Medicare Advantage Plans in St Joseph County, IN:
Your Complete 2026 Guide
In St Joseph County, IN, Medicare beneficiaries have 43 Medicare Advantage plans to consider for 2026. Among them, 29 are offered at a $0 premium. About 20,408 people in the County are currently enrolled, and 33% of plans are rated 4 stars or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for St Joseph County, IN here.
Page last revised:
Enrollment data refreshed: October 13, 2025
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
PPO, or Preferred Provider Organization, plans give Medicare beneficiaries the ability to see a wide range of providers. These plans cover in-network care at the lowest cost but also include the option to use out-of-network providers for a higher fee, offering added choice compared with other plan types.
What is the total number of PPO plans offered in St Joseph?
St Joseph County has 32 PPO plans for 2026, with enrollment of 15,666.
How much do PPO plans cost on average in St Joseph?
The mean monthly PPO premium in St Joseph is $11.96, and 21 plans have no premium.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 10
- Average Premium $5.39/mo
- Beneficiaries Enrolled 4,725
- $0 Premium HMO-POS 8
- Average MOOP $5,410
- Most Popular HMO-POS Anthem Medicare Advantage (HMO-POS) with 2,356 enrollees
- HMO-POS Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC IN-11 | $0 | $5,900 | $520 | |
| AARP Medicare Advantage Extras from UHC IN-16 | $0 | $6,700 | $600 | |
| AARP Medicare Advantage Giveback from UHC IN-20 | $0 | $6,700 | $600 | |
| Anthem Extra Help | $23 | $4,900 | $390 | |
| Anthem Medicare Advantage | $0 | $4,150 | $150 | |
| Aetna Medicare Signature | $0 | $6,750 | $615 | |
| Humana Gold Plus H5619-049 | $0 | $4,250 | $250 | |
| Humana Gold Plus H5619-053 | $0 | $4,850 | $250 | |
| Wellcare Assist | $31 | $5,700 | $560 | |
| Wellcare Simple | $0 | $4,200 | $615 |
What is the total number of HMO-POS plans in St Joseph?
There are 10 HMO-POS plans in 2026, covering 4,725 beneficiaries.
How much do HMO-POS plans cost on average in St Joseph?
The average HMO-POS premium is $5.39, with 8 costing $0.
What is the leading HMO-POS plan in St Joseph?
Anthem Medicare Advantage (HMO-POS) is the most popular HMO-POS plan in St Joseph, with 2,356 enrollees.
What is the number of HMO-POS plans without Part D coverage in St Joseph?
0 HMO-POS plans in St Joseph do not include drug coverage.
Medicare Advantage PFFS Plans
With a PFFS plan, you can see any Medicare-approved provider who agrees to the plan’s conditions and payment structure. These plans offer broader choice compared to network-based options, but coverage depends on provider participation, so always confirm acceptance in advance.
- Total PFFS Plans
- 1
- Average Premium
- $37.00/mo
- Beneficiaries Enrolled
- 17
- $0 Premium PFFS
- 0
- Average MOOP
- $3,950
- Most Popular PFFS
- Humana Gold Choice H8145-032 (PFFS) with 17 enrollees
- PFFS Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Humana Gold Choice H8145-032 | $37 | $3,950 | $300 |
What is the average monthly premium for PFFS plans?
On average, PFFS plans in St Joseph cost $37.00 per month.
Which PFFS plan is most popular in St Joseph?
The leading PFFS plan in St Joseph is Humana Gold Choice H8145-032 (PFFS), with 17 members.
How many PFFS plans in St Joseph do not include drug coverage?
There are 0 PFFS plans in St Joseph without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in St Joseph County, IN for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 13 | 33% |
| 3 Stars | 27 | 68% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 7% |
| Average Rating | 3.64 | |
In St Joseph County, Medicare Advantage enrollment follows specific timelines. Understanding these options—whether it’s your first time enrolling or switching plans—helps you choose coverage that matches your health and budget.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): Each fall, from October 15 to December 7, Medicare beneficiaries can review their coverage and make changes for the next plan year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Granger, Lakeville, Mishawaka, New Carlisle, North Liberty, Notre Dame, Osceola, Walkerton, South Bend, and all other areas of St Joseph County, Indiana.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed October 13, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- 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
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected 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 managed by David Bynon, Medicare Analyst.