Medicare Advantage Plans in Washington County, NY:
Your Complete 2025 Guide
For 2025, residents of Washington County, NY can choose from 38 Medicare Advantage plan options. Of these, 16 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 6,389, with 43% of plans achieving 4 stars or better. The totals and data on this page do not cover Special Needs Plans. View SNPs available in Washington County, NY.
- Page Updated
- Enrollment Data
- August 18, 2025
- 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
- 21
- Average Premium
- $44.78/mo
- Beneficiaries Enrolled
- 2,477
- $0 Premium PPOs
- 9
- Average MOOP
- $7,326
- Most Popular PPO
- MVP Medicare WellSelect with Part D (PPO) with 770 enrollees
- PPOs Without Drug Coverage
- 4
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| Aetna Medicare Eagle | $0 | $8,900 | N/A | |
| Aetna Medicare Elite | $0 | $8,900 | $590 | |
| Aetna Medicare Platinum | $139 | $4,500 | $590 | |
| Aetna Medicare Premier | $31 | $9,350 | $450 | |
| CDPHP Focus | $0 | $6,100 | N/A | |
| CDPHP Vital Rx | $0 | $6,750 | $300 | |
| Complete Rx | $70 | $6,000 | $0 | |
| Forever Blue 770 | $198 | $6,700 | $0 | |
| Humana USAA Honor Giveback | $0 | $4,950 | N/A | |
| HumanaChoice H5970-029 | $28 | $9,350 | $590 | |
| MVP Medicare Patriot Plan with Part D | $44 | $7,900 | $350 | |
| MVP Medicare WellSelect Plus with Part D | $119 | $7,000 | $0 | |
| MVP Medicare WellSelect with Part D | $0 | $7,800 | $350 | |
| AARP Medicare Advantage from UHC NY-0015 | $19 | $7,900 | $495 | |
| UHC Medicare Advantage NY-0021 | $75 | $8,900 | $570 | |
| UHC Medicare Advantage Patriot No Rx NY-MA02 | $0 | $6,700 | N/A | |
| Wellcare Assist Open | $28 | $8,850 | $580 | |
| Wellcare Giveback Open | $0 | $8,850 | $420 | |
| Wellcare Premium Ultra Open | $114 | $3,400 | $420 | |
| Wellcare Simple Open | $0 | $8,850 | $420 | |
| Anthem Medicare Advantage | $75 | $6,200 | $395 |
What is the typical premium for PPO plans available in Washington?
On average, PPO plans in Washington cost $44.78 per month.
Which PPO plan do most beneficiaries choose in Washington?
The most popular PPO in Washington is MVP Medicare WellSelect with Part D (PPO), covering 770 beneficiaries.
How many PPO options are offered without drug coverage in Washington?
4 PPO plans available in Washington 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 7
- Average Premium $49.57/mo
- Beneficiaries Enrolled 2,660
- $0 Premium HMOs 2
- Average MOOP $6,379
- Most Popular HMO CDPHP $0 Medicare Rx (HMO) with 1,145 enrollees
- HMOs Without Drug Coverage 1
| HMO Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| CDPHP $0 Medicare Rx | $0 | $6,750 | $250 | |
| CDPHP Choice Rx | $126 | $6,000 | $0 | |
| CDPHP Core | $15 | $6,100 | N/A | |
| CDPHP Value Rx | $62 | $6,400 | $0 | |
| Freedom Plus | $37 | $6,700 | $0 | |
| Senior Blue 652 | $107 | $6,700 | $0 | |
| EmblemHealth VIP Rx Saver | $0 | $6,000 | $395 |
What is the total number of HMO plans offered in Washington?
In 2025, Washington County has 7 HMO plans with 2,660 members.
How much do HMO plans cost on average in Washington?
The mean monthly HMO premium is $49.57, and 2 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
- 6
- Average Premium
- $22.43/mo
- Beneficiaries Enrolled
- 1,252
- $0 Premium HMO-POS
- 4
- Average MOOP
- $7,492
- Most Popular HMO-POS
- AARP Medicare Advantage from UHC NY-29 (HMO-POS) with 894 enrollees
- HMO-POS Without Drug Coverage
- 1
| HMO-POS Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| MVP Medicare Preferred Gold without Part D | $0 | $7,200 | N/A | |
| MVP Medicare Secure Plus with Part D | $96 | $6,000 | $0 | |
| AARP Medicare Advantage from UHC NY-29 | $0 | $7,200 | $340 | |
| Aetna Medicare Value | $0 | $9,350 | $590 | |
| Wellcare Fidelis Assist | $38 | $6,900 | $460 | |
| Wellcare Fidelis Simple | $0 | $8,300 | $420 |
- What is the average monthly premium for HMO-POS plans?
- On average, HMO-POS plans in Washington cost $22.43 per month.
- Which HMO-POS plan is most popular in Washington?
- The leading HMO-POS in Washington is AARP Medicare Advantage from UHC NY-29 (HMO-POS), with 894 members.
- How many HMO-POS plans in Washington do not include drug coverage?
- There are 1 HMO-POS plans in Washington 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 4
- Average Premium $47.25/mo
- Beneficiaries Enrolled 0
- $0 Premium PFFS 1
- Average MOOP $5,050
- Most Popular PFFS with 0 enrollees
- PFFS Without Drug Coverage 2
| PFFS Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| Wellcare Advantage Premium Enhanced | $32 | $6,700 | N/A | |
| Wellcare Advantage Simple | $0 | $6,700 | N/A | |
| Wellcare Premium Enhanced | $40 | $3,400 | $420 | |
| Wellcare Premium Ultra | $117 | $3,400 | $420 |
What is the total number of PFFS plans in Washington?
There are 4 PFFS plans in 2025, covering 0 beneficiaries.
How much do PFFS plans cost on average in Washington?
The average PFFS premium is $47.25, with 1 costing $0.
What is the top PFFS plan in Washington?
is the most popular PFFS plan in Washington, with 0 enrollees.
What is the number of PFFS plans without Part D coverage in Washington?
2 PFFS plans in Washington do not include prescription drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Washington 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) | 16 | 43% |
| 3 Stars | 17 | 46% |
| Below 3 Stars | 4 | 11% |
| Not Rated | 1 | 3% |
| Average Rating | 3.74 | |
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 Buskirk, Argyle, Cambridge, Comstock, Fort Ann, Fort Edward, Granville, Greenwich, Hudson Falls, Salem, Whitehall, and all other areas of Washington 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 October 15, 2024
- CMS.gov, Medicare Part C & D Performance — Last accessed October 15, 2024
- CMS.gov, Plan Benefits Package — Last accessed October 15, 2024
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
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.