2026 Medicare Advantage Plans in Montgomery County, NY
Last update: . Enrollment data updated: June 13, 2026
For 2026, Montgomery County, NY includes 31 Medicare Advantage plans. Enrollment across these plans totals approximately 4,825, with 18 $0 premium options and 39% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Montgomery County, NY are summarized separately. Visit Medicare Options in Montgomery County, NY to see more options.
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
- 13
- Average Monthly Premium
- $44.22/mo
- Total PPO Enrollment
- 1,529
- $0 Premium PPO Plans
- 7
- Average MOOP
- $8,254
- Top PPO by Enrollment
- MVP Medicare Complete Wellness with Part D (PPO) — 438 enrollees
- PPO Plans Without Drug Coverage
- 3
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $9,250 | N/A | H5521-323-0 | |
| Aetna Medicare Elite | $0 | $9,250 | $615 | H5521-119-0 | |
| Aetna Medicare Enhanced | $109 | $9,250 | $615 | H5521-669-0 | |
| Forever Blue 770 | $220 | $6,700 | $615 | H5526-018-0 | |
| Medicare BluePlus | $140 | $7,900 | $615 | H3335-018-0 | |
| Medicare BlueSalute | $0 | $4,500 | N/A | H3335-044-0 | |
| MVP Medicare Complete Wellness with Part D | $15 | $9,250 | $615 | H9615-024-0 | |
| Humana USAA Honor Giveback | $0 | $4,950 | N/A | H5970-016-0 | |
| HumanaChoice Giveback H5970-030 | $0 | $9,250 | $615 | H5970-030-0 | |
| HumanaChoice H5970-029 | $32 | $9,250 | $615 | H5970-029-0 | |
| Wellcare Assist Open | $59 | $9,250 | $530 | H2775-113-0 | |
| Wellcare Giveback Open | $0 | $9,250 | $615 | H2775-111-0 | |
| Wellcare Simple Open | $0 | $9,250 | $615 | H2775-106-0 |
What is the average monthly premium for PPO plans in Montgomery?
PPO plans in Montgomery cost $44.22 per month on average.
Which PPO plan has the highest enrollment in Montgomery?
The most popular PPO plan in Montgomery is MVP Medicare Complete Wellness with Part D (PPO), with 438 enrollees.
How many PPO plans in Montgomery do not include prescription drug coverage?
3 PPO plans in Montgomery do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 9
- Average Monthly Premium $37.67/mo
- Total HMO Enrollment 2,772
- $0 Premium HMO Plans 6
- Average MOOP $6,883
- Top HMO by Enrollment CDPHP $0 Medicare Rx (HMO) — 1,671 enrollees
- HMO Plans Without Drug Coverage 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| CDPHP $0 Medicare Rx | $0 | $6,750 | $500 | H3388-014-0 | |
| CDPHP Choice Rx | $135 | $6,000 | $0 | H3388-002-0 | |
| CDPHP Clear Rx | $100 | $6,400 | $250 | H3388-020-0 | |
| CDPHP Core | $0 | $6,100 | N/A | H3388-001-0 | |
| Senior Blue 652 | $104 | $6,700 | $615 | H3384-013-0 | |
| Aetna Medicare Signature | $0 | $9,250 | $615 | H3312-062-0 | |
| Trinity Health Plan New York Cash Back | $0 | $8,500 | $275 | H9827-004-0 | |
| Trinity Health Plan New York Glory No RX | $0 | $5,500 | N/A | H9827-003-0 | |
| Trinity Health Plan New York No Premium | $0 | $6,750 | $125 | H9827-001-0 |
What is the top HMO by enrollment in Montgomery?
CDPHP $0 Medicare Rx (HMO) is the top HMO in Montgomery, with 1,671 enrollees.
What is the number of HMO plans without Part D coverage in Montgomery?
2 HMO plans in Montgomery 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
- 5
- Average Monthly Premium
- $29.70/mo
- Total HMO-POS Enrollment
- 482
- $0 Premium HMO-POS Plans
- 3
- Average MOOP
- $8,190
- Top HMO-POS by Enrollment
- MVP Medicare Secure Plus with Part D (HMO-POS) — 262 enrollees
- HMO-POS Plans Without Drug Coverage
- 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | H3305-020-0 | |
| MVP Medicare Secure Plus with Part D | $116 | $6,000 | $400 | H3305-022-0 | |
| Wellcare Fidelis Assist | $33 | $9,250 | $615 | H5599-002-0 | |
| Wellcare Fidelis Patriot Simple | $0 | $9,250 | N/A | H5599-010-0 | |
| Wellcare Fidelis Simple | $0 | $9,250 | $615 | H5599-004-0 |
What is the typical premium for HMO-POS plans in Montgomery?
HMO-POS plans in Montgomery cost $29.70 per month on average.
Which HMO-POS plan has the most members in Montgomery?
The most popular HMO-POS plan in Montgomery is MVP Medicare Secure Plus with Part D (HMO-POS), with 262 enrollees.
How many HMO-POS options are offered without prescription drug coverage in Montgomery?
There are 2 HMO-POS plans in Montgomery 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.
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Wellcare Advantage Enhanced | $0 | $4,300 | N/A | H2816-037-0 | |
| Wellcare Advantage Simple | $0 | $6,700 | N/A | H2816-038-0 | |
| Wellcare Premium Enhanced | $50 | $3,400 | $615 | H2816-019-0 | |
| Wellcare Premium Ultra | $127 | $3,400 | $615 | H2816-013-0 |
What is the total number of PFFS plans in Montgomery?
In 2026, Montgomery has 4 PFFS plans with 42 enrollees.
How much do PFFS plans cost in Montgomery?
The typical PFFS premium in Montgomery is $44.25, and 2 plans have no monthly premium.
CMS quality ratings for Medicare Advantage plans in Montgomery County, NY (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 11 | 39% |
| 3 Stars | 17 | 61% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 10% |
| Average Rating | 3.66 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
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
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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.