2026 Medicare Advantage Plans in Schenectady County, NY
Last update: . Enrollment data updated: May 2, 2026
For 2026, Schenectady County, NY includes 36 Medicare Advantage plans. Enrollment across these plans totals approximately 11,820, with 22 $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 Schenectady County, NY are summarized separately. Visit Medicare Options in Schenectady 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
- 2,800
- $0 Premium PPO Plans
- 6
- Average MOOP
- $8,567
- Top PPO by Enrollment
- MVP Medicare Complete Wellness with Part D (PPO) — 1,060 enrollees
- PPO Plans Without Drug Coverage
- 2
| 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 | |
| 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 Schenectady?
PPO plans in Schenectady cost $40.23 per month on average.
Which PPO plan has the highest enrollment in Schenectady?
The most popular PPO plan in Schenectady is MVP Medicare Complete Wellness with Part D (PPO), with 1,060 enrollees.
How many PPO plans in Schenectady do not include prescription drug coverage?
2 PPO plans in Schenectady 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 10
- Average Monthly Premium $36.40/mo
- Total HMO Enrollment 6,819
- $0 Premium HMO Plans 6
- Average MOOP $7,120
- Top HMO by Enrollment CDPHP $0 Medicare Rx (HMO) — 3,337 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 | |
| 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 top HMO by enrollment in Schenectady?
CDPHP $0 Medicare Rx (HMO) is the top HMO in Schenectady, with 3,337 enrollees.
What is the number of HMO plans without Part D coverage in Schenectady?
2 HMO plans in Schenectady 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
- 2,201
- $0 Premium HMO-POS Plans
- 8
- Average MOOP
- $7,780
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC NY-29 (HMO-POS) — 980 enrollees
- HMO-POS Plans Without Drug Coverage
- 4
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 typical premium for HMO-POS plans in Schenectady?
HMO-POS plans in Schenectady cost $14.85 per month on average.
Which HMO-POS plan has the most members in Schenectady?
The most popular HMO-POS plan in Schenectady is AARP Medicare Advantage from UHC NY-29 (HMO-POS), with 980 enrollees.
How many HMO-POS options are offered without prescription drug coverage in Schenectady?
There are 4 HMO-POS plans in Schenectady 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 Schenectady?
In 2026, Schenectady has 4 PFFS plans with 0 enrollees.
How much do PFFS plans cost in Schenectady?
The typical PFFS premium in Schenectady is $44.25, and 2 plans have no monthly premium.
CMS quality ratings for Medicare Advantage plans in Schenectady 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 | 3 | 8% |
| Average Rating | 3.62 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 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.