Medicare Advantage Plans in Niagara County, NY:
Your Complete 2027 Guide
Niagara County, NY offers 36 Medicare Advantage plans in 2027. This includes 19 with $0 monthly premiums. Currently, about 20,892 beneficiaries in the County are enrolled, and 58% 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 Niagara County, NY here. For a broader view beyond Medicare Advantage, see all Medicare coverage options in Niagara County.
Page last revised:
Enrollment data refreshed: October 5, 2026
* 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 12
- Average Premium $21.75/mo
- Beneficiaries Enrolled 5,386
- $0 Premium PPOs 7
- Average MOOP $9,050
- Most Popular PPO Aetna Medicare Enhanced (PPO) with 2,995 enrollees
- PPOs Without Drug Coverage 3
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Freedom Valor | $0 | $6,700 | N/A | H5526 023 0 | |
| Independent Health's Medicare Passport Connect | $81 | $9,850 | $700 | H3344 013 0 | |
| Aetna Medicare Eagle Giveback | $0 | $9,850 | N/A | H5521 323 0 | |
| Aetna Medicare Elite | $35 | $9,850 | $700 | H5521 738 0 | |
| Aetna Medicare Enhanced | $41 | $9,850 | $700 | H5521 381 0 | |
| Aetna Medicare Signature | $0 | $9,850 | $400 | H5521 215 0 | |
| AARP Medicare Advantage from UHC NY-0019 | $39 | $8,900 | $685 | H3418 008 0 | |
| Humana USAA Honor Giveback | $0 | $4,950 | N/A | H5970 016 0 | |
| HumanaChoice H5970-029 | $65 | $9,250 | $700 | H5970 029 0 | |
| Wellcare Assist Open | $0 | $9,850 | $700 | H2775 113 0 | |
| Wellcare Giveback Open | $0 | $9,850 | $700 | H2775 111 0 | |
| Wellcare Simple Open | $0 | $9,850 | $700 | H2775 106 0 |
What is the most popular PPO plan in Niagara?
Aetna Medicare Enhanced (PPO) is the top PPO in Niagara, with 2,995 enrollees.
What is the number of PPO plans without Part D coverage in Niagara?
There are 3 PPO plans in Niagara 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
- $93.09/mo
- Beneficiaries Enrolled
- 9,152
- $0 Premium HMOs
- 4
- Average MOOP
- $7,795
- Most Popular HMO
- Univera SeniorChoice Basic (HMO) with 3,888 enrollees
- HMOs Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Independent Health's Encompass 65 | $0 | $6,750 | N/A | H3362 016 0 | |
| Independent Health's Encompass 65 RED 042 | $49 | $9,850 | $550 | H3362 042 0 | |
| Independent Health's Encompass 65 RED 044 | $110 | $8,000 | $510 | H3362 044 0 | |
| Independent Health's Encompass 65 RED 045 | $286 | $7,000 | $375 | H3362 045 0 | |
| Community Blue Medicare HMO 651 | $118 | $6,700 | $700 | H3384 073 1 | |
| Community Blue Medicare HMO Distinct | $68 | $6,750 | $700 | H3384 070 1 | |
| Community Blue Medicare HMO Signature | $0 | $7,150 | $700 | H3384 069 1 | |
| Community Blue Medicare HMO Standard | $368 | $7,150 | $700 | H3384 072 0 | |
| Senior Blue 601 | $0 | $6,700 | N/A | H3384 022 0 | |
| Univera SeniorChoice Basic | $0 | $9,850 | $700 | H3351 017 0 | |
| VNS Health EasyCare | $25 | $9,850 | $650 | H5549 012 0 |
What is the typical premium for HMO plans in Niagara?
On average, HMO plans in Niagara cost $93.09 per month.
Which HMO plan do most beneficiaries choose in Niagara?
The leading HMO in Niagara is Univera SeniorChoice Basic (HMO), with 3,888 members.
How many HMO options are offered without prescription drug coverage in Niagara?
There are 2 HMO plans available in Niagara 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 13
- Average Premium $59.03/mo
- Beneficiaries Enrolled 6,354
- $0 Premium HMO-POS 8
- Average MOOP $7,977
- Most Popular HMO-POS AARP Medicare Advantage from UHC NY-0007 (HMO-POS) with 3,444 enrollees
- HMO-POS Without Drug Coverage 4
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Univera Medicare Freedom | $0 | $6,500 | N/A | H3351 001 0 | |
| Univera SeniorChoice Advanced | $75 | $7,500 | $300 | H3351 019 0 | |
| Univera SeniorChoice Secure | $105 | $6,000 | $250 | H3351 002 0 | |
| Univera SeniorChoice Value Plus | $93 | $6,700 | $295 | H3351 012 0 | |
| AARP Medicare Advantage from UHC NY-0007 | $0 | $9,300 | $685 | H3379 040 0 | |
| AARP Medicare Advantage Patriot No Rx NY-MA3 | $0 | $7,150 | N/A | H3379 060 0 | |
| MVP Medicare Preferred Gold with Part D | $277 | $6,800 | $400 | H3305 015 0 | |
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | H3305 007 0 | |
| MVP Medicare WellValue with Part D | $217 | $9,850 | $700 | H3305 039 0 | |
| Aetna Medicare Signature | $0 | $7,150 | $700 | H3312 065 0 | |
| Wellcare Fidelis Assist | $0 | $9,850 | $700 | H5599 002 0 | |
| Wellcare Fidelis Patriot Simple | $0 | $9,850 | N/A | H5599 010 0 | |
| Wellcare Fidelis Simple | $0 | $9,850 | $700 | H5599 004 0 |
What is the total number of HMO-POS plans in Niagara?
In 2027, Niagara has 13 HMO-POS plans, with 6,354 enrollees.
How much do HMO-POS plans cost on average in Niagara?
The mean monthly HMO-POS premium is $59.03, and 8 have no premium.
The table below shows the quality ratings for Medicare Advantage plans offered in Niagara County, NY for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 21 | 58% |
| 3 Stars | 15 | 42% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.74 | |
For residents of Niagara 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 1-833-748-3201 (TTY 711), available Mon-Fri 8AM-10PM, Sat 9AM-8PM EST, 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 Appleton, Barker, Burt, Gasport, Lewiston, Lockport, Middleport, Newfane, Niagara University, North Tonawanda, Ransomville, Sanborn, Wilson, Youngstown, Niagara Falls, and all other areas of Niagara County, New York. For a broader view of coverage choices across the state, see Medicare plan options in New York.
Plans Offered through Medicare.org
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, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, 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®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
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
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 2027 Medicare Advantage plans available in Niagara 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.