505 | ★★★★★3.5 |
| Alterwood Advantage Dual Value (HMO D-SNP) Alterwood Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,250 | $505 | ★★★★★3.5 |
| UHC Dual Complete MD-S002 (HMO D-SNP) UnitedHealthcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $290 | ★★★★★3 |
| CareFirst BlueCross BlueShield Advantage DualPrime (HMO D-SNP) CareFirst BlueCross BlueShield Advantage DualPrime · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $5.70 | $9,850 | $700 | ★★★★★3 |
What changed from 2026 to 2027
- 1 plan is new here for 2027.
- 6 plans offered here in 2026 aren't listed for 2027 (for example HumanaChoice H5216-376 (PPO), HumanaChoice SNP-DE H5216-377 (PPO D-SNP), Humana USAA Honor Giveback (PPO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 19 plans offered both years, 6 raised the monthly premium and 4 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Charles County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Maryland (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Charles County, MD for 2027?
20 plans from 5 insurers: 13 general plans open to anyone with Medicare Parts A and B who lives here, plus 7 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Charles County, MD?
Yes. 7 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Charles County, MD?
Kaiser Permanente Medicare Advantage Liberty (HMO) from Kaiser Permanente has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Charles County, MD?
Kaiser Permanente Medicare Advantage High MD (HMO-POS) caps in-network out-of-pocket costs at $5,700 for 2027.