- Entity
- county:new-york-saratoga-36091
- Digest
- 2026-county-ma-aggregate
- Population Scope
- Standard Medicare Advantage plans only; Special Needs Plans (SNPs) excluded
- Source URL
- https://www.medicareplans.com/medicare-advantage/new-york/saratoga/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-county-plan-index
- Total Standard Medicare Advantage Plans
- 33
- PPO Plans
- 12
- HMO Plans
- 7
- HMO-POS Plans
- 10
- PFFS Plans
- 4
- Average Monthly Premium
- 35.52
- Average MOOP
- 7540.91
- Average Part D Deductible
- 534.17
- $0 Premium Plans
- 19
- Plans Without Part D Coverage
- 9
- Average CMS Star Rating
- 3.62
- $0 Premium Plan Share
- 57.58
- 5-Star Plan Share
- 0
- 4+ Star Plan Share
- 36
- 3-Star Plan Share
- 64
- Below 3-Star Plan Share
- 0
- Not-Rated Plan Share
- 0
- PPO Average Monthly Premium
- 40.23
- PPO Average MOOP
- 8566.67
- PPO Enrollment
- 4718
- PPO $0 Premium Plans
- 6
- PPO Plans Without Part D Coverage
- 2
- HMO Average Monthly Premium
- 52
- HMO Average MOOP
- 7207.14
- HMO Enrollment
- 13070
- HMO $0 Premium Plans
- 3
- HMO Plans Without Part D Coverage
- 1
- HMO-POS Average Monthly Premium
- 14.85
- HMO-POS Average MOOP
- 7780
- HMO-POS Enrollment
- 3870
- HMO-POS $0 Premium Plans
- 8
- HMO-POS Plans Without Part D Coverage
- 4
- PFFS Average Monthly Premium
- 44.25
- PFFS Average MOOP
- 4450
- PFFS Enrollment
- 0
- PFFS $0 Premium Plans
- 2
- PFFS Plans Without Part D Coverage
- 2
- Entity
- county:new-york-saratoga-36091
- Digest
- 2026-county-ma-aggregate
- Population Scope
- Standard Medicare Advantage plans only; Special Needs Plans (SNPs) excluded
- Source URL
- https://www.medicareplans.com/medicare-advantage/new-york/saratoga/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-new-york-saratoga-36091-landscape-stats
- Plans Indexed
- 33
- Standard Medicare Advantage Plans
-
-
Aetna Medicare Eagle Giveback
H5521-323-0 -
Aetna Medicare Elite
H5521-119-0 -
Aetna Medicare Enhanced
H5521-669-0 -
CDPHP $0 Medicare Rx
H3388-014-0 -
CDPHP Choice Rx
H3388-002-0 -
CDPHP Clear Rx
H3388-020-0 -
CDPHP Core
H3388-001-0 -
Forever Blue 770
H5526-018-0 -
EmblemHealth VIP Value
H3330-048-0 -
MVP Medicare Preferred Gold without Part D
H3305-020-0 -
MVP Medicare Secure Plus with Part D
H3305-022-0 -
Senior Blue 652
H3384-013-0 -
AARP Medicare Advantage from UHC NY-0015
H3418-004-0 -
AARP Medicare Advantage from UHC NY-29
H3379-052-0 -
AARP Medicare Advantage Patriot No Rx NY-MA3
H3379-060-0 -
MVP Medicare Complete Wellness with Part D
H9615-024-0 -
VNS Health EasyCare
H5549-012-0 -
Wellcare Advantage Enhanced
H2816-037-0 -
Wellcare Advantage Simple
H2816-038-0 -
Wellcare Premium Enhanced
H2816-019-0 -
Wellcare Premium Ultra
H2816-013-0 -
Aetna Medicare Signature
H3312-062-0 -
Humana USAA Honor Giveback
H5970-016-0 -
HumanaChoice Giveback H5970-030
H5970-030-0 -
HumanaChoice H5970-029
H5970-029-0 -
Wellcare Assist Open
H2775-113-0 -
Wellcare Fidelis Assist
H5599-002-0 -
Wellcare Fidelis Patriot Simple
H5599-010-0 -
Wellcare Fidelis Simple
H5599-004-0 -
Wellcare Giveback Open
H2775-111-0 -
Wellcare Patriot Simple
H4868-003-0 -
Wellcare Simple
H4868-019-0 -
Wellcare Simple Open
H2775-106-0
-
Aetna Medicare Eagle Giveback
- Total Standard Medicare Advantage Enrollment
- 21658
2026 Medicare Advantage Plans in Saratoga County, NY
Last update: .
