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MVP Medicare Preferred Gold without Part D (HMO-POS) Medicare Advantage Plan H3305-020 • 2027 • Saratoga County, NY

CMS Rating: ☆☆☆☆☆ (3.5 out of 5 stars*)
Monthly Premium
$0.00Plus Part B premium.
Medical Deductible
$0.00
Maximum Out-of-Pocket
$7200.00In-network
Part B Giveback
Not offered
Prescription Coverage
Not Included
Additional Benefits
Dental, Vision, Hearing
Service Area
Saratoga County, NY
Local Enrollment
39 beneficiaries in Saratoga County
Last update:

MVP Medicare Preferred Gold without Part D (HMO-POS) Introduction

This Medicare Advantage HMO-POS plan, MVP Medicare Preferred Gold without Part D, is offered by MVP HEALTH CARE and uses a Health Maintenance Organization with a Point of Service (HMO-POS) provider network. It comes without prescription drug coverage. For the 2027 plan year, the monthly premium is $0.00, the medical deductible is $0.00, and the in-network maximum out-of-pocket is $7200.00. The plan is identified by CMS Plan ID H3305-020.

Qualifying residents of Saratoga County, New York may enroll in this plan. CMS enrollment data reports 39 plan members in Saratoga County. New members can call the plan directly at (800)324-3899 (TTY 711) for assistance.

Compare Similar Plans in Saratoga County

Compare this plan with the two most-enrolled HMO-POS plans available in Saratoga County, New York. Enrollment is based on CMS local enrollment data.

HMO-POS plan comparison for Saratoga County, New York
Plan Detail MVP Medicare Preferred Gold without Part D AARP Medicare Advantage from UHC NY-29 MVP Medicare Secure Plus with Part D
CMS Plan ID H3305-020-0 H3379-052-0 H3305-022-0
Local Enrollment 39 2,285 1,002
Monthly Premium $0.00 $39.00 $165.00
Medical Deductible $0.00 $0.00 $0.00
Maximum Out-of-Pocket $7,200.00 $7,150.00 $6,000.00
Part B Giveback Not offered Not offered Not offered
Primary Care $0 copay $0 copay $0 copay
Specialist $40 copay $0-$55 copay $40 copay
Part D Deductible Not Applicable $685.00 $500.00
CMS Star Rating 3.5 3.5 3.5
Dental $0 copay $0 copay $0 copay
Vision $0 copay $0 copay $0 copay
Hearing $0 copay $0 copay $0 copay

Plan Benefits

MVP Medicare Preferred Gold without Part D includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The tables below outline the most common in-network out-of-pocket costs associated with plan H3305-020.

You can also compare 2027 costs and coverage with last year, side-by-side: Plan H3305-020-0 Cost Compare.

Office Visits

Primary care
In-network: $0 copay
Out-of-network: 30% coinsurance
Specialist
In-network: $40 copay
Out-of-network: 30% coinsurance

Preventive and Wellness Services

Annual wellness exam
In-network: $0 copay
Telehealth benefit
In-network: $0 copay
Routine chiropractic
Not covered
Fitness benefits
Coming soon
Health education
In-network: $0 copay
Counseling services
Not covered
Over-the-counter drug benefits
In-network: $0 copay
Health transportation (non-emergency)
Coming soon

Diagnostic, Lab, and Imaging Services

Diagnostic radiology services
In-network: $50-$200 copay
Out-of-network: 30% coinsurance
Lab services
In-network: $0 copay
Out-of-network: 30% coinsurance
Outpatient x-rays
In-network: $50 copay
Out-of-network: 30% coinsurance
Diagnostic tests and procedures
In-network: $10 copay
Out-of-network: 30% coinsurance

Emergency and Urgent Care Services

Emergency room care
$115 copay
Worldwide emergency care
Coming soon
Urgent care
$40 copay
Inpatient hospital care
In-network:
Tier 1
$375 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
30% per stay
Skilled Nursing Facility
In-network:
Tier 1
$0 per day for days 1-20
$221 per day for days 21-100
Ground ambulance
In-network: $200 copay
Out-of-network: $200-$400 copay

