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2027 Medicare Advantage Plans in Cortland County, NY

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In Cortland County, NY, there are 22 Medicare Advantage plans available for 2027. Of these, 11 offer a $0 monthly premium, and about 32% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$48.16/mo
Plans with $0 Premium
11
Average MOOP Limit
$8,711 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 32% · 3 Stars: 68% · Below 3: 0%
Average Part D Deductible
$650.63
Total MA/MAPD Enrollment
1,119
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage from UHC NY-0006 (HMO-POS) — 367 enrollees
2. Wellcare Simple Open (PPO) — 204 enrollees
3. Aetna Medicare Enhanced (PPO) — 135 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Cortland County, NY. Or explore all Medicare Options available in Cortland County, NY. To understand how local plans fit into the broader market, visit our New York Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
9
Average Monthly Premium
$54.00/mo
Total PPO Enrollment
627
$0 Premium PPO Plans
5
Average MOOP
$8,978
Top PPO by Enrollment
Wellcare Simple Open (PPO) — 204 enrollees
PPO Plans Without Drug Coverage
2

PPO Medicare Advantage plan comparison – Cortland County, New York, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
 $0 $9,850 N/A H5521-323-0
Aetna Medicare Elite
☆☆☆☆☆
 $79 $9,850 $700 H5521-739-0
Aetna Medicare Enhanced
☆☆☆☆☆
 $86 $9,850 $700 H5521-520-0
MVP Medicare Secure Plus Choice with Part D
☆☆☆☆☆
 $256 $7,500 $500 H9615-025-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,950 N/A H5970-016-0
HumanaChoice H5970-029
☆☆☆☆☆
 $65 $9,250 $700 H5970-029-0
Wellcare Assist Open
☆☆☆☆☆
 $0 $9,850 $700 H2775-113-0
Wellcare Giveback Open
☆☆☆☆☆
 $0 $9,850 $700 H2775-111-0
Wellcare Simple Open
☆☆☆☆☆
 $0 $9,850 $700 H2775-106-0
What is the total number of PPO plans offered in Cortland?

Cortland County has 9 PPO plans for 2027, with 627 enrolled.

How much do PPO plans cost in Cortland?

The typical PPO premium in Cortland is $54.00, and 5 plans have no monthly premium.

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
2
Average Monthly Premium
$36.50/mo
Total HMO Enrollment
0
$0 Premium HMO Plans
0
Average MOOP
$9,850
Top HMO by Enrollment
— 0 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Cortland County, New York, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Medicare Blue Choice 028
☆☆☆☆☆
 $14 $9,850 $700 H3351-028-0
Aetna Medicare Elite
☆☆☆☆☆
 $59 $9,850 $700 H3312-107-0
What is the average monthly premium for HMO plans?
HMO plans in Cortland cost $36.50 per month on average.
Which HMO plan is most popular in Cortland?
The most popular HMO plan in Cortland is , with 0 enrollees.
How many HMO plans in Cortland do not include drug coverage?
There are 0 HMO plans in Cortland without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 11
  • Average Monthly Premium $45.51/mo
  • Total HMO-POS Enrollment 492
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $8,286
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC NY-0006 (HMO-POS) — 367 enrollees
  • HMO-POS Plans Without Drug Coverage 4

HMO-POS Medicare Advantage plan comparison – Cortland County, New York, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Medicare Blue Choice 029
☆☆☆☆☆
 $85 $8,500 $700 H3351-029-0
Medicare Blue Choice 030
☆☆☆☆☆
 $125 $7,500 $325 H3351-030-0
Medicare Blue Choice 031
☆☆☆☆☆
 $0 $6,500 N/A H3351-031-0
AARP Medicare Advantage from UHC NY-0006
☆☆☆☆☆
 $54 $8,900 $685 H3379-039-0
AARP Medicare Advantage Patriot No Rx NY-MA3
☆☆☆☆☆
 $0 $7,150 N/A H3379-060-0
MVP Medicare Preferred Gold without Part D
☆☆☆☆☆
 $0 $7,200 N/A H3305-020-0
MVP Medicare Secure Plus with Part D
☆☆☆☆☆
 $165 $6,000 $500 H3305-022-0
MVP Medicare WellValue with Part D
☆☆☆☆☆
 $71 $9,850 $700 H3305-038-0
Wellcare Fidelis Assist
☆☆☆☆☆
 $0 $9,850 $700 H5599-002-0
Wellcare Fidelis Patriot Simple
☆☆☆☆☆
 $0 $9,850 N/A H5599-010-0
Wellcare Fidelis Simple
☆☆☆☆☆
 $0 $9,850 $700 H5599-004-0
What is the total number of HMO-POS plans in Cortland?

There are 11 HMO-POS plans in 2027, covering 492 enrollees.

How much do HMO-POS plans cost in Cortland?

The average HMO-POS premium in Cortland is $45.51 per month, with 6 plans offering $0 premiums.

What is the leading HMO-POS plan in Cortland?

AARP Medicare Advantage from UHC NY-0006 (HMO-POS) is the top HMO-POS in Cortland, with 367 enrollees.

What is the number of HMO-POS plans without Part D coverage in Cortland?

4 HMO-POS plans in Cortland do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Cortland County, NY for 2027.

CMS Star Ratings for Medicare Advantage Plans in Cortland County, NY (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 7 32%
3 Stars 15 68%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.45

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Cortland County, New York, including communities such as Cincinnatus, Cortland, Homer, Mc Graw, Truxton, Marathon, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .