Medicare Advantage Plans in Bedford County, PA:
Your Complete 2026 Guide
For 2026, residents of Bedford County, PA can choose from 53 Medicare Advantage plan options. Of these, 30 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 7,020, with 71% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Bedford County, PA.
Last update: . Enrollment data last updated: May 2, 2026
* CMS rates Medicare Advantage plans annually using a 5-star system. 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
- 27
- Average Premium
- $36.48/mo
- Beneficiaries Enrolled
- 1,455
- $0 Premium PPOs
- 16
- Average MOOP
- $6,770
- Most Popular PPO
- UPMC for Life PPO Premier Rx (PPO) with 272 enrollees
- PPOs Without Drug Coverage
- 5
What is the average monthly premium for PPO plans in Bedford?
On average, PPO plans in Bedford cost $36.48 per month.
Which PPO plan has the highest enrollment in Bedford?
The most popular PPO in Bedford is UPMC for Life PPO Premier Rx (PPO), covering 272 beneficiaries.
How many PPO plans in Bedford do not include prescription drug coverage?
5 PPO plans available in Bedford 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 12
- Average Premium $41.83/mo
- Beneficiaries Enrolled 4,561
- $0 Premium HMOs 6
- Average MOOP $6,629
- Most Popular HMO UPMC for Life HMO Rx Choice (HMO) with 1,437 enrollees
- HMOs Without Drug Coverage 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Community Blue Medicare HMO Signature | $0 | $6,500 | $615 | H3957 047 5 | |
| Complete Blue HMO Distinct | $25 | $5,900 | $615 | H3957 050 5 | |
| Geisinger Gold Heritage | $0 | $6,700 | N/A | H3954 162 0 | |
| Geisinger Gold Value Rx | $23 | $9,250 | $0 | H3954 163 0 | |
| UPMC for Life HMO Deductible Rx | $22 | $6,000 | $175 | H3907 037 0 | |
| UPMC for Life HMO No Rx | $0 | $6,000 | N/A | H3907 002 0 | |
| UPMC for Life HMO Premier Rx | $0 | $6,000 | $350 | H3907 059 1 | |
| UPMC for Life HMO Rx | $97 | $4,500 | $0 | H3907 058 2 | |
| UPMC for Life HMO Rx Choice | $40 | $6,000 | $175 | H3907 057 5 | |
| UPMC for Life HMO Rx Enhanced | $295 | $7,550 | $0 | H3907 006 0 | |
| DEVOTED CORE 014 PA | $0 | $5,900 | $375 | H6852 014 0 | |
| DEVOTED GIVEBACK 015 PA | $0 | $9,250 | $605 | H6852 015 0 |
What is the top HMO by enrollment in Bedford?
UPMC for Life HMO Rx Choice (HMO) is the most popular HMO plan in Bedford, with 1,437 enrollees.
What is the number of HMO plans without Part D coverage in Bedford?
2