2026 Medicare Advantage Plans in Cumberland County, PA
Last update: . Enrollment data updated: June 13, 2026
For 2026, Cumberland County, PA includes 79 Medicare Advantage plans. Enrollment across these plans totals approximately 21,634, with 44 $0 premium options and 70% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Cumberland County, PA are summarized separately. Visit Medicare Options in Cumberland County, PA 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
- 47
- Average Monthly Premium
- $35.04/mo
- Total PPO Enrollment
- 17,885
- $0 Premium PPO Plans
- 25
- Average MOOP
- $6,795
- Top PPO by Enrollment
- Community Blue Medicare PPO Signature (PPO) — 3,981 enrollees
- PPO Plans Without Drug Coverage
- 6
What is the average monthly premium for PPO plans in Cumberland?
PPO plans in Cumberland cost $35.04 per month on average.
Which PPO plan has the highest enrollment in Cumberland?
The most popular PPO plan in Cumberland is Community Blue Medicare PPO Signature (PPO), with 3,981 enrollees.
How many PPO plans in Cumberland do not include prescription drug coverage?
6 PPO plans in Cumberland 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 21
- Average Monthly Premium $40.08/mo
- Total HMO Enrollment 2,823
- $0 Premium HMO Plans 10
- Average MOOP $6,464
- Top HMO by Enrollment Community Blue Medicare HMO Signature (HMO) — 941 enrollees
- HMO Plans Without Drug Coverage 2
What is the top HMO by enrollment in Cumberland?
Community Blue Medicare HMO Signature (HMO) is the top HMO in Cumberland, with 941 enrollees.
What is the number of HMO plans without Part D coverage in Cumberland?
2 HMO plans in Cumberland 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
- 8
- Average Monthly Premium
- $10.09/mo
- Total HMO-POS Enrollment
- 863
- $0 Premium HMO-POS Plans
- 6
- Average MOOP
- $6,569
- Top HMO-POS by Enrollment
- Aetna Medicare Advantra Eagle Plus (HMO-POS) — 234 enrollees
- HMO-POS Plans Without Drug Coverage
- 3
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC PA-0002 | $0 | $6,700 | $440 | H5253-146-0 | |
| AARP Medicare Advantage Patriot No Rx PA-MA01 | $0 | $6,700 | N/A | H5253-152-0 | |
| Aetna Medicare Advantra Eagle Plus | $0 | $5,500 | N/A | H3959-041-0 | |
| Aetna Medicare Advantra Enhanced | $48 | $7,500 | $615 | H3959-039-0 | |
| Wellcare Assist | $33 | $5,500 | $475 | H2915-011-0 | |
| Wellcare Patriot Giveback | $0 | $7,550 | N/A | H2915-013-0 | |
| Wellcare Simple | $0 | $6,200 | $615 | H2915-003-0 | |
| Aetna Medicare PinnacleHealth Prime | $0 | $6,900 | $615 | H3931-091-0 |
What is the typical premium for HMO-POS plans in Cumberland?
HMO-POS plans in Cumberland cost $10.09 per month on average.
Which HMO-POS plan has the most members in Cumberland?
The most popular HMO-POS plan in Cumberland is Aetna Medicare Advantra Eagle Plus (HMO-POS), with 234 enrollees.
How many HMO-POS options are offered without prescription drug coverage in Cumberland?
There are 3 HMO-POS plans in Cumberland 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 |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-052 | $0 | $7,100 | $615 | H8145-052-0 | |
| Humana Gold Choice H8145-055 | $0 | $6,700 | N/A | H8145-055-0 | |
| Humana Gold Choice H8145-163 | $0 | $1,500 | N/A | H8145-163-0 |
What is the total number of PFFS plans in Cumberland?
In 2026, Cumberland has 3 PFFS plans with 63 enrollees.
How much do PFFS plans cost in Cumberland?
The typical PFFS premium in Cumberland is $0.00, and 3 plans have no monthly premium.
CMS quality ratings for Medicare Advantage plans in Cumberland County, PA (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) | 53 | 70% |
| 3 Stars | 23 | 30% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 4% |
| Average Rating | 4.13 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- 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
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, non-government informational resource and is not affiliated with or endorsed by 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.