Mental Health Services

Outpatient individual therapy
In-network: $30 copay
Outpatient group therapy
In-network: $30 copay
Inpatient psychiatric hospital care
In-network:
Tier 1
$375 per day for days 1-5
$0 per day for days 6-90
$0 per stay
Out-of-network:
30% per stay

Rehabilitation Services

Physical therapy and speech and language therapy
In-network: $20 copay
Out-of-network: 30% coinsurance
Occupational therapy
In-network: $20 copay
Out-of-network: 30% coinsurance

Medical Equipment and Supplies

Diabetes supplies
In-network: $0 copay
Durable medical equipment
In-network: 20% coinsurance
Out-of-network: 30% coinsurance
Prosthetics
In-network: 0%-20% coinsurance
Out-of-network: 30% coinsurance

Medicare Part B Drugs

Chemotherapy
In-network: 0%-20% coinsurance
Other Part B drugs (Medicare-covered)
In-network: 0%-20% coinsurance

Dental Services

Oral exam
In-network: $0 copay
Dental x-rays
In-network: $0 copay
Cleaning
In-network: $0 copay
Periodontics
Not covered
Endodontics
Not covered
Restorative services
Not covered
Implant services
Not covered
Orthodontics
Not covered
Oral/Maxillofacial surgery
Not covered

Vision Services

Routine eye exam
In-network: $0 copay
Out-of-network: $0 copay, 0% coinsurance
Contact lenses
In-network: $0 copay
Eyeglass frames only
In-network: $0 copay
Eyeglass lenses only
In-network: $0 copay
Eyeglasses (frames & lenses)
In-network: $0 copay
Upgrades
In-network: $0 copay

Hearing Services

Hearing exam
In-network: $0 copay
Fitting/evaluation
In-network: $0 copay
Prescription hearing aids
In-network: $699-$999 copay
OTC hearing aids
Not covered

Additional and Special Needs Services

Adult day health services
Not covered
Home-based palliative care
Not covered
Personal emergency response system
Coming soon
Weight management programs
Not covered
Wigs for chemotherapy-related hair loss
Coming soon
Alternative therapies
Not covered
Massage therapy
Not covered
Home/bathroom safety devices
Not covered

Certain preventive services are covered 100% by MVP Medicare Preferred Gold without Part D as a Part B benefit.

Prescription Drug Coverage

This plan does not include a Medicare Part D plan for prescriptions.

CMS 5-Star Performance Ratings (Contract ID: H3305)

Medicare Advantage (Part C) and Part D plans are rated each year by CMS on a 5-star scale. Ratings summarize plan performance across clinical care and member experience measures.

2027 Medicare Star Ratings for Contract H3305
CMS Measure Star Rating
2027 Overall Rating ☆☆☆☆☆
Staying Healthy: Screenings, Tests, Vaccines ☆☆☆☆☆
Managing Chronic (Long Term) Conditions ☆☆☆☆☆
Member Experience with Health Plan ☆☆☆☆☆
Complaints and Changes in Plans Performance ☆☆☆☆☆
Health Plan Customer Service ☆☆☆☆☆
Drug Plan Customer Service ☆☆☆☆☆
Complaints and Changes in the Drug Plan ☆☆☆☆☆
Member Experience with the Drug Plan ☆☆☆☆☆
Drug Safety and Accuracy of Drug Pricing ☆☆☆☆☆
Medicare Plan Data Sources and Methodology
Primary CMS datasets used for this Medicare Advantage Plan resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

Data sources and methodology documentation.

Official plan information and secondary Medicare references.
Publisher Reference Last Accessed
MVP HEALTH CARE (official source) http://www.mvphealthcare.com/plans/me October 4, 2026
CMS.gov Medicare Advantage Plan Fact Sheet 25 May, 2025
Medicare.gov Joining a plan 25 May, 2025
Medicare.gov Explore your Medicare coverage options 25 May, 2025

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard.