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2027 Medicare Advantage Plans in Mcdowell County, WV

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In Mcdowell County, WV, there are 36 Medicare Advantage plans available for 2027. Of these, 22 offer a $0 monthly premium, and about 54% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$26.61/mo
Plans with $0 Premium
22
Average MOOP Limit
$7,910 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 54% · 3 Stars: 46% · Below 3: 0%
Average Part D Deductible
$528.04
Total MA/MAPD Enrollment
1,199
Plans with the Highest Enrollment
(as of October 5, 2026)
1. HumanaChoice H5216-425 (PPO) — 161 enrollees
2. Humana Essentials Plus Giveback (PPO) — 158 enrollees
3. Aetna Medicare Advantra Signature (HMO) — 123 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Mcdowell County, WV. Or explore all Medicare Options available in Mcdowell County, WV. To understand how local plans fit into the broader market, visit our West 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
28
Average Monthly Premium
$33.75/mo
Total PPO Enrollment
1,011
$0 Premium PPO Plans
15
Average MOOP
$7,863
Top PPO by Enrollment
HumanaChoice H5216-425 (PPO) — 161 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Mcdowell County, West Virginia, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Peak Advantage Summit
☆☆☆☆☆
 $25 $6,750 $0 H8947-002-1
Peak Advantage Vista
☆☆☆☆☆
 $0 $7,500 $0 H8947-001-1
Humana Essentials Plus Giveback
☆☆☆☆☆
 $0 $9,850 $700 H7617-065-0
Aetna Medicare Advantra Classic Giveback
☆☆☆☆☆
 $0 $9,250 $400 H1608-031-0
Aetna Medicare Advantra Enhanced
☆☆☆☆☆
 $31 $7,150 $700 H5521-727-0
Aetna Medicare Advantra Enhanced Classic
☆☆☆☆☆
 $31 $7,150 $700 H1608-027-0
Aetna Medicare Advantra Signature Classic
☆☆☆☆☆
 $0 $9,850 $400 H1608-040-0
Aetna Medicare Advantra Signature Giveback
☆☆☆☆☆
 $0 $9,250 $400 H5521-729-0
Aetna Medicare Premier
☆☆☆☆☆
 $109 $9,850 $400 H5521-728-0
Aetna Medicare Premier Classic
☆☆☆☆☆
 $109 $9,850 $400 H1608-085-0
Humana Full Access
☆☆☆☆☆
 $121 $7,150 $700 H5216-124-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,500 N/A H5216-225-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,150 N/A H5216-442-0
Humana Value Choice
☆☆☆☆☆
 $0 $9,850 $500 H5216-327-0
HumanaChoice Giveback H5216-328
☆☆☆☆☆
 $0 $9,850 $700 H5216-328-0
HumanaChoice H5216-425
☆☆☆☆☆
 $29 $7,600 $700 H5216-425-0
Complete Blue PPO Distinct
☆☆☆☆☆
 $60 $6,750 $700 H5106-029-3
Complete Blue PPO Signature
☆☆☆☆☆
 $0 $7,150 $700 H5106-030-3
Freedom Blue PPO Standard
☆☆☆☆☆
 $152 $6,500 $700 H5106-034-1
Freedom Blue PPO Valor
☆☆☆☆☆
 $0 $6,000 N/A H5106-038-0
HumanaChoice R0110-007
☆☆☆☆☆
 $0 $4,750 N/A R0110-007-0
HumanaChoice R0110-008
☆☆☆☆☆
 $75 $7,150 $700 R0110-008-0
AARP Medicare Advantage from UHC WV-0001
☆☆☆☆☆
 $85 $7,150 $685 H8211-001-0
AARP Medicare Advantage from UHC WV-0003
☆☆☆☆☆
 $0 $7,150 $685 H8211-006-0
AARP Medicare Advantage from UHC WV-0004
☆☆☆☆☆
 $51 $7,150 $685 H8211-011-0
AARP Medicare Advantage Patriot No Rx WV-MA01
☆☆☆☆☆
 $0 $9,850 N/A H8211-005-0
The Health Plan SecureChoice Optimum
☆☆☆☆☆
 $0 $7,000 $425 H8604-014-2
The Health Plan SecureChoice Reliance
☆☆☆☆☆
 $67 $7,000 $300 H8604-015-0
What is the total number of PPO plans offered in Mcdowell?

