- Entity
- county:new-york-schenectady-36093
- 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/schenectady/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-county-plan-index
- Total Standard Medicare Advantage Plans
- 36
- PPO Plans
- 12
- HMO Plans
- 10
- HMO-POS Plans
- 10
- PFFS Plans
- 4
- Average Monthly Premium
- 32.56
- Average MOOP
- 7488.89
- Average Part D Deductible
- 508.46
- $0 Premium Plans
- 22
- Plans Without Part D Coverage
- 10
- Average CMS Star Rating
- 3.62
- $0 Premium Plan Share
- 61.11
- 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
- 8
- PPO Average Monthly Premium
- 40.23
- PPO Average MOOP
- 8566.67
- PPO Enrollment
- 2784
- PPO $0 Premium Plans
- 6
- PPO Plans Without Part D Coverage
- 2
- HMO Average Monthly Premium
- 36.4
- HMO Average MOOP
- 7120
- HMO Enrollment
- 6857
- HMO $0 Premium Plans
- 6
- HMO Plans Without Part D Coverage
- 2
- HMO-POS Average Monthly Premium
- 14.85
- HMO-POS Average MOOP
- 7780
- HMO-POS Enrollment
- 2237
- 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-schenectady-36093
- 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/schenectady/
- Glossary Scope
- cms_landscape
- Fragment Scope
- semantic-digest
- Method
- https://webmem.com/protocol/serialization/html/
- fragment-new-york-schenectady-36093-landscape-stats
- Plans Indexed
- 36
- 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 -
Trinity Health Plan New York Cash Back
H9827-004-0 -
Trinity Health Plan New York Glory No RX
H9827-003-0 -
Trinity Health Plan New York No Premium
H9827-001-0
-
Aetna Medicare Eagle Giveback
- Total Standard Medicare Advantage Enrollment
- 11878
2026 Medicare Advantage Plans in Schenectady County, NY
Last update: .
In Schenectady County, NY, there are 36 Medicare Advantage plans available for 2026. Of these, 22 offer a $0 monthly premium, and about 36% 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 Schenectady County, NY. Or explore all Medicare Options available in Schenectady County, NY.
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.
| 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 | |
| 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 total number of PPO plans offered in Schenectady?
Schenectady County has 12 PPO plans for 2026, with 2,784 enrolled.
How much do PPO plans cost in Schenectady?
The typical PPO premium in Schenectady is $40.23, and 6 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
- 10
- Average Monthly Premium
- $36.40/mo
- Total HMO Enrollment
- 6,857
- $0 Premium HMO Plans
- 6
- Average MOOP
- $7,120
- Top HMO by Enrollment
- CDPHP $0 Medicare Rx (HMO) — 3,385 enrollees
- HMO Plans Without Drug Coverage
- 2
| 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 | |
| VNS Health EasyCare | $25 | $9,250 | $500 | H5549-012-0 | |
| 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 Schenectady cost $36.40 per month on average.
- Which HMO plan is most popular in Schenectady?
- The most popular HMO plan in Schenectady is CDPHP $0 Medicare Rx (HMO), with 3,385 enrollees.
- How many HMO plans in Schenectady do not include drug coverage?
- There are 2 HMO plans in Schenectady 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 10
- Average Monthly Premium $14.85/mo
- Total HMO-POS Enrollment 2,237
- $0 Premium HMO-POS Plans 8
- Average MOOP $7,780
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC NY-29 (HMO-POS) — 997 enrollees
- HMO-POS Plans Without Drug Coverage 4
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan 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 total number of HMO-POS plans in Schenectady?
There are 10 HMO-POS plans in 2026, covering 2,237 enrollees.
How much do HMO-POS plans cost in Schenectady?
The average HMO-POS premium in Schenectady is $14.85 per month, with 8 plans offering $0 premiums.
What is the leading HMO-POS plan in Schenectady?
AARP Medicare Advantage from UHC NY-29 (HMO-POS) is the top HMO-POS in Schenectady, with 997 enrollees.
What is the number of HMO-POS plans without Part D coverage in Schenectady?
4 HMO-POS plans in Schenectady 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
- 0
- $0 Premium PFFS Plans
- 2
- Average MOOP
- $4,450
- Top PFFS by Enrollment
- — 0 enrollees
- PFFS Plans Without Drug Coverage
- 2
| 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 Schenectady cost $44.25 per month on average.
Which PFFS plan is most popular in Schenectady?
The most popular PFFS plan in Schenectady is , with 0 enrollees.
How many PFFS plans in Schenectady do not include drug coverage?
There are 2 PFFS plans in Schenectady without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Schenectady County, NY for 2026.
| 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 | 3 | 8% |
| Average Rating | 3.62 | |
* 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.