2027 plan year · New York
2027 Medicare Advantage plans in Ontario County, NY
29 plans from 6 insurers for 2027. 9 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $6,500.
- 15general plans
- 9$0-premium plans
- $6,500lowest out-of-pocket max
- 4 ★top star rating
- 14Special Needs Plans
2027 Medicare Advantage plans in Ontario County, NY
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 |
|---|---|---|---|---|
| Medicare Blue Choice Freedom (HMO-POS) Excellus Health Plan, Inc · HMO-POS · no drug coverage | $0 | $6,500 | — | ★★★★★4 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★4 |
| Medicare Blue Choice Core (HMO) Excellus Health Plan, Inc · HMO · includes drug coverage | $19 | $9,850 | $700 | ★★★★★4 |
| Medicare Blue Choice Prime (HMO-POS) Excellus Health Plan, Inc · HMO-POS · includes drug coverage | $89.80 | $8,000 | $700 | ★★★★★4 |
| Aetna Medicare Elite (PPO) Aetna Medicare · PPO · includes drug coverage | $109 | $9,850 | $700 | ★★★★★4 |
| Medicare Blue Choice Optimum (HMO-POS) Excellus Health Plan, Inc · HMO-POS · includes drug coverage | $263 | $6,700 | $100 | ★★★★★4 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP HEALTH CARE · HMO-POS · no drug coverage | $0 | $7,200 | — | ★★★★★3.5 |
| MVP Medicare WellValue with Part D (HMO-POS) MVP HEALTH CARE · HMO-POS · includes drug coverage | $217 | $9,850 | $700 | ★★★★★3.5 |
| MVP Medicare Preferred Gold with Part D (HMO-POS) MVP HEALTH CARE · HMO-POS · includes drug coverage | $277 | $6,800 | $400 | ★★★★★3.5 |
| Wellcare Assist Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Assist (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Patriot Simple (HMO-POS) Wellcare · HMO-POS · no drug coverage | $0 | $9,850 | — | ★★★★★3 |
| Wellcare Fidelis Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Giveback Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Simple Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
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 Dual Complete NY-S001 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $19.40 | $9,850 | $700 | ★★★★★4.5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Aetna Medicare Longevity (PPO I-SNP) Aetna Medicare · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $10.70 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $31.70 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $40.50 | $9,850 | $700 | ★★★★★4 |
| Elderplan Select (HMO-POS I-SNP) Elderplan · HMO-POS I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $9,850 | $350 | ★★★★★3.5 |
| MVP DualAccess Complete (HMO D-SNP) MVP HEALTH CARE · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $22.20 | $9,850 | $700 | ★★★★★3.5 |
| Elderplan Advantage For Nursing Home Residents (HMO-POS I-SNP) Elderplan · HMO-POS I-SNP (Special Needs: Institutional) · includes drug coverage | $33.70 | $9,850 | $700 | ★★★★★3.5 |
| Medicare Blue Dual Secure (HMO D-SNP) Excellus Health Plan Community Care LLC · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Dual Access Open (PPO D-SNP) Wellcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Dual Access (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Medicare Blue Dual (HMO D-SNP) Excellus Health Plan Community Care LLC · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $23.70 | $9,850 | $700 | ★★★★★3 |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $40.50 | $9,850 | $700 | ★★★★★3 |
What changed from 2026 to 2027
- 4 plans are new here for 2027.
- 10 plans offered here in 2026 aren't listed for 2027 (for example Wellcare Premium Ultra (PFFS), Wellcare Premium Enhanced (PFFS), Wellcare Advantage Enhanced (PFFS)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 25 plans offered both years, 5 raised the monthly premium and 12 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Ontario 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 New York (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Ontario County, NY for 2027?
29 plans from 6 insurers: 15 general plans open to anyone with Medicare Parts A and B who lives here, plus 14 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Ontario County, NY?
Yes. 9 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 Ontario County, NY?
Medicare Blue Choice Freedom (HMO-POS) from Excellus Health Plan, Inc has the top Medicare star rating here (4 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 Ontario County, NY?
Medicare Blue Choice Freedom (HMO-POS) caps in-network out-of-pocket costs at $6,500 for 2027.