2026 Medicare Advantage Plans in Schoharie County, NY
Last update: . Enrollment data updated: June 13, 2026
In Schoharie County, NY, there are 24 Medicare Advantage plans available for 2026. Of these, 14 offer a $0 monthly premium, and about 38% 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 Schoharie County, NY. Or explore all Medicare Options available in Schoharie County, NY.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 10
- Average Monthly Premium $21.48/mo
- Total PPO Enrollment 858
- $0 Premium PPO Plans 6
- Average MOOP $8,820
- Top PPO by Enrollment MVP Medicare Complete Wellness with Part D (PPO) — 205 enrollees
- PPO Plans Without Drug Coverage 2
| 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 | |
| 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 Schoharie?
There are 10 PPO plans in 2026, covering 858 beneficiaries.
How much do PPO plans cost in Schoharie?
The average PPO premium in Schoharie is $21.48 per month, with 6 plans offering $0 premiums.
What is the most popular PPO plan in Schoharie?
MVP Medicare Complete Wellness with Part D (PPO) is the top PPO in Schoharie, with 205 enrollees.
What is the number of PPO plans without Part D coverage in Schoharie?
There are 2 PPO plans in Schoharie without prescription drug coverage.
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
- 5
- Average Monthly Premium
- $47.00/mo
- Total HMO Enrollment
- 1,597
- $0 Premium HMO Plans
- 3
- Average MOOP
- $6,900
- Top HMO by Enrollment
- CDPHP $0 Medicare Rx (HMO) — 977 enrollees
- HMO Plans Without Drug Coverage
- 1
| 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 | |
| Aetna Medicare Signature | $0 | $9,250 | $615 | H3312-062-0 |
What is the average monthly premium for HMO plans?
HMO plans in Schoharie cost $47.00 per month on average.
Which HMO plan is most popular in Schoharie?
The most popular HMO plan in Schoharie is CDPHP $0 Medicare Rx (HMO), with 977 enrollees.
How many HMO plans in Schoharie do not include drug coverage?
There are 1 HMO plans in Schoharie without prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.
| 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 leading HMO-POS plan in Schoharie?
MVP Medicare Secure Plus with Part D (HMO-POS) is the top HMO-POS in Schoharie, with 111 enrollees.
What is the number of HMO-POS plans without Part D coverage in Schoharie?
2 HMO-POS plans in Schoharie 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
- 21
- $0 Premium PFFS Plans
- 2
- Average MOOP
- $4,450
- Top PFFS by Enrollment
- Wellcare Advantage Simple (PFFS) — 21 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 typical premium for PFFS plans in Schoharie?
PFFS plans in Schoharie cost $44.25 per month on average.
Which PFFS plan has the most enrollment in Schoharie?
The most popular PFFS plan in Schoharie is Wellcare Advantage Simple (PFFS), with 21 enrollees.
How many PFFS options are available without prescription drug coverage in Schoharie?
There are 2 PFFS plans in Schoharie without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Schoharie 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) | 9 | 38% |
| 3 Stars | 15 | 63% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.63 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
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
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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