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  1. 🏠
  2. Medicare Advantage Plans
  3. Indiana
  4. St Joseph County

2026 Medicare Advantage Plans in St Joseph County, IN

Last update: September 2, 2026.

For 2026, St Joseph County, IN includes 43 Medicare Advantage plans. Enrollment across these plans totals approximately 21,322, with 29 $0 premium options and 33% rated 4 stars or higher.

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

  • PPO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

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

  • Average Monthly Premium: $11.01/mo
  • $0 Premium Plans: 29
  • Average MOOP: $6,512 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 33% · 3 Stars: 68% · Below 3: 0%
  • Average Part D Deductible: $389.14
  • Total MA/MAPD Enrollment: 21,322
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. AARP Medicare Advantage from UHC IN-0001 (PPO) — 6,059 enrollees
    2. AARP Medicare Advantage from UHC IN-0006 (PPO) — 2,653 enrollees
    3. Anthem Medicare Advantage (HMO-POS) — 1,800 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
32
Average Monthly Premium
$11.96/mo
Total PPO Enrollment
16,442
$0 Premium PPO Plans
21
Average MOOP
$6,936
Top PPO by Enrollment
AARP Medicare Advantage from UHC IN-0001 (PPO) — 6,059 enrollees
PPO Plans Without Drug Coverage
8

2026 PPO Medicare Advantage plans in St Joseph County, Indiana (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H5521-286-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,350 $615 H5521-223-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $6,350 $615 H5521-406-0
Aetna Medicare Value Care
☆☆☆☆☆
$36 $6,750 $615 H5521-496-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $7,900 N/A H7617-073-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $7,900 $350 H7617-060-0
HumanaChoice Giveback H7617-003
☆☆☆☆☆
$0 $9,150 $0 H7617-003-0
AARP Medicare Advantage from UHC IN-0001
☆☆☆☆☆
$39 $3,700 $440 H2406-035-0
AARP Medicare Advantage from UHC IN-0006
☆☆☆☆☆
$0 $4,900 $600 H2406-066-0
AARP Medicare Advantage Patriot No Rx IN-MA01
☆☆☆☆☆
$0 $8,850 N/A H2406-074-0
Anthem Medicare Advantage
☆☆☆☆☆
$9 $6,750 $95 H7093-002-0
Anthem Medicare Advantage
☆☆☆☆☆
$97 $9,250 $45 R5941-016-0
Anthem Medicare Advantage 2
☆☆☆☆☆
$26 $6,750 $250 H1607-015-0
Anthem Medicare Advantage 3
☆☆☆☆☆
$55 $6,750 $150 H1607-012-0
Anthem Veteran
☆☆☆☆☆
$0 $9,250 N/A H7093-001-0
Humana Full Access H5216-192
☆☆☆☆☆
$0 $6,700 $615 H5216-192-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $7,900 N/A H5216-441-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $7,900 N/A H5216-218-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
$0 $7,900 $350 H5216-307-0
HumanaChoice Giveback H5216-309
☆☆☆☆☆
$0 $9,150 $0 H5216-309-0
HumanaChoice H5216-019
☆☆☆☆☆
$24 $6,550 $200 H5216-019-0
HumanaChoice H5216-229
☆☆☆☆☆
$0 $6,200 $250 H5216-229-0
HumanaChoice H5216-463
☆☆☆☆☆
$28 $6,350 $400 H5216-463-0
HumanaChoice R0110-011
☆☆☆☆☆
$0 $5,400 N/A R0110-011-0
HumanaChoice R0110-012
☆☆☆☆☆
$20 $9,150 $350 R0110-012-0
Wellcare Assist Open
☆☆☆☆☆
$38 $5,000 $380 H6348-009-0
Wellcare Giveback Open
☆☆☆☆☆
$0 $8,500 $615 H6348-008-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $5,500 N/A H6348-005-0
Wellcare Simple Open
☆☆☆☆☆
$0 $4,300 $615 H6348-002-0
DEVOTED CHOICE 005 IN
☆☆☆☆☆
$0 $4,800 $0 H7471-005-0
DEVOTED CHOICE GIVEBACK 006 IN
☆☆☆☆☆
$0 $9,250 $605 H7471-006-0
DEVOTED CHOICE PREMIUM 007 IN
☆☆☆☆☆
$10 $5,900 $615 H7471-007-0

What is the average monthly premium for PPO plans in St Joseph?

