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  1. 🏠
  2. Medicare Advantage Plans
  3. Arkansas
  4. Clay County

2026 Medicare Advantage Plans in Clay County, AR

Last update: September 2, 2026.

For 2026, Clay County, AR includes 23 Medicare Advantage plans. Enrollment across these plans totals approximately 650, with 18 $0 premium options and 43% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Clay County, AR are summarized separately. Visit Medicare Options in Clay County, AR to see more options.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $10.91/mo
  • $0 Premium Plans: 18
  • Average MOOP: $6,520 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 43% · 3 Stars: 48% · Below 3: 9%
  • Average Part D Deductible: $514.06
  • Total MA/MAPD Enrollment: 650
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Wellcare Simple (HMO-POS) — 128 enrollees
    2. HealthSpring Preferred (HMO) — 123 enrollees
    3. Wellcare Giveback (HMO-POS) — 75 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
8
Average Monthly Premium
$25.38/mo
Total PPO Enrollment
116
$0 Premium PPO Plans
5
Average MOOP
$6,788
Top PPO by Enrollment
AARP Medicare Advantage from UHC AR-0004 (PPO) — 49 enrollees
PPO Plans Without Drug Coverage
3

2026 PPO Medicare Advantage plans in Clay County, Arkansas (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H7617-012-0
HumanaChoice H7617-007
☆☆☆☆☆
$47 $9,250 $615 H7617-007-0
AARP Medicare Advantage from UHC AR-0004
☆☆☆☆☆
$0 $6,200 $520 H1889-014-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $4,700 N/A H5216-278-1
HealthSpring True Choice
☆☆☆☆☆
$0 $7,250 $300 H7849-102-1
UHC Medicare Advantage AM-0002
☆☆☆☆☆
$106 $9,250 $600 R3444-012-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $5,500 N/A R1532-001-0
HumanaChoice R1532-002
☆☆☆☆☆
$50 $7,450 $615 R1532-002-0
What is the average monthly premium for PPO plans in Clay?
PPO plans in Clay cost $25.38 per month on average.
Which PPO plan has the highest enrollment in Clay?
The most popular PPO plan in Clay is AARP Medicare Advantage from UHC AR-0004 (PPO), with 49 enrollees.
How many PPO plans in Clay do not include prescription drug coverage?
3 PPO plans in Clay do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
4
Average Monthly Premium
$2.23/mo
Total HMO Enrollment
208
$0 Premium HMO Plans
3
Average MOOP
$5,488
Top HMO by Enrollment
HealthSpring Preferred (HMO) — 123 enrollees
HMO Plans Without Drug Coverage
1

2026 HMO Medicare Advantage plans in Clay County, Arkansas (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
HealthSpring Courage
☆☆☆☆☆
$0 $4,500 N/A H4513-078-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,750 $250 H4513-038-0
BlueMedicare Independence
☆☆☆☆☆
$9 $6,200 $615 H6158-003-0
BlueMedicare Premier
☆☆☆☆☆
$0 $6,500 $460 H6158-001-0
What is the total number of HMO plans offered in Clay?

There are 4 HMO plans in 2026, covering 208 enrollees.

How much do HMO plans cost in Clay?

The average HMO premium in Clay is $2.23 per month, with 3 plans offering $0 premiums.

What is the top HMO by enrollment in Clay?

HealthSpring Preferred (HMO) is the top HMO in Clay, with 123 enrollees.

What is the number of HMO plans without Part D coverage in Clay?

1 HMO plans in Clay do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
11
Average Monthly Premium
$3.55/mo
Total HMO-POS Enrollment
326
$0 Premium HMO-POS Plans
10
Average MOOP
$6,700
Top HMO-POS by Enrollment
Wellcare Simple (HMO-POS) — 128 enrollees
HMO-POS Plans Without Drug Coverage
3

2026 HMO-POS Medicare Advantage plans in Clay County, Arkansas (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage Essentials from UHC AR-1
☆☆☆☆☆
$0 $5,700 $440 H2802-060-0
AARP Medicare Advantage Extras from UHC AR-7
☆☆☆☆☆
$0 $6,700 $440 H2802-078-0
AARP Medicare Advantage from UHC AR-0002
☆☆☆☆☆
$39 $5,700 $440 H2802-061-0
AARP Medicare Advantage Giveback from UHC AR-3
☆☆☆☆☆
$0 $9,250 $600 H2802-063-0
AARP Medicare Advantage Patriot No Rx AR-MA01
☆☆☆☆☆
$0 $6,700 N/A H2802-062-0
Wellcare Giveback
☆☆☆☆☆
$0 $8,000 $615 H9630-008-0
Wellcare Patriot Giveback Preferred
☆☆☆☆☆
$0 $4,900 N/A H9630-015-0
Wellcare Simple
☆☆☆☆☆
$0 $6,700 $615 H9630-002-0
Wellcare Giveback Dividend
☆☆☆☆☆
$0 $7,550 $485 H1416-064-0
Wellcare Patriot Giveback
☆☆☆☆☆
$0 $6,500 N/A H1416-058-0
Wellcare Simple Preferred
☆☆☆☆☆
$0 $6,000 $615 H1416-055-0

What is the average monthly premium for HMO-POS plans?

HMO-POS plans in Clay cost $3.55 per month on average.

Which HMO-POS plan is most popular in Clay?

The most popular HMO-POS plan in Clay is Wellcare Simple (HMO-POS), with 128 enrollees.

How many HMO-POS plans in Clay do not include drug coverage?

There are 3 HMO-POS plans in Clay without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Clay County, AR (2026) are summarized below.

Medicare Advantage Plan Ratings in Clay County, AR (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 10 43%
3 Stars 11 48%
Below 3 Stars 2 9%
Not Rated 0 0%
Average Rating 3.52

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025

MedicarePlans.com is an independent informational resource and has no affiliation with, or endorsement from, the U.S. Government or the federal Medicare program.

Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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