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2027 Medicare Advantage Plans in Luzerne County, PA

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In Luzerne County, PA, there are 54 Medicare Advantage plans available for 2027. Of these, 35 offer a $0 monthly premium, and about 80% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$28.37/mo
Plans with $0 Premium
35
Average MOOP Limit
$7,229 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 80% · 3 Stars: 20% · Below 3: 0%
Average Part D Deductible
$564.59
Total MA/MAPD Enrollment
23,689
Plans with the Highest Enrollment
(as of November 10, 2026)
1. Geisinger Gold Classic 360 Rx (HMO) — 6,696 enrollees
2. Geisinger Gold Preferred Complete Rx (PPO) — 2,334 enrollees
3. Community Blue Medicare PPO Signature (PPO) — 1,816 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Luzerne County, PA. Or explore all Medicare Options available in Luzerne County, PA. To understand how local plans fit into the broader market, visit our Pennsylvania Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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.

Total PPO Plans
34
Average Monthly Premium
$35.09/mo
Total PPO Enrollment
9,331
$0 Premium PPO Plans
20
Average MOOP
$7,168
Top PPO by Enrollment
Geisinger Gold Preferred Complete Rx (PPO) — 2,334 enrollees
PPO Plans Without Drug Coverage
6

PPO Medicare Advantage plan comparison – Luzerne County, Pennsylvania, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC PA-0015
☆☆☆☆☆
 $0 $7,150 $685 H2001-110-0
Aetna Medicare Advantra Premier
☆☆☆☆☆
 $99 $5,900 $700 H5522-002-0
Aetna Medicare Advantra Signature
☆☆☆☆☆
 $0 $9,250 $700 H5522-004-0
Aetna Medicare Advantra Signature Giveback
☆☆☆☆☆
 $0 $9,850 $700 H5522-017-0
Aetna Medicare Value Plus
☆☆☆☆☆
 $35 $7,500 $700 H5522-013-0
Community Blue Medicare PPO Signature
☆☆☆☆☆
 $0 $7,150 $700 H3916-037-2
Complete Blue PPO Distinct
☆☆☆☆☆
 $73 $6,750 $700 H3916-060-1
Complete Blue PPO Merit
☆☆☆☆☆
 $0 $8,300 $700 H3916-069-1
Freedom Blue PPO Basic
☆☆☆☆☆
 $0 $5,900 N/A H3916-012-0
Freedom Blue PPO Deluxe
☆☆☆☆☆
 $239 $4,500 $0 H3916-005-0
Freedom Blue PPO Standard
☆☆☆☆☆
 $135 $5,000 $0 H3916-015-0
Freedom Blue PPO Valor
☆☆☆☆☆
 $0 $6,000 N/A H3916-043-0
Freedom Blue PPO ValueRx
☆☆☆☆☆
 $84 $5,500 $700 H3916-018-0
UPMC for Life PPO Salute
☆☆☆☆☆
 $0 $9,850 N/A H5533-016-1
AARP Medicare Advantage from UHC PA-0007
☆☆☆☆☆
 $57 $6,300 $595 H2406-046-0
AARP Medicare Advantage from UHC PA-0008
☆☆☆☆☆
 $60 $5,900 $685 H2406-047-0
AARP Medicare Advantage from UHC PA-0011
☆☆☆☆☆
 $0 $7,150 $685 H2406-072-0
AARP Medicare Advantage Giveback from UHC PA-12
☆☆☆☆☆
 $0 $9,200 $685 H2406-101-0
Aetna Medicare Signature Extra
☆☆☆☆☆
 $0 $7,150 $700 H5521-263-0
Geisinger Gold Preferred Advantage Rx
☆☆☆☆☆
 $123 $4,450 $0 H3924-059-21
Geisinger Gold Preferred Balance Rx
☆☆☆☆☆
 $29 $9,850 $0 H3924-067-0
Geisinger Gold Preferred Complete Rx
☆☆☆☆☆
 $0 $9,850 $700 H3924-065-0
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $8,250 $700 H5525-085-2
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,700 N/A H5216-221-0
Humana USAA Honor Giveback with Rx
☆☆☆☆☆
 $0 $7,350 $700 H5525-059-0
Humana Value Choice
☆☆☆☆☆
 $0 $8,000 $700 H5525-051-1
HumanaChoice Giveback H5216-116
☆☆☆☆☆
 $0 $4,150 N/A H5216-116-0
HumanaChoice H5216-120
☆☆☆☆☆
 $107 $7,600 $700 H5216-120-0
HumanaChoice H5525-005
☆☆☆☆☆
 $39 $8,300 $700 H5525-005-0
HumanaChoice H5525-086
☆☆☆☆☆
 $38 $6,050 $700 H5525-086-2
HumanaChoice R0110-007
☆☆☆☆☆
 $0 $4,750 N/A R0110-007-0
HumanaChoice R0110-008
☆☆☆☆☆
 $75 $7,150 $700 R0110-008-0
DEVOTED CHOICE 007 PA
☆☆☆☆☆
 $0 $7,100 $650 H6018-007-0
DEVOTED CHOICE GIVEBACK 008 PA
☆☆☆☆☆
 $0 $9,850 $461 H6018-008-0
What is the total number of PPO plans offered in Luzerne?

Luzerne County has 34 PPO plans for 2027, with 9,331 enrolled.

How much do PPO plans cost in Luzerne?

The typical PPO premium in Luzerne is $35.09, and 20 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
13
Average Monthly Premium
$21.62/mo
Total HMO Enrollment
12,634
$0 Premium HMO Plans
9
Average MOOP
$7,088
Top HMO by Enrollment
Geisinger Gold Classic 360 Rx (HMO) — 6,696 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Luzerne County, Pennsylvania, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Community Blue Medicare HMO Distinct
☆☆☆☆☆
 $45 $6,550 $700 H3957-049-1
Community Blue Medicare HMO Signature
☆☆☆☆☆
 $0 $7,150 $700 H3957-042-1
UPMC for Life HMO No Rx
☆☆☆☆☆
 $0 $6,500 N/A H3907-002-0
Geisinger Gold Classic 360 Rx
☆☆☆☆☆
 $0 $9,850 $700 H3954-160-0
Geisinger Gold Classic Advantage Rx
☆☆☆☆☆
 $151 $3,450 $0 H3954-157-21
Geisinger Gold Classic Complete Rx
☆☆☆☆☆
 $56 $5,700 $0 H3954-158-14
Geisinger Gold Classic Essential Rx
☆☆☆☆☆
 $0 $7,150 $700 H3954-161-0
Geisinger Gold Heritage
☆☆☆☆☆
 $0 $6,700 N/A H3954-162-0
Geisinger Gold Value Rx
☆☆☆☆☆
 $29 $9,000 $0 H3954-163-0
Humana Gold Plus H6622-036
☆☆☆☆☆
 $0 $8,250 $700 H6622-036-0
DEVOTED CORE 008 PA
☆☆☆☆☆
 $0 $6,750 $650 H6852-008-0
DEVOTED GIVEBACK 009 PA
☆☆☆☆☆
 $0 $8,000 $461 H6852-009-0
DEVOTED GIVEBACK EXTRAS 032 PA
☆☆☆☆☆
 $0 $7,100 $700 H6852-032-0
What is the average monthly premium for HMO plans?
HMO plans in Luzerne cost $21.62 per month on average.
Which HMO plan is most popular in Luzerne?
The most popular HMO plan in Luzerne is Geisinger Gold Classic 360 Rx (HMO), with 6,696 enrollees.
How many HMO plans in Luzerne do not include drug coverage?
There are 2 HMO plans in Luzerne 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 6
  • Average Monthly Premium $9.67/mo
  • Total HMO-POS Enrollment 1,514
  • $0 Premium HMO-POS Plans 5
  • Average MOOP $7,442
  • Top HMO-POS by Enrollment Aetna Medicare Advantra Signature (HMO-POS) — 878 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Luzerne County, Pennsylvania, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC PA-0002
☆☆☆☆☆
 $0 $7,150 $685 H5253-146-0
AARP Medicare Advantage Patriot No Rx PA-MA01
☆☆☆☆☆
 $0 $7,150 N/A H5253-152-0
Aetna Medicare Advantra Eagle Plus
☆☆☆☆☆
 $0 $5,500 N/A H3959-041-0
Aetna Medicare Advantra Enhanced
☆☆☆☆☆
 $58 $7,500 $700 H3959-039-0
Aetna Medicare Advantra Signature
☆☆☆☆☆
 $0 $7,500 $400 H3959-037-0
Wellcare Simple
☆☆☆☆☆
 $0 $9,850 $700 H2915-003-0
What is the total number of HMO-POS plans in Luzerne?

There are 6 HMO-POS plans in 2027, covering 1,514 enrollees.

How much do HMO-POS plans cost in Luzerne?

The average HMO-POS premium in Luzerne is $9.67 per month, with 5 plans offering $0 premiums.

What is the leading HMO-POS plan in Luzerne?

Aetna Medicare Advantra Signature (HMO-POS) is the top HMO-POS in Luzerne, with 878 enrollees.

What is the number of HMO-POS plans without Part D coverage in Luzerne?

2 HMO-POS plans in Luzerne 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
1
Average Monthly Premium
$0.00/mo
Total PFFS Enrollment
210
$0 Premium PFFS Plans
1
Average MOOP
$9,850
Top PFFS by Enrollment
Humana Gold Choice H8145-052 (PFFS) — 210 enrollees
PFFS Plans Without Drug Coverage
0

PFFS Medicare Advantage plan comparison – Luzerne County, Pennsylvania, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-052
☆☆☆☆☆
 $0 $9,850 $700 H8145-052-0

What is the average monthly premium for PFFS plans?

PFFS plans in Luzerne cost $0.00 per month on average.

Which PFFS plan is most popular in Luzerne?

The most popular PFFS plan in Luzerne is Humana Gold Choice H8145-052 (PFFS), with 210 enrollees.

How many PFFS plans in Luzerne do not include drug coverage?

There are 0 PFFS plans in Luzerne without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Luzerne County, PA for 2027.

CMS Star Ratings for Medicare Advantage Plans in Luzerne County, PA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 43 80%
3 Stars 11 20%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 4.04

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Luzerne County, Pennsylvania, including communities such as Hazleton, Drums, Freeland, Sugarloaf, Dallas, Glen Lyon, Harveys Lake, Hunlock Creek, Nanticoke, Nescopeck, Pittston, Duryea, Wyoming, Plymouth, Shickshinny, Sweet Valley, Wapwallopen, White Haven, Wilkes Barre, Kingston, Mountain Top, Shavertown, Luzerne, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .