Medicare Advantage Plans in Cattaraugus County, NY:
Your Complete 2026 Guide
For 2026, residents of Cattaraugus County, NY can choose from 39 Medicare Advantage plan options. Of these, 21 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 8,485, with 56% of plans achieving 4 stars or better. The totals and data on this page do not cover Special Needs Plans. View SNPs available in Cattaraugus County, NY. You can also review all Medicare coverage options available in Cattaraugus County.
- Page Updated
- CMS Quality Ratings
- * CMS reviews Medicare Advantage plans annually with a 5-star rating program. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 14
- Average Premium
- $56.91/mo
- Beneficiaries Enrolled
- 1,645
- $0 Premium PPOs
- 6
- Average MOOP
- $7,968
- Most Popular PPO
- HumanaChoice Giveback H5970-030 (PPO) with 426 enrollees
- PPOs Without Drug Coverage
- 3
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $9,250 | N/A | H5521 323 0 | |
| Forever Blue 751 | $210 | $6,700 | $615 | H5526 004 0 | |
| Forever Blue Value | $152 | $6,700 | $615 | H5526 016 0 | |
| Freedom Valor | $0 | $6,700 | N/A | H5526 023 0 | |
| Independent Health's Medicare Passport Connect | $59 | $9,250 | $615 | H3344 013 0 | |
| AARP Medicare Advantage from UHC NY-0019 | $38 | $8,500 | $600 | H3418 008 0 | |
| MVP Medicare Complete Wellness with Part D | $15 | $9,250 | $615 | H9615 024 0 | |
| Univera SeniorChoice Core | $232 | $4,000 | $615 | H3335 060 0 | |
| Humana USAA Honor Giveback | $0 | $4,950 | N/A | H5970 016 0 | |
| HumanaChoice Giveback H5970-030 | $0 | $9,250 | $615 | H5970 030 0 | |
| HumanaChoice H5970-029 | $32 | $9,250 | $615 | H5970 029 0 | |
| Wellcare Assist Open | $59 | $9,250 | $530 | H2775 113 0 | |
| Wellcare Giveback Open | $0 | $9,250 | $615 | H2775 111 0 | |
| Wellcare Simple Open | $0 | $9,250 | $615 | H2775 106 0 |
What is the typical premium for PPO plans available in Cattaraugus?
On average, PPO plans in Cattaraugus cost $56.91 per month.
Which PPO plan do most beneficiaries choose in Cattaraugus?
The most popular PPO in Cattaraugus is HumanaChoice Giveback H5970-030 (PPO), covering 426 beneficiaries.
How many PPO options are offered without drug coverage in Cattaraugus?
3 PPO plans available in Cattaraugus do not include Part D benefits.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use doctors, hospitals, and other providers within the plan’s network, except in emergencies. Because of this structure, HMOs often come with lower premiums and out-of-pocket costs compared with other plan types.
- Total HMO Plans 11
- Average Premium $43.36/mo
- Beneficiaries Enrolled 3,761
- $0 Premium HMOs 6
- Average MOOP $7,518
- Most Popular HMO Univera SeniorChoice Basic (HMO) with 1,353 enrollees
- HMOs Without Drug Coverage 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Independent Health's Encompass 65 | $0 | $6,750 | N/A | H3362 016 0 | |
| Independent Health's Encompass 65 RED 042 | $40 | $9,250 | $250 | H3362 042 0 | |
| Independent Health's Encompass 65 RED 043 | $190 | $7,000 | $50 | H3362 043 0 | |
| Independent Health's Encompass 65 RED 044 | $95 | $7,500 | $150 | H3362 044 0 | |
| Community Blue Medicare HMO Distinct | $55 | $6,750 | $615 | H3384 070 2 | |
| Community Blue Medicare HMO Merit | $0 | $8,300 | $615 | H3384 071 0 | |
| Community Blue Medicare HMO Signature | $0 | $6,750 | $615 | H3384 069 2 | |
| Senior Blue 601 | $0 | $6,700 | N/A | H3384 022 0 | |
| Senior Blue 651 | $97 | $6,700 | $615 | H3384 019 0 | |
| Univera SeniorChoice Basic | $0 | $8,500 | $615 | H3351 017 0 | |
| Univera SeniorChoice Extra | $0 | $8,500 | $615 | H3351 020 0 |
What is the total number of HMO plans offered in Cattaraugus?
In 2026, Cattaraugus County has 11 HMO plans with 3,761 members.
How much do HMO plans cost on average in Cattaraugus?
The mean monthly HMO premium is $43.36, and 6 have no premium.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, but they also permit some use of out-of-network doctors and hospitals. Those services are generally more expensive, but the added access can be valuable for people who don’t want to be fully limited to a single network.
- Total HMO-POS Plans
- 12
- Average Premium
- $29.36/mo
- Beneficiaries Enrolled
- 3,079
- $0 Premium HMO-POS
- 7
- Average MOOP
- $7,283
- Most Popular HMO-POS
- AARP Medicare Advantage from UHC NY-0007 (HMO-POS) with 1,197 enrollees
- HMO-POS Without Drug Coverage
- 4
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | H3305 020 0 | |
| MVP Medicare Secure Plus with Part D | $116 | $6,000 | $400 | H3305 022 0 | |
| Univera Medicare Freedom | $0 | $4,500 | N/A | H3351 001 0 | |
| Univera SeniorChoice Advanced | $51 | $7,500 | $300 | H3351 019 0 | |
| Univera SeniorChoice Secure | $83 | $6,000 | $250 | H3351 002 0 | |
| Univera SeniorChoice Value Plus | $70 | $6,700 | $295 | H3351 012 0 | |
| AARP Medicare Advantage from UHC NY-0007 | $0 | $8,300 | $440 | H3379 040 0 | |
| AARP Medicare Advantage Patriot No Rx NY-MA3 | $0 | $6,700 | N/A | H3379 060 0 | |
| Aetna Medicare Signature | $0 | $6,750 | $500 | H3312 065 0 | |
| Wellcare Fidelis Assist | $33 | $9,250 | $615 | H5599 002 0 | |
| Wellcare Fidelis Patriot Simple | $0 | $9,250 | N/A | H5599 010 0 | |
| Wellcare Fidelis Simple | $0 | $9,250 | $615 | H5599 004 0 |
- What is the average monthly premium for HMO-POS plans?
- On average, HMO-POS plans in Cattaraugus cost $29.36 per month.
- Which HMO-POS plan is most popular in Cattaraugus?
- The leading HMO-POS in Cattaraugus is AARP Medicare Advantage from UHC NY-0007 (HMO-POS), with 1,197 members.
- How many HMO-POS plans in Cattaraugus do not include drug coverage?
- There are 4 HMO-POS plans in Cattaraugus without Part D benefits.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans let members visit any Medicare-approved provider that accepts the plan’s payment rules and terms. This structure gives you more flexibility in selecting doctors and hospitals, but it’s important to check provider acceptance before receiving care.
- Total PFFS Plans 2
- Average Premium $0.00/mo
- Beneficiaries Enrolled 0
- $0 Premium PFFS 2
- Average MOOP $5,500
- Most Popular PFFS with 0 enrollees
- PFFS Without Drug Coverage 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Wellcare Advantage Enhanced | $0 | $4,300 | N/A | H2816 037 0 | |
| Wellcare Advantage Simple | $0 | $6,700 | N/A | H2816 038 0 |
What is the total number of PFFS plans in Cattaraugus?
There are 2 PFFS plans in 2026, covering 0 beneficiaries.
How much do PFFS plans cost on average in Cattaraugus?
The average PFFS premium is $0.00, with 2 costing $0.
What is the top PFFS plan in Cattaraugus?
is the most popular PFFS plan in Cattaraugus, with 0 enrollees.
What is the number of PFFS plans without Part D coverage in Cattaraugus?
2 PFFS plans in Cattaraugus do not include prescription drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Cattaraugus County, NY for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 4 | 10% |
| 4 Stars (includes 5 Stars) | 22 | 56% |
| 3 Stars | 17 | 44% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.82 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Understanding Enrollment Windows
- Initial Enrollment Period (IEP): Beginning three months before you turn 65 and lasting until three months after, this is the initial chance to join Medicare. You may also select a Medicare Advantage plan if it fits your needs. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Running from January 1 to March 31 each year, this period allows one change to your current Medicare Advantage coverage or a move back to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Certain qualifying events, such as a change in residence or loss of existing coverage, may allow you to enroll in or change Medicare Advantage plans outside of the usual enrollment windows. Learn more
Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Monday–Friday 5am–6pm and Saturday 6am–5pm PST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment 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. For a broader view of coverage choices across the state, see Medicare plan options in New York.
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.gov, Landscape Source Files — Version: 202608
- CMS.gov, Medicare Part C & D Performance — Version: 2026
- CMS.gov, Plan Benefits Package — Version: 2026
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-08
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, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 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 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.
To explore how 2026 Medicare Advantage plans available in Cattaraugus County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
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 independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.