Medicare Advantage Plans in Saratoga County, NY:
Your Complete 2027 Guide
In Saratoga County, NY, Medicare beneficiaries have 28 Medicare Advantage plans to consider for 2027. Among them, 16 are offered at a $0 premium. About 19,106 people in the County are currently enrolled, and 20% of plans are rated 4 stars or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Saratoga County, NY here. For a broader view beyond Medicare Advantage, see all Medicare coverage options in Saratoga 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 13
- Average Premium $39.54/mo
- Beneficiaries Enrolled 2,752
- $0 Premium PPOs 9
- Average MOOP $9,138
- Most Popular PPO Aetna Medicare Elite (PPO) with 1,253 enrollees
- PPOs Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback | $0 | $9,850 | N/A | H5521 323 0 | |
| Aetna Medicare Elite | $0 | $9,850 | $700 | H5521 119 0 | |
| Aetna Medicare Enhanced | $149 | $9,850 | $700 | H5521 669 0 | |
| MVP Medicare Secure Plus Choice with Part D | $256 | $7,500 | $500 | H9615 025 0 | |
| AARP Medicare Advantage from UHC NY-0015 | $44 | $8,900 | $685 | H3418 004 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 | |
| DEVOTED CHOICE 003 NY | $0 | $9,500 | $650 | H5334 003 0 | |
| DEVOTED CHOICE GIVEBACK 004 NY | $0 | $9,850 | $650 | H5334 004 0 | |
| DEVOTED CHOICE GIVEBACK EXTRAS 029 NY | $0 | $9,750 | $700 | H5334 029 0 |
What is the total number of PPO plans offered in Saratoga?
There are 13 PPO plans in 2027, covering 2,752 beneficiaries.
How much do PPO plans cost on average in Saratoga?
The average PPO premium is $39.54, with 9 costing $0.
What is the most popular PPO plan in Saratoga?
Aetna Medicare Elite (PPO) is the top PPO in Saratoga, with 1,253 enrollees.
What is the number of PPO plans without Part D coverage in Saratoga?
There are 2 PPO plans in Saratoga 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
- 7
- Average Premium
- $70.71/mo
- Beneficiaries Enrolled
- 12,723
- $0 Premium HMOs
- 2
- Average MOOP
- $8,036
- Most Popular HMO
- CDPHP $0 Medicare Rx (HMO) with 7,087 enrollees
- HMOs Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Senior Blue 652 | $122 | $7,150 | $700 | H3384 013 0 | |
| VNS Health EasyCare | $25 | $9,850 | $650 | H5549 012 0 | |
| CDPHP $0 Medicare Rx | $0 | $9,850 | $700 | H3388 014 0 | |
| CDPHP Choice Rx | $139 | $6,400 | $250 | H3388 002 0 | |
| CDPHP Clear Rx | $100 | $6,750 | $500 | H3388 020 0 | |
| CDPHP Core | $0 | $6,400 | N/A | H3388 001 0 | |
| Aetna Medicare Signature | $109 | $9,850 | $700 | H3312 108 0 |
What is the average monthly premium for HMO plans?
On average, HMO plans in Saratoga cost $70.71 per month.
Which HMO plan is most popular in Saratoga?
The leading HMO in Saratoga is CDPHP $0 Medicare Rx (HMO), with 7,087 members.
How many HMO plans in Saratoga do not include drug coverage?
There are 1 HMO plans available in Saratoga without Part D benefits.
Medicare Advantage HMO-POS Plans
With HMO Point-of-Service (HMO-POS) plans, you can enjoy the cost savings of an HMO while still having the flexibility to see out-of-network providers when necessary. Though out-of-network care typically costs more, this type of plan offers a good middle ground for those who want some freedom in their provider choices.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC NY-29 | $39 | $7,150 | $685 | H3379 052 0 | |
| AARP Medicare Advantage Patriot No Rx NY-MA3 | $0 | $7,150 | N/A | H3379 060 0 | |
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | H3305 020 0 | |
| MVP Medicare Secure Plus with Part D | $165 | $6,000 | $500 | H3305 022 0 | |
| MVP Medicare WellValue with Part D | $71 | $9,850 | $700 | H3305 038 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 leading HMO-POS plan in Saratoga?
AARP Medicare Advantage from UHC NY-29 (HMO-POS) is the most popular HMO-POS plan in Saratoga, with 2,285 enrollees.
What is the number of HMO-POS plans without Part D coverage in Saratoga?
3 HMO-POS plans in Saratoga do not include drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Saratoga 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) | 5 | 20% |
| 3 Stars | 20 | 80% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 11% |
| Average Rating | 3.4 | |
In Saratoga 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): 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
How to Sign Up for a Medicare Advantage Plan
- Licensed Agent Assistance: For one-on-one guidance, contact HealthCompare at 1-833-748-3201 (TTY 711). Agents are available Mon-Fri 8AM-10PM, Sat 9AM-8PM EST.
- 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 Ballston Lake, Ballston Spa, Burnt Hills, Clifton Park, Galway, Mechanicville, Rexford, Stillwater, Waterford, South Glens Falls, Corinth, Gansevoort, Greenfield Center, Hadley, Middle Grove, Porter Corners, Saratoga Springs, Schuylerville, and all other areas of Saratoga 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.
- Medicare.gov, "Compare types of Medicare Advantage Plans" — 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 Saratoga 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.