Medicare Advantage plans in Frederick County, MD: what changed for 2027
For 2027, Frederick County in Maryland has 12 Medicare Advantage plans that include drug coverage, compared with 16 in 2026, according to the CMS plan landscape files.
Companies no longer offering Advantage plans here in 2027
- CVS Health Corporation
If you are in one of their plans, you should have received a notice. You can choose a new plan during Open Enrollment, and special enrollment rules can apply when a plan leaves your area.
7 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 1 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 10,939 of the 53,996 people eligible for Medicare in Frederick County were enrolled in a Medicare Advantage or other Medicare health plan, 20.3%. A year earlier it was 10,816 of 51,986 (20.8%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (12)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Alterwood Advantage Select (HMO) | Alterwood Advantage | HMO | $0 | $7,500 | 3.5 of 5 |
| HumanaChoice H5216-376 (PPO) | Humana | PPO | $0 | $8,050 | 4 of 5 |
| HumanaChoice H7617-044 (PPO) | Humana | PPO | $0 | $8,050 | 4.5 of 5 |
| Kaiser Permanente Medicare Advantage Value 1 MD (HMO) | Kaiser Permanente | HMO | $0 | $8,200 | 4.5 of 5 |
| Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS) | Kaiser Permanente | HMO-POS | $32.00 | $7,900 | 4.5 of 5 |
| Alterwood Advantage Choice (HMO) | Alterwood Advantage | HMO | $35.00 | $7,500 | 3.5 of 5 |
| Johns Hopkins Advantage MD (HMO) | Johns Hopkins Advantage MD | HMO | $49.00 | $8,950 | 3.5 of 5 |
| CareFirst BlueCross BlueShield Advantage Signature (PPO) | CareFirst BlueCross BlueShield Medicare Advantage | PPO | $58.00 | $7,151 | 2.5 of 5 |
| HumanaChoice H5216-387 (PPO) | Humana | PPO | $73.00 | $7,550 | 4 of 5 |
| Johns Hopkins Advantage MD (PPO) | Johns Hopkins Advantage MD | PPO | $95.00 | $7,950 | 4 of 5 |
| Kaiser Permanente Medicare Advantage High MD (HMO-POS) | Kaiser Permanente | HMO-POS | $114.00 | $5,700 | 4.5 of 5 |
| Johns Hopkins Advantage MD Plus (PPO) | Johns Hopkins Advantage MD | PPO | $165.00 | $7,550 | 4 of 5 |
Advantage plans without drug coverage for 2027 (5)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Alterwood Advantage Freedom (HMO) | Alterwood Advantage | HMO | Not listed | $6,500 | 3.5 of 5 |
| CareFirst BlueCross BlueShield Advantage Salute (PPO) | CareFirst BlueCross BlueShield Medicare Advantage | PPO | Not listed | $5,900 | 2.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $6,750 | 4 of 5 |
| Johns Hopkins Advantage MD Tribute (HMO) | Johns Hopkins Advantage MD | HMO | Not listed | $7,200 | 3.5 of 5 |
| Kaiser Permanente Medicare Advantage Liberty (HMO) | Kaiser Permanente | HMO | Not listed | $5,900 | 4.5 of 5 |
Special Needs Plans for 2027 (8)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Alterwood Advantage Dual Secure (HMO D-SNP) | Alterwood Advantage | HMO D-SNP · Dual-Eligible | $0 | $9,250 | 3.5 of 5 |
| Alterwood Advantage Dual Value (HMO D-SNP) | Alterwood Advantage | HMO D-SNP · Dual-Eligible | $0 | $9,250 | 3.5 of 5 |
| Kaiser Permanente Dual Complete Plan 1 MD (HMO D-SNP) | Kaiser Permanente | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Kaiser Permanente Dual Essential Plan 1 MD (HMO D-SNP) | Kaiser Permanente | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| UHC Dual Complete MD-S002 (HMO D-SNP) | UnitedHealthcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| UHC Nursing Home Plan EX-F004 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP · Institutional | $0 | $9,850 | 5 of 5 |
| CareFirst BlueCross BlueShield Advantage DualPrime (HMO D-SNP) | CareFirst BlueCross BlueShield Advantage DualPrime | HMO D-SNP · Dual-Eligible | $5.70 | $9,850 | 3 of 5 |
| Johns Hopkins Advantage MD D-SNP (HMO D-SNP) | Johns Hopkins Advantage MD | HMO D-SNP · Dual-Eligible | $7.90 | $9,850 | 3.5 of 5 |
Stand-alone Part D drug plans are offered statewide: see Maryland drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.