2026 Medicare Advantage Plans in Frederick County, VA
Last update: . Enrollment data updated: May 2, 2026
In Frederick County, VA, there are 28 Medicare Advantage plans available for 2026. Of these, 22 offer a $0 monthly premium, and about 36% 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 Frederick County, VA. Or explore all Medicare Options available in Frederick County, VA.
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 20
- Average Monthly Premium $12.03/mo
- Total PPO Enrollment 3,456
- $0 Premium PPO Plans 16
- Average MOOP $7,935
- Top PPO by Enrollment Humana Value Choice H5216-266 (PPO) — 1,012 enrollees
- PPO Plans Without Drug Coverage 8
What is the total number of PPO plans offered in Frederick?
There are 20 PPO plans in 2026, covering 3,456 beneficiaries.
How much do PPO plans cost in Frederick?
The average PPO premium in Frederick is $12.03 per month, with 16 plans offering $0 premiums.
What is the most popular PPO plan in Frederick?
Humana Value Choice H5216-266 (PPO) is the top PPO in Frederick, with 1,012 enrollees.
What is the number of PPO plans without Part D coverage in Frederick?
There are 8 PPO plans in Frederick 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
- 2
- Average Monthly Premium
- $0.00/mo
- Total HMO Enrollment
- 172
- $0 Premium HMO Plans
- 2
- Average MOOP
- $8,425
- Top HMO by Enrollment
- Humana Total Complete H6622-091 (HMO) — 90 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Plus H6622-083 | $0 | $8,950 | $350 | H6622-083-0 | |
| Humana Total Complete H6622-091 | $0 | $7,900 | $450 | H6622-091-0 |
What is the average monthly premium for HMO plans?
HMO plans in Frederick cost $0.00 per month on average.
Which HMO plan is most popular in Frederick?
The most popular HMO plan in Frederick is Humana Total Complete H6622-091 (HMO), with 90 enrollees.
How many HMO plans in Frederick do not include drug coverage?
There are 0 HMO plans in Frederick 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 VA-0010 | $49 | $6,700 | $520 | H5253-089-0 | |
| AARP Medicare Advantage from UHC VA-0014 | $0 | $7,900 | $600 | H5253-120-0 | |
| Anthem Medicare Advantage 2 | $0 | $8,450 | $300 | H3447-025-0 | |
| Anthem Medicare Advantage 3 | $0 | $4,775 | $275 | H3447-050-0 | |
| Aetna Medicare Elite | $60 | $7,900 | $615 | H3931-190-0 | |
| Aetna Medicare Elite | $0 | $9,250 | $615 | H3931-143-0 |
What is the leading HMO-POS plan in Frederick?
Anthem Medicare Advantage 3 (HMO-POS) is the top HMO-POS in Frederick, with 568 enrollees.
What is the number of HMO-POS plans without Part D coverage in Frederick?
0 HMO-POS plans in Frederick do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Frederick County, VA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 10 | 36% |
| 3 Stars | 18 | 64% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.77 | |
* 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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