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  1. 🏠
  2. Medicare Advantage Plans
  3. Virginia
  4. Cumberland County

2027 Medicare Advantage Plans in Cumberland County, VA

Last update: October 5, 2026.

For 2027, Cumberland County, VA includes 29 Medicare Advantage plans. Enrollment across these plans totals approximately 661, with 25 $0 premium options and 77% rated 4 stars or higher.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $10.69/mo
  • $0 Premium Plans: 25
  • Average MOOP: $8,547 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 77% · 3 Stars: 23% · Below 3: 0%
  • Average Part D Deductible: $596.48
  • Total MA/MAPD Enrollment: 661
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. Anthem Medicare Advantage 3 (HMO-POS) — 217 enrollees
    2. AARP Medicare Advantage Essentials from UHC VA-6 (PPO) — 77 enrollees
    3. Humana Essentials Plus Giveback (PPO) — 66 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Cumberland County, VA are summarized separately. Visit Medicare Options in Cumberland County, VA to see more options. For a broader perspective, explore Virginia Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

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
20
Average Monthly Premium
$15.50/mo
Total PPO Enrollment
388
$0 Premium PPO Plans
16
Average MOOP
$8,710
Top PPO by Enrollment
AARP Medicare Advantage Essentials from UHC VA-6 (PPO) — 77 enrollees
PPO Plans Without Drug Coverage
8

2027 PPO Medicare Advantage plans in Cumberland County, Virginia (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage Essentials from UHC VA-6
☆☆☆☆☆
$0 $8,900 $685 H2001-098-0
AARP Medicare Advantage Patriot No Rx VA-MA01
☆☆☆☆☆
$0 $8,900 N/A H2001-099-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $9,850 $700 H7617-100-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H7617-101-0
Humana Value Choice
☆☆☆☆☆
$0 $7,150 $450 H7617-098-0
HumanaChoice H7617-125
☆☆☆☆☆
$58 $9,850 $450 H7617-125-0
AARP Medicare Advantage Extras from UHC VA-18
☆☆☆☆☆
$0 $9,300 $685 H2406-125-0
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $6,750 N/A H5521-322-0
Aetna Medicare Enhanced Plus
☆☆☆☆☆
$48 $7,500 $700 H5521-721-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $9,850 $700 H5216-308-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5216-310-0
Humana Value Choice
☆☆☆☆☆
$0 $7,150 $450 H5216-266-0
HumanaChoice H5216-144
☆☆☆☆☆
$46 $9,850 $700 H5216-144-0
HumanaChoice H5216-152
☆☆☆☆☆
$0 $3,400 N/A H5216-152-0
HumanaChoice H5216-363
☆☆☆☆☆
$0 $9,850 $700 H5216-363-0
HumanaChoice H5216-408
☆☆☆☆☆
$0 $9,850 $700 H5216-408-0
Humana Full Access
☆☆☆☆☆
$158 $9,850 $700 R0110-005-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A R0110-006-0
HumanaChoice R0110-004
☆☆☆☆☆
$0 $9,850 N/A R0110-004-0
Anthem Veteran
☆☆☆☆☆
$0 $6,800 N/A H4909-020-0

What is the average monthly premium for PPO plans in Cumberland?

PPO plans in Cumberland cost $15.50 per month on average.

Which PPO plan has the highest enrollment in Cumberland?

The most popular PPO plan in Cumberland is AARP Medicare Advantage Essentials from UHC VA-6 (PPO), with 77 enrollees.

How many PPO plans in Cumberland do not include prescription drug coverage?

8 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 7
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 23
  • $0 Premium HMO Plans 7
  • Average MOOP $8,614
  • Top HMO by Enrollment Humana Total Complete (HMO) — 23 enrollees
  • HMO Plans Without Drug Coverage 0

2027 HMO Medicare Advantage plans in Cumberland County, Virginia (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Plus H5619-157
☆☆☆☆☆
$0 $9,850 $450 H5619-157-0
Humana Gold Plus H6622-085
☆☆☆☆☆
$0 $9,850 $400 H6622-085-0
Humana Total Complete
☆☆☆☆☆
$0 $9,850 $700 H6622-091-0
Humana Total Complete
☆☆☆☆☆
$0 $9,850 $450 H6622-083-0
DEVOTED CORE 008 VA
☆☆☆☆☆
$0 $5,850 $650 H6994-008-0
DEVOTED GIVEBACK 009 VA
☆☆☆☆☆
$0 $8,250 $461 H6994-009-0
DEVOTED GIVEBACK EXTRAS 031 VA
☆☆☆☆☆
$0 $6,800 $700 H6994-031-0
What is the top HMO by enrollment in Cumberland?

Humana Total Complete (HMO) is the top HMO in Cumberland, with 23 enrollees.

What is the number of HMO plans without Part D coverage in Cumberland?

0 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
2
Average Monthly Premium
$0.00/mo
Total HMO-POS Enrollment
250
$0 Premium HMO-POS Plans
2
Average MOOP
$6,675
Top HMO-POS by Enrollment
Anthem Medicare Advantage 3 (HMO-POS) — 217 enrollees
HMO-POS Plans Without Drug Coverage
0

2027 HMO-POS Medicare Advantage plans in Cumberland County, Virginia (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Signature
☆☆☆☆☆
$0 $7,500 $700 H3931-101-0
Anthem Medicare Advantage 3
☆☆☆☆☆
$0 $5,850 $395 H3447-050-0

What is the typical premium for HMO-POS plans in Cumberland?

HMO-POS plans in Cumberland cost $0.00 per month on average.

Which HMO-POS plan has the most members in Cumberland?

The most popular HMO-POS plan in Cumberland is Anthem Medicare Advantage 3 (HMO-POS), with 217 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Cumberland?

There are 0 HMO-POS plans in Cumberland without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Cumberland County, VA (2027) are summarized below.

Medicare Advantage Plan Ratings in Cumberland County, VA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 20 77%
3 Stars 6 23%
Below 3 Stars 0 0%
Not Rated 3 10%
Average Rating 3.96

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Cumberland County, Virginia, including communities such as Cumberland, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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.

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