For 2026, Saratoga County, NY includes 33 Medicare Advantage plans. Enrollment across these plans totals approximately 21,658, with 19 $0 premium options and 36% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Saratoga County, NY are summarized separately. Visit Medicare Options in Saratoga 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
- 12
- Average Monthly Premium
- $40.23/mo
- Total PPO Enrollment
- 4,718
- $0 Premium PPO Plans
- 6
- Average MOOP
- $8,567
- Top PPO by Enrollment
- MVP Medicare Complete Wellness with Part D (PPO) — 1,640 enrollees
- PPO Plans Without Drug Coverage
- 2
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS 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 | |
| AARP Medicare Advantage from UHC NY-0015 | $48 | $7,900 | $600 | H3418-004-0 | |
| 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 Saratoga?
- PPO plans in Saratoga cost $40.23 per month on average.
- Which PPO plan has the highest enrollment in Saratoga?
- The most popular PPO plan in Saratoga is MVP Medicare Complete Wellness with Part D (PPO), with 1,640 enrollees.
- How many PPO plans in Saratoga do not include prescription drug coverage?
- 2 PPO plans in Saratoga do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS 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 | |
| VNS Health EasyCare | $25 | $9,250 | $500 | H5549-012-0 | |
| Aetna Medicare Signature | $0 | $9,250 | $615 | H3312-062-0 |
What is the total number of HMO plans offered in Saratoga?
There are 7 HMO plans in 2026, covering 13,070 enrollees.
How much do HMO plans cost in Saratoga?
The average HMO premium in Saratoga is $52.00 per month, with 3 plans offering $0 premiums.
What is the top HMO by enrollment in Saratoga?
CDPHP $0 Medicare Rx (HMO) is the top HMO in Saratoga, with 7,064 enrollees.
What is the number of HMO plans without Part D coverage in Saratoga?
1 HMO plans in Saratoga 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
- $14.85/mo
- Total HMO-POS Enrollment
- 3,870
- $0 Premium HMO-POS Plans
- 8
- Average MOOP
- $7,780
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC NY-29 (HMO-POS) — 2,286 enrollees
- HMO-POS Plans Without Drug Coverage
- 4
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| EmblemHealth VIP Value | $0 | $7,500 | $215 | H3330-048-0 | |
| 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 | |
| AARP Medicare Advantage from UHC NY-29 | $0 | $6,700 | $600 | H3379-052-0 | |
| AARP Medicare Advantage Patriot No Rx NY-MA3 | $0 | $6,700 | N/A | H3379-060-0 | |
| 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 | |
| Wellcare Patriot Simple | $0 | $6,700 | N/A | H4868-003-0 | |
| Wellcare Simple | $0 | $9,250 | $615 | H4868-019-0 |
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Saratoga cost $14.85 per month on average.
Which HMO-POS plan is most popular in Saratoga?
The most popular HMO-POS plan in Saratoga is AARP Medicare Advantage from UHC NY-29 (HMO-POS), with 2,286 enrollees.
How many HMO-POS plans in Saratoga do not include drug coverage?
There are 4 HMO-POS plans in Saratoga without prescription drug coverage.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.
- Total PFFS Plans 4
- Average Monthly Premium $44.25/mo
- Total PFFS Enrollment 0
- $0 Premium PFFS Plans 2
- Average MOOP $4,450
- Top PFFS by Enrollment — 0 enrollees
- PFFS Plans Without Drug Coverage 2
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS 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 top PFFS plan in Saratoga?
is the top PFFS in Saratoga, with 0 enrollees.
What is the number of PFFS plans without Part D coverage in Saratoga?
2 PFFS plans in Saratoga do not include prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Saratoga 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) | 12 | 36% |
| 3 Stars | 21 | 64% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.62 | |
* 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 informational resource and has no affiliation with, or endorsement from, 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.