PPO plans in St Joseph cost $11.96 per month on average.

Which PPO plan has the highest enrollment in St Joseph?

The most popular PPO plan in St Joseph is AARP Medicare Advantage from UHC IN-0001 (PPO), with 6,059 enrollees.

How many PPO plans in St Joseph do not include prescription drug coverage?

8 PPO plans in St Joseph 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
10
Average Monthly Premium
$5.39/mo
Total HMO-POS Enrollment
4,845
$0 Premium HMO-POS Plans
8
Average MOOP
$5,410
Top HMO-POS by Enrollment
Anthem Medicare Advantage (HMO-POS) — 1,800 enrollees
HMO-POS Plans Without Drug Coverage
0

2026 HMO-POS Medicare Advantage plans in St Joseph County, Indiana (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage Essentials from UHC IN-11
☆☆☆☆☆
$0 $5,900 $520 H2802-008-0
AARP Medicare Advantage Extras from UHC IN-16
☆☆☆☆☆
$0 $6,700 $600 H2802-055-0
AARP Medicare Advantage Giveback from UHC IN-20
☆☆☆☆☆
$0 $6,700 $600 H2802-059-0
Anthem Extra Help
☆☆☆☆☆
$23 $4,900 $390 H3447-024-0
Anthem Medicare Advantage
☆☆☆☆☆
$0 $4,150 $150 H3447-042-1
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H3192-005-0
Humana Gold Plus H5619-049
☆☆☆☆☆
$0 $4,250 $250 H5619-049-0
Humana Gold Plus H5619-053
☆☆☆☆☆
$0 $4,850 $250 H5619-053-0
Wellcare Assist
☆☆☆☆☆
$31 $5,700 $560 H3499-008-0
Wellcare Simple
☆☆☆☆☆
$0 $4,200 $615 H3499-002-0

What is the typical premium for HMO-POS plans in St Joseph?

HMO-POS plans in St Joseph cost $5.39 per month on average.

Which HMO-POS plan has the most members in St Joseph?

The most popular HMO-POS plan in St Joseph is Anthem Medicare Advantage (HMO-POS), with 1,800 enrollees.

How many HMO-POS options are offered without prescription drug coverage in St Joseph?

There are 0 HMO-POS plans in St Joseph without prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.

Total PFFS Plans
1
Average Monthly Premium
$37.00/mo
Beneficiaries Enrolled
35
$0 Premium PFFS
0
Average MOOP
$3,950
PFFS with the Highest Enrollment
Humana Gold Choice H8145-032 (PFFS) with 35 enrollees
PFFS Without Drug Coverage
0

2026 PFFS Medicare Advantage plans in St Joseph County, Indiana (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Choice H8145-032
☆☆☆☆☆
$37 $3,950 $300 H8145-032-0
What is the total number of PFFS plans in St Joseph?

In 2026, St Joseph has 1 PFFS plans with 35 enrollees.

How much do PFFS plans cost in St Joseph?

The typical PFFS premium in St Joseph is $37.00, and 0 plans have no monthly premium.

CMS quality ratings for Medicare Advantage plans in St Joseph County, IN (2026) are summarized below.

Medicare Advantage Plan Ratings in St Joseph County, IN (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 13 33%
3 Stars 27 68%
Below 3 Stars 0 0%
Not Rated 3 7%
Average Rating 3.64

* 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, non-government informational resource and is not affiliated with or endorsed by 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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