Medicare Advantage Plans in Cattaraugus County, NY:
Your Complete 2025 Guide
Cattaraugus County, NY offers 48 Medicare Advantage plans in 2025. This includes 21 with $0 monthly premiums. Currently, about 8,585 beneficiaries in the County are enrolled, and 63% of available plans have a 4-star rating or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Cattaraugus County, NY here.
Page last revised:
Enrollment data refreshed: September 16, 2025
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs may appeal to people who want more choice in doctors and hospitals.
- Total PPO Plans 25
- Average Premium $53.23/mo
- Beneficiaries Enrolled 2,820
- $0 Premium PPOs 8
- Average MOOP $7,050
- Most Popular PPO Freedom Nation (PPO) with 531 enrollees
- PPOs Without Drug Coverage 4
What is the most popular PPO plan in Cattaraugus?
Freedom Nation (PPO) is the top PPO in Cattaraugus, with 531 enrollees.
What is the number of PPO plans without Part D coverage in Cattaraugus?
There are 4 PPO plans in Cattaraugus without prescription drug coverage.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 11
- Average Premium
- $31.64/mo
- Beneficiaries Enrolled
- 4,300
- $0 Premium HMOs
- 7
- Average MOOP
- $7,209
- Most Popular HMO
- BlueSaver (HMO) with 1,108 enrollees
- HMOs Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Highmark Blue Cross Blue Shield or Highmark Blue Shield BlueSaver | $0 | $6,900 | $0 | |
| Independent Health's Encompass 65 | $0 | $6,750 | N/A | |
| Independent Health's Encompass 65 Basic | $134 | $6,750 | $250 | |
| Independent Health's Encompass 65 Core | $73 | $6,750 | $350 | |
| Independent Health's Encompass 65 Direct | $0 | $6,750 | $450 | |
| Senior Blue 601 | $0 | $6,700 | N/A | |
| Senior Blue 651 | $101 | $6,700 | $0 | |
| Senior Blue Basic | $0 | $8,300 | $0 | |
| Senior Blue Select | $40 | $6,700 | $0 | |
| Univera SeniorChoice Basic | $0 | $8,500 | $200 | |
| Univera SeniorChoice Extra | $0 | $8,500 | $350 |
What is the typical premium for HMO plans in Cattaraugus?
On average, HMO plans in Cattaraugus cost $31.64 per month.
Which HMO plan do most beneficiaries choose in Cattaraugus?
The leading HMO in Cattaraugus is BlueSaver (HMO), with 1,108 members.
How many HMO options are offered without prescription drug coverage in Cattaraugus?
There are 2 HMO plans available in Cattaraugus without Part D benefits.
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 $29.66/mo
- Beneficiaries Enrolled 1,465
- $0 Premium HMO-POS 5
- Average MOOP $6,650
- Most Popular HMO-POS AARP Medicare Advantage from UHC NY-0007 (HMO-POS) with 748 enrollees
- HMO-POS Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | |
| MVP Medicare Secure Plus with Part D | $96 | $6,000 | $0 | |
| Univera Medicare Freedom | $0 | $4,500 | N/A | |
| Univera SeniorChoice Advanced | $32 | $7,500 | $100 | |
| Univera SeniorChoice Secure | $72 | $6,000 | $0 | |
| Univera SeniorChoice Value Plus | $57 | $6,700 | $0 | |
| AARP Medicare Advantage from UHC NY-0007 | $0 | $7,900 | $340 | |
| Aetna Medicare Value | $0 | $5,500 | $0 | |
| Wellcare Fidelis Assist | $38 | $6,900 | $460 | |
| Wellcare Fidelis Simple | $0 | $8,300 | $420 |
What is the total number of HMO-POS plans in Cattaraugus?
In 2025, Cattaraugus has 10 HMO-POS plans, with 1,465 enrollees.
How much do HMO-POS plans cost on average in Cattaraugus?
The mean monthly HMO-POS premium is $29.66, and 5 have no premium.
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
- 2
- Average Premium
- $16.00/mo
- Beneficiaries Enrolled
- 0
- $0 Premium PFFS
- 1
- Average MOOP
- $6,700
- Most Popular PFFS
- with 0 enrollees
- PFFS Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Wellcare Advantage Premium Enhanced | $32 | $6,700 | N/A | |
| Wellcare Advantage Simple | $0 | $6,700 | N/A |
- What is the average monthly premium for PFFS plans?
- On average, PFFS plans in Cattaraugus cost $16.00 per month.
- Which PFFS plan is most popular in Cattaraugus?
- The leading PFFS plan in Cattaraugus is , with 0 members.
- How many PFFS plans in Cattaraugus do not include drug coverage?
- There are 2 PFFS plans in Cattaraugus without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in Cattaraugus County, NY for 2025.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 30 | 63% |
| 3 Stars | 14 | 29% |
| Below 3 Stars | 4 | 8% |
| Not Rated | 0 | 0% |
| Average Rating | 3.85 | |
For residents of Cattaraugus County, signing up for a Medicare Advantage plan isn’t just about benefits—it’s about timing. Learning the key enrollment periods ensures you don’t lose access to the coverage that works best for you.
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): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following 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 Delevan, Freedom, Gowanda, Machias, Perrysburg, South Dayton, West Valley, Allegany, Cattaraugus, Conewango Valley, Ellicottville, Franklinville, Great Valley, Hinsdale, Limestone, Little Valley, Olean, Portville, Randolph, Saint Bonaventure, Salamanca, and all other areas of Cattaraugus County, New York.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, 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 13, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed September 13, 2025
- CMS.gov, Plan Benefits Package — Last accessed September 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed September 16, 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.
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — 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.