Medicare Advantage plans in St. Lawrence County, NY: what changed for 2027
For 2027, St. Lawrence County in New York has 10 Medicare Advantage plans that include drug coverage, compared with 17 in 2026, according to the CMS plan landscape files.
15 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 5 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, 12,373 of the 25,706 people eligible for Medicare in St. Lawrence County were enrolled in a Medicare Advantage or other Medicare health plan, 48.1%. A year earlier it was 12,261 of 25,450 (48.2%).
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 (10)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Signature (HMO) | Aetna Medicare | HMO | $0 | $9,850 | 3 of 5 |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $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 |
| Medicare Blue Choice 028 (HMO) | Excellus Health Plan, Inc | HMO | $14.00 | $9,850 | 4 of 5 |
| Aetna Medicare Elite (PPO) | Aetna Medicare | PPO | $54.00 | $9,850 | 4 of 5 |
| Aetna Medicare Premier (PPO) | Aetna Medicare | PPO | $60.00 | $9,250 | 4 of 5 |
| HumanaChoice H5970-029 (PPO) | Humana | PPO | $65.00 | $9,250 | 3 of 5 |
| Medicare Blue Choice 029 (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | $85.30 | $8,500 | 4 of 5 |
| Medicare Blue Choice 030 (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | $125.30 | $7,500 | 4 of 5 |
Advantage plans without drug coverage for 2027 (5)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback (PPO) | Aetna Medicare | PPO | Not listed | $9,850 | 4 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $4,950 | 3 of 5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | Not listed | $7,200 | 3.5 of 5 |
| Medicare Blue Choice 031 (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 (11)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Chronic Care Total (HMO C-SNP) | Aetna Medicare | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 3 of 5 |
| Aetna Medicare Full Dual (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3 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 Dual Access Open (PPO D-SNP) | Wellcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3 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 |
| UHC Dual Complete NY-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $19.40 | $9,850 | 4.5 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 |
| 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.