2026 Medicare Advantage Plans in Luzerne County, PA
Last update: . Enrollment data updated: May 2, 2026
In Luzerne County, PA, there are 57 Medicare Advantage plans available for 2026. Of these, 37 offer a $0 monthly premium, and about 65% 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 Luzerne County, PA. Or explore all Medicare Options available in Luzerne County, PA.
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 34
- Average Monthly Premium $35.15/mo
- Total PPO Enrollment 9,318
- $0 Premium PPO Plans 20
- Average MOOP $6,794
- Top PPO by Enrollment Geisinger Gold Preferred Complete Rx (PPO) — 2,299 enrollees
- PPO Plans Without Drug Coverage 6
What is the total number of PPO plans offered in Luzerne?
There are 34 PPO plans in 2026, covering 9,318 beneficiaries.
How much do PPO plans cost in Luzerne?
The average PPO premium in Luzerne is $35.15 per month, with 20 plans offering $0 premiums.
What is the most popular PPO plan in Luzerne?
Geisinger Gold Preferred Complete Rx (PPO) is the top PPO in Luzerne, with 2,299 enrollees.
What is the number of PPO plans without Part D coverage in Luzerne?
There are 6 PPO plans in Luzerne 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
- 12
- Average Monthly Premium
- $19.49/mo
- Total HMO Enrollment
- 12,627
- $0 Premium HMO Plans
- 8
- Average MOOP
- $6,658
- Top HMO by Enrollment
- Geisinger Gold Classic 360 Rx (HMO) — 6,642 enrollees
- HMO Plans Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Community Blue Medicare HMO Distinct | $27 | $6,250 | $615 | H3957-049-1 | |
| Community Blue Medicare HMO Signature | $0 | $6,750 | $615 | H3957-042-1 | |
| Geisinger Gold Classic 360 Rx | $0 | $7,100 | $0 | H3954-160-0 | |
| Geisinger Gold Classic Advantage Rx | $136 | $3,450 | $0 | H3954-157-21 | |
| Geisinger Gold Classic Complete Rx | $48 | $5,700 | $0 | H3954-158-14 | |
| Geisinger Gold Classic Essential Rx | $0 | $6,750 | $0 | H3954-161-0 | |
| Geisinger Gold Heritage | $0 | $6,700 | N/A | H3954-162-0 | |
| Geisinger Gold Value Rx | $23 | $9,250 | $0 | H3954-163-0 | |
| UPMC for Life HMO No Rx | $0 | $6,000 | N/A | H3907-002-0 | |
| Humana Gold Plus H6622-036 | $0 | $8,250 | $615 | H6622-036-0 | |
| DEVOTED CORE 008 PA | $0 | $6,700 | $375 | H6852-008-0 | |
| DEVOTED GIVEBACK 009 PA | $0 | $7,000 | $605 | H6852-009-0 |
What is the average monthly premium for HMO plans?
HMO plans in Luzerne cost $19.49 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 6,642 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 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 |
|---|---|---|---|---|---|
| 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 | |
| Aetna Medicare Advantra Signature | $0 | $7,500 | $615 | H3959-037-0 | |
| 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 |
What is the leading HMO-POS plan in Luzerne?
Aetna Medicare Advantra Signature (HMO-POS) is the top HMO-POS in Luzerne, with 920 enrollees.
What is the number of HMO-POS plans without Part D coverage in Luzerne?
3 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
- 3
- Average Monthly Premium
- $0.00/mo
- Total PFFS Enrollment
- 220
- $0 Premium PFFS Plans
- 3
- Average MOOP
- $5,100
- Top PFFS by Enrollment
- Humana Gold Choice H8145-052 (PFFS) — 201 enrollees
- PFFS Plans Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS 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 typical premium for PFFS plans in Luzerne?
PFFS plans in Luzerne cost $0.00 per month on average.
Which PFFS plan has the most enrollment in Luzerne?
The most popular PFFS plan in Luzerne is Humana Gold Choice H8145-052 (PFFS), with 201 enrollees.
How many PFFS options are available without prescription drug coverage in Luzerne?
There are 2 PFFS plans in Luzerne without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Luzerne County, PA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 36 | 65% |
| 3 Stars | 19 | 35% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 2 | 4% |
| Average Rating | 4.07 | |
* 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 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
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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