Mcdowell County has 28 PPO plans for 2027, with 1,011 enrolled.

How much do PPO plans cost in Mcdowell?

The typical PPO premium in Mcdowell is $33.75, 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
4
Average Monthly Premium
$3.25/mo
Total HMO Enrollment
123
$0 Premium HMO Plans
3
Average MOOP
$7,263
Top HMO by Enrollment
Aetna Medicare Advantra Signature (HMO) — 123 enrollees
HMO Plans Without Drug Coverage
2

HMO Medicare Advantage plan comparison – Mcdowell County, West Virginia, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Advantra Eagle Plus
☆☆☆☆☆
 $0 $6,900 N/A H1692-006-0
Aetna Medicare Advantra Signature
☆☆☆☆☆
 $0 $7,150 $400 H1692-002-0
The Health Plan SecureCare - Option II
☆☆☆☆☆
 $13 $7,500 $395 H3672-020-0
The Health Plan SecureCare Integrity Plan 1
☆☆☆☆☆
 $0 $7,500 N/A H3672-021-0
What is the average monthly premium for HMO plans?
HMO plans in Mcdowell cost $3.25 per month on average.
Which HMO plan is most popular in Mcdowell?
The most popular HMO plan in Mcdowell is Aetna Medicare Advantra Signature (HMO), with 123 enrollees.
How many HMO plans in Mcdowell do not include drug coverage?
There are 2 HMO plans in Mcdowell 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 3
  • Average Monthly Premium $0.00/mo
  • Total HMO-POS Enrollment 0
  • $0 Premium HMO-POS Plans 3
  • Average MOOP $8,567
  • Top HMO-POS by Enrollment — 0 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Mcdowell County, West Virginia, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC WV-5
☆☆☆☆☆
 $0 $7,150 $685 H4604-033-0
AARP Medicare Advantage Patriot No Rx WV-MA2
☆☆☆☆☆
 $0 $9,300 N/A H4604-036-0
Wellpoint Medicare Advantage
☆☆☆☆☆
 $0 $9,250 $325 H1212-003-0
What is the total number of HMO-POS plans in Mcdowell?

There are 3 HMO-POS plans in 2027, covering 0 enrollees.

How much do HMO-POS plans cost in Mcdowell?

The average HMO-POS premium in Mcdowell is $0.00 per month, with 3 plans offering $0 premiums.

What is the leading HMO-POS plan in Mcdowell?

is the top HMO-POS in Mcdowell, with 0 enrollees.

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

1 HMO-POS plans in Mcdowell 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
1
Average Monthly Premium
$0.00/mo
Total PFFS Enrollment
65
$0 Premium PFFS Plans
1
Average MOOP
$9,850
Top PFFS by Enrollment
Humana Gold Choice H8145-052 (PFFS) — 65 enrollees
PFFS Plans Without Drug Coverage
0

PFFS Medicare Advantage plan comparison – Mcdowell County, West Virginia, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-052
☆☆☆☆☆
 $0 $9,850 $700 H8145-052-0

What is the average monthly premium for PFFS plans?

PFFS plans in Mcdowell cost $0.00 per month on average.

Which PFFS plan is most popular in Mcdowell?

The most popular PFFS plan in Mcdowell is Humana Gold Choice H8145-052 (PFFS), with 65 enrollees.

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

There are 0 PFFS plans in Mcdowell without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Mcdowell County, WV (2027)
Rating Category Number of Plans Percent of Plans
5 Stars 2 6%
4 Stars (includes 5 Stars) 19 54%
3 Stars 16 46%
Below 3 Stars 0 0%
Not Rated 1 3%
Average Rating 3.76

* 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 Mcdowell County, West Virginia, including communities such as Welch, Iaeger, Northfork, War, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .