Medicare Advantage plans in Orleans County, NY: what changed for 2027
For 2027, Orleans County in New York has 20 Medicare Advantage plans that include drug coverage, compared with 26 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage20-6 from 2026
Advantage plans without drug coverage9no change
Special Needs Plans15-2 from 2026
$0 premium plans with drug coverage5-2 from 2026
Median out-of-pocket limit$8,4502026: $8,300
Plans rated 4 stars or more13-5 from 2026
10 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 4 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, 7,340 of the 10,204 people eligible for Medicare in Orleans County were enrolled in a Medicare Advantage or other Medicare health plan, 71.9%. A year earlier it was 7,161 of 10,017 (71.5%).
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 (20)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC NY-0007 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $9,300 | 3.5 of 5 |
| Community Blue Medicare HMO Signature (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $0 | $7,150 | 4 of 5 |
| Univera SeniorChoice Basic (HMO) | Excellus Health Plan, Inc | HMO | $0 | $9,850 | 4 of 5 |
| Wellcare Fidelis Assist (HMO-POS) | Wellcare | HMO-POS | $0 | $9,850 | 3 of 5 |
| Wellcare Fidelis Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $9,850 | 3 of 5 |
| AARP Medicare Advantage from UHC NY-0019 (PPO) | UnitedHealthcare | PPO | $39.00 | $8,900 | 3 of 5 |
| Independent Health's Encompass 65 RED 042 (HMO) | Independent Health | HMO | $49.00 | $9,850 | 4.5 of 5 |
| HumanaChoice H5970-029 (PPO) | Humana | PPO | $65.00 | $9,250 | 3 of 5 |
| Univera SeniorChoice Advanced (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | $75.40 | $7,500 | 4 of 5 |
| Community Blue Medicare HMO Distinct (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $80.00 | $6,750 | 4 of 5 |
| Independent Health's Medicare Passport Connect (PPO) | Independent Health | PPO | $81.00 | $9,850 | 4.5 of 5 |
| Univera SeniorChoice Value Plus (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | $93.30 | $6,700 | 4 of 5 |
| Univera SeniorChoice Secure (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | $104.70 | $6,000 | 4 of 5 |
| Aetna Medicare Elite (PPO) | Aetna Medicare | PPO | $109.00 | $9,850 | 4 of 5 |
| Independent Health's Encompass 65 RED 044 (HMO) | Independent Health | HMO | $110.00 | $8,000 | 4.5 of 5 |
| Community Blue Medicare HMO 651 (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $118.00 | $6,700 | 4 of 5 |
| MVP Medicare WellValue with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | $217.00 | $9,850 | 3.5 of 5 |
| MVP Medicare Preferred Gold with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | $277.00 | $6,800 | 3.5 of 5 |
| Independent Health's Encompass 65 RED 045 (HMO) | Independent Health | HMO | $286.00 | $7,000 | 4.5 of 5 |
| Community Blue Medicare HMO Standard (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | $368.00 | $7,150 | 4 of 5 |
Advantage plans without drug coverage for 2027 (9)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $7,150 | 3.5 of 5 |
| Aetna Medicare Eagle Giveback (PPO) | Aetna Medicare | PPO | Not listed | $9,850 | 4 of 5 |
| Freedom Valor (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | Not listed | $6,700 | 4.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $4,950 | 3 of 5 |
| Independent Health's Encompass 65 (HMO) | Independent Health | HMO | Not listed | $6,750 | 4.5 of 5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | Not listed | $7,200 | 3.5 of 5 |
| Senior Blue 601 (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | Not listed | $6,700 | 4 of 5 |
| Univera Medicare Freedom (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | Not listed | $6,500 | 4 of 5 |
| Wellcare Fidelis Patriot Simple (HMO-POS) | Wellcare | HMO-POS | Not listed | $9,850 | 3 of 5 |
Special Needs Plans for 2027 (15)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Elderplan Select (HMO-POS I-SNP) | Elderplan | HMO-POS I-SNP · Institutional | $0 | $9,850 | 3.5 of 5 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| UHC Complete Care NY-30 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $8,900 | 3.5 of 5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Wellcare Fidelis Dual Access (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| Aetna Medicare Longevity (PPO I-SNP) | Aetna Medicare | PPO I-SNP · Institutional | $10.70 | $9,850 | 4 of 5 |
| Univera Medicare Total Care (HMO D-SNP) | Excellus Health Plan Community Care LLC | HMO D-SNP · Dual-Eligible | $18.30 | $9,850 | 3 of 5 |
| UHC Dual Complete NY-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $19.40 | $9,850 | 4.5 of 5 |
| Univera Medicare Dual (HMO D-SNP) | Excellus Health Plan Community Care LLC | HMO D-SNP · Dual-Eligible | $26.60 | $9,850 | 3 of 5 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $31.70 | $9,850 | 4 of 5 |
| Elderplan Advantage For Nursing Home Residents (HMO-POS I-SNP) | Elderplan | HMO-POS I-SNP · Institutional | $33.70 | $9,850 | 3.5 of 5 |
| Independent Health's Medicare Family Choice (HMO I-SNP) | Independent Health | HMO I-SNP · Institutional | $40.00 | $5,000 | 4.5 of 5 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $40.50 | $9,850 | 4 of 5 |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP) | Wellcare | HMO D-SNP · Dual-Eligible | $40.50 | $9,850 | 3 of 5 |
Stand-alone Part D drug plans are offered statewide: see New York 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.