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

2027 Medicare Advantage Plans in Richmond County, VA

Last update: November 7, 2026.

In Richmond County, VA, there are 24 Medicare Advantage plans available for 2027. Of these, 19 offer a $0 monthly premium, and about 75% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$17.17/mo
Plans with $0 Premium
19
Average MOOP Limit
$8,606 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 75% · 3 Stars: 25% · Below 3: 0%
Average Part D Deductible
$604.33
Total MA/MAPD Enrollment
342
Plans with the Highest Enrollment
(as of November 10, 2026)
1. Anthem Medicare Advantage 3 (HMO-POS) — 86 enrollees
2. Humana Essentials Plus Giveback (PPO) — 78 enrollees
3. Aetna Medicare Signature Plus (HMO-POS) — 51 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Richmond County, VA. Or explore all Medicare Options available in Richmond 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 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
19
Average Monthly Premium
$19.42/mo
Total PPO Enrollment
193
$0 Premium PPO Plans
15
Average MOOP
$8,629
Top PPO by Enrollment
Humana Essentials Plus Giveback (PPO) — 78 enrollees
PPO Plans Without Drug Coverage
8

PPO Medicare Advantage plan comparison – Richmond County, Virginia, 2027
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
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 Elite
☆☆☆☆☆
$0 $7,500 $700 H5521-395-0
Aetna Medicare Premier
☆☆☆☆☆
$79 $6,750 $700 H5521-652-0
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
Anthem Veteran
☆☆☆☆☆
$0 $6,800 N/A H4909-020-0
What is the total number of PPO plans offered in Richmond?

Richmond County has 19 PPO plans for 2027, with 193 enrolled.

How much do PPO plans cost in Richmond?

The typical PPO premium in Richmond is $19.42, and 15 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
1
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
12
$0 Premium HMO Plans
1
Average MOOP
$9,850
Top HMO by Enrollment
Humana Gold Plus H6622-085 (HMO) — 12 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Richmond County, Virginia, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H6622-085
☆☆☆☆☆
$0 $9,850 $400 H6622-085-0
What is the average monthly premium for HMO plans?
HMO plans in Richmond cost $0.00 per month on average.
Which HMO plan is most popular in Richmond?
The most popular HMO plan in Richmond is Humana Gold Plus H6622-085 (HMO), with 12 enrollees.
How many HMO plans in Richmond do not include drug coverage?
There are 0 HMO plans in Richmond 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 2
  • Average Monthly Premium $0.00/mo
  • Total HMO-POS Enrollment 137
  • $0 Premium HMO-POS Plans 2
  • Average MOOP $6,525
  • Top HMO-POS by Enrollment Anthem Medicare Advantage 3 (HMO-POS) — 86 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Richmond County, Virginia, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Signature Plus
☆☆☆☆☆
$0 $7,150 $400 H3931-100-0
Anthem Medicare Advantage 3
☆☆☆☆☆
$0 $5,900 $395 H3447-049-0
What is the total number of HMO-POS plans in Richmond?

There are 2 HMO-POS plans in 2027, covering 137 enrollees.

How much do HMO-POS plans cost in Richmond?

The average HMO-POS premium in Richmond is $0.00 per month, with 2 plans offering $0 premiums.

What is the leading HMO-POS plan in Richmond?

Anthem Medicare Advantage 3 (HMO-POS) is the top HMO-POS in Richmond, with 86 enrollees.

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

0 HMO-POS plans in Richmond 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
2
Average Monthly Premium
$21.50/mo
Total PFFS Enrollment
0
$0 Premium PFFS Plans
1
Average MOOP
$9,850
Top PFFS by Enrollment
— 0 enrollees
PFFS Plans Without Drug Coverage
1

PFFS Medicare Advantage plan comparison – Richmond County, Virginia, 2027
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
Humana Gold Choice H8145-042
☆☆☆☆☆
$0 $9,850 N/A H8145-042-0

What is the average monthly premium for PFFS plans?

PFFS plans in Richmond cost $21.50 per month on average.

Which PFFS plan is most popular in Richmond?

The most popular PFFS plan in Richmond is , with 0 enrollees.

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

There are 1 PFFS plans in Richmond without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Richmond County, VA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 18 75%
3 Stars 6 25%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.96

* 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 Richmond County, Virginia, including communities such as Farnham, Warsaw, 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: 2026-10

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 .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — 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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