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  1. 🏠
  2. Medicare Advantage Plans
  3. Virginia
  4. Fredericksburg City County

2027 Medicare Advantage Plans in Fredericksburg City County, VA

Last update: October 6, 2026.

Fredericksburg City County, VA has 29 Medicare Advantage plans available in 2027. These include 20 plans with no monthly premium, and roughly 72% are rated at least 4 stars based on CMS data.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

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

Average Monthly Premium: $22.45/mo
$0 Premium Plans: 20
Average MOOP: $8,684 ($9,250 max. in 2027)
Star Ratings (Plan Mix): 4+ Stars: 72% · 3 Stars: 28% · Below 3: 0%
Average Part D Deductible: $517.38
Total MA/MAPD Enrollment: 852
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Humana Essentials Plus Giveback (PPO) — 149 enrollees
2. Humana Essentials Plus Giveback (PPO) — 134 enrollees
3. Anthem Medicare Advantage 2 (HMO-POS) — 104 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Fredericksburg City County, VA. Or explore all Medicare Options available in Fredericksburg City County, VA. To understand how local plans fit into the broader market, visit our Virginia 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 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 16
  • Average Monthly Premium $20.25/mo
  • Total PPO Enrollment 539
  • $0 Premium PPO Plans 13
  • Average MOOP $8,931
  • Top PPO by Enrollment Humana Essentials Plus Giveback (PPO) — 149 enrollees
  • PPO Plans Without Drug Coverage 7

Comparison table of 2027 PPO Medicare Advantage Plans available in Fredericksburg City County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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
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 Elite
☆☆☆☆☆
$92 $7,150 $700 H5521-650-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $9,850 $700 H5216-308-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5216-310-0
HumanaChoice H5216-027
☆☆☆☆☆
$74 $9,850 $700 H5216-027-0
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
What is the most popular PPO plan in Fredericksburg City?

Humana Essentials Plus Giveback (PPO) is the top PPO in Fredericksburg City, with 149 enrollees.

What is the number of PPO plans without Part D coverage in Fredericksburg City?

There are 7 PPO plans in Fredericksburg City 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
5
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
61
$0 Premium HMO Plans
5
Average MOOP
$9,060
Top HMO by Enrollment
Humana Total Complete (HMO) — 42 enrollees
HMO Plans Without Drug Coverage
1

Comparison table of 2027 HMO Medicare Advantage Plans available in Fredericksburg City County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Kaiser Permanente Medicare Advantage Liberty
☆☆☆☆☆
$0 $5,900 N/A H2172-005-0
Humana Gold Plus H6622-085
☆☆☆☆☆
$0 $9,850 $400 H6622-085-0
Humana Total Complete
☆☆☆☆☆
$0 $9,850 $700 H6622-091-0
Aetna Medicare Elite Extra
☆☆☆☆☆
$0 $9,850 $700 H3931-143-0
Aetna Medicare Prime Elite
☆☆☆☆☆
$0 $9,850 $700 H3931-198-0

What is the typical premium for HMO plans in Fredericksburg City?

HMO plans in Fredericksburg City cost $0.00 per month on average.

Which HMO plan do most beneficiaries choose in Fredericksburg City?

The most popular HMO plan in Fredericksburg City is Humana Total Complete (HMO), with 42 enrollees.

How many HMO options are offered without prescription drug coverage in Fredericksburg City?

There are 1 HMO plans in Fredericksburg City 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 7
  • Average Monthly Premium $40.57/mo
  • Total HMO-POS Enrollment 234
  • $0 Premium HMO-POS Plans 2
  • Average MOOP $7,686
  • Top HMO-POS by Enrollment Anthem Medicare Advantage 2 (HMO-POS) — 104 enrollees
  • HMO-POS Plans Without Drug Coverage 0

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Fredericksburg City County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Kaiser Permanente Medicare Advantage High VA
☆☆☆☆☆
$145 $6,200 $0 H2172-008-0
Kaiser Permanente Medicare Advantage Standard 1 VA
☆☆☆☆☆
$15 $7,150 $0 H2172-009-0
Kaiser Permanente Medicare Advantage Standard 2 VA
☆☆☆☆☆
$25 $7,400 $0 H2172-023-0
Kaiser Permanente Medicare Advantage Value 2 VA
☆☆☆☆☆
$0 $8,700 $0 H2172-024-0
Aetna Medicare Elite
☆☆☆☆☆
$70 $8,200 $700 H3931-190-0
Anthem Medicare Advantage 2
☆☆☆☆☆
$0 $9,850 $300 H3447-025-0
Anthem Medicare Advantage 3
☆☆☆☆☆
$29 $6,300 $395 H3447-051-0
What is the total number of HMO-POS plans in Fredericksburg City?

In 2027, Fredericksburg City has 7 HMO-POS plans with 234 enrollees.

How much do HMO-POS plans cost in Fredericksburg City?

The typical HMO-POS premium in Fredericksburg City is $40.57, and 2 plans have no monthly premium.

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
$43.00/mo
Total PFFS Enrollment
18
$0 Premium PFFS Plans
0
Average MOOP
$9,850
Top PFFS by Enrollment
Humana Gold Choice H8145-004 (PFFS) — 18 enrollees
PFFS Plans Without Drug Coverage
0

Comparison table of 2027 PFFS Medicare Advantage Plans available in Fredericksburg City County, Virginia
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-004
☆☆☆☆☆
$43 $9,850 $700 H8145-004-0
What is the average monthly premium for PFFS plans?
PFFS plans in Fredericksburg City cost $43.00 per month on average.
Which PFFS plan is most popular in Fredericksburg City?
The most popular PFFS plan in Fredericksburg City is Humana Gold Choice H8145-004 (PFFS), with 18 enrollees.
How many PFFS plans in Fredericksburg City do not include drug coverage?
There are 0 PFFS plans in Fredericksburg City without prescription drug coverage.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Fredericksburg City County, VA for 2027.

CMS Star Ratings for Medicare Advantage Plans in Fredericksburg City County, VA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 21 72%
3 Stars 8 28%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.98

* 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 Fredericksburg City County, Virginia, including communities such as Fredericksburg, 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

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 .

  • CMS.gov, "Medicare Advantage Plan Fact Sheet" — 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

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 documentation is maintained in alignment 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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