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  1. 🏠
  2. Medicare Advantage Plans
  3. New York
  4. Montgomery County

2026 Medicare Advantage Plans in Montgomery County, NY

Last update: September 1, 2026.

In Montgomery County, NY, there are 31 Medicare Advantage plans available for 2026. Of these, 18 offer a $0 monthly premium, and about 39% 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 Montgomery County, NY. Or explore all Medicare Options available in Montgomery County, NY.

  • PPO Plans
  • HMO 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
$39.98/mo
Plans with $0 Premium
18
Average MOOP Limit
$7,355 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 39% · 3 Stars: 61% · Below 3: 0%
Average Part D Deductible
$513.86
Total MA/MAPD Enrollment
4,860
Plans with the Highest Enrollment
(as of September 8, 2026)
1. CDPHP $0 Medicare Rx (HMO) — 1,648 enrollees
2. CDPHP Choice Rx (HMO) — 576 enrollees
3. MVP Medicare Complete Wellness with Part D (PPO) — 441 enrollees

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
13
Average Monthly Premium
$44.22/mo
Total PPO Enrollment
1,545
$0 Premium PPO Plans
7
Average MOOP
$8,254
Top PPO by Enrollment
MVP Medicare Complete Wellness with Part D (PPO) — 441 enrollees
PPO Plans Without Drug Coverage
3

PPO Medicare Advantage plan comparison – Montgomery County, New York, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 total number of PPO plans offered in Montgomery?

Montgomery County has 13 PPO plans for 2026, with 1,545 enrolled.

How much do PPO plans cost in Montgomery?

The typical PPO premium in Montgomery is $44.22, and 7 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
9
Average Monthly Premium
$37.67/mo
Total HMO Enrollment
2,771
$0 Premium HMO Plans
6
Average MOOP
$6,883
Top HMO by Enrollment
CDPHP $0 Medicare Rx (HMO) — 1,648 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Montgomery County, New York, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 average monthly premium for HMO plans?
HMO plans in Montgomery cost $37.67 per month on average.
Which HMO plan is most popular in Montgomery?
The most popular HMO plan in Montgomery is CDPHP $0 Medicare Rx (HMO), with 1,648 enrollees.
How many HMO plans in Montgomery do not include drug coverage?
There are 2 HMO plans in Montgomery 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 5
  • Average Monthly Premium $29.70/mo
  • Total HMO-POS Enrollment 502
  • $0 Premium HMO-POS Plans 3
  • Average MOOP $8,190
  • Top HMO-POS by Enrollment MVP Medicare Secure Plus with Part D (HMO-POS) — 263 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Montgomery County, New York, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 total number of HMO-POS plans in Montgomery?

There are 5 HMO-POS plans in 2026, covering 502 enrollees.

How much do HMO-POS plans cost in Montgomery?

The average HMO-POS premium in Montgomery is $29.70 per month, with 3 plans offering $0 premiums.

What is the leading HMO-POS plan in Montgomery?

MVP Medicare Secure Plus with Part D (HMO-POS) is the top HMO-POS in Montgomery, with 263 enrollees.

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

2 HMO-POS plans in Montgomery do not include prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
4
Average Monthly Premium
$44.25/mo
Total PFFS Enrollment
42
$0 Premium PFFS Plans
2
Average MOOP
$4,450
Top PFFS by Enrollment
Wellcare Advantage Simple (PFFS) — 30 enrollees
PFFS Plans Without Drug Coverage
2

PFFS Medicare Advantage plan comparison – Montgomery County, New York, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 average monthly premium for PFFS plans?

PFFS plans in Montgomery cost $44.25 per month on average.

Which PFFS plan is most popular in Montgomery?

The most popular PFFS plan in Montgomery is Wellcare Advantage Simple (PFFS), with 30 enrollees.

How many PFFS plans in Montgomery do not include drug coverage?

There are 2 PFFS plans in Montgomery without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Montgomery County, NY for 2026.

CMS Star Ratings for Medicare Advantage Plans in Montgomery County, NY (2026)
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

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

  • 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

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 .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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 documentation is maintained in alignment 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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