2026 Medicare Advantage Plans in Caroline County, MD
Last update: . Enrollment data updated: May 2, 2026
In Caroline County, MD, there are 12 Medicare Advantage plans available for 2026. Of these, 6 offer a $0 monthly premium, and about 8% are rated 4 stars or higher based on CMS quality ratings.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Caroline County, MD. Or explore all Medicare Options available in Caroline County, MD.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 8
- Average Monthly Premium $14.34/mo
- Total PPO Enrollment 690
- $0 Premium PPO Plans 4
- Average MOOP $7,206
- Top PPO by Enrollment HumanaChoice H5216-376 (PPO) — 238 enrollees
- PPO Plans Without Drug Coverage 3
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| HumanaChoice H7617-044 | $9 | $7,550 | $615 | H7617-044-0 | |
| CareFirst BlueCross BlueShield Advantage Complete | $42 | $7,300 | $0 | H7379-002-0 | |
| CareFirst BlueCross BlueShield Advantage Essential | $0 | $8,300 | $0 | H7379-001-0 | |
| CareFirst BlueCross BlueShield Advantage Salute | $0 | $5,900 | N/A | H7379-003-0 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5216-386-1 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5216-379-0 | |
| HumanaChoice H5216-376 | $9 | $7,550 | $615 | H5216-376-0 | |
| HumanaChoice H5216-387 | $54 | $7,550 | $500 | H5216-387-1 |
What is the total number of PPO plans offered in Caroline?
There are 8 PPO plans in 2026, covering 690 beneficiaries.
How much do PPO plans cost in Caroline?
The average PPO premium in Caroline is $14.34 per month, with 4 plans offering $0 premiums.
What is the most popular PPO plan in Caroline?
HumanaChoice H5216-376 (PPO) is the top PPO in Caroline, with 238 enrollees.
What is the number of PPO plans without Part D coverage in Caroline?
There are 3 PPO plans in Caroline without prescription drug coverage.
Medicare Advantage HMO Plans
HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.
- Total HMO Plans
- 4
- Average Monthly Premium
- $38.00/mo
- Total HMO Enrollment
- 159
- $0 Premium HMO Plans
- 2
- Average MOOP
- $7,688
- Top HMO by Enrollment
- Alterwood Advantage Select (HMO) — 80 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Alterwood Advantage Choice | $30 | $7,500 | $0 | H9306-008-1 | |
| Alterwood Advantage Choice Plus | $122 | $6,500 | $0 | H9306-002-0 | |
| Alterwood Advantage Freedom | $0 | $9,250 | N/A | H9306-003-0 | |
| Alterwood Advantage Select | $0 | $7,500 | $295 | H9306-009-1 |
What is the average monthly premium for HMO plans?
HMO plans in Caroline cost $38.00 per month on average.
Which HMO plan is most popular in Caroline?
The most popular HMO plan in Caroline is Alterwood Advantage Select (HMO), with 80 enrollees.
How many HMO plans in Caroline do not include drug coverage?
There are 1 HMO plans in Caroline without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Caroline County, MD for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 1 | 8% |
| 3 Stars | 11 | 92% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.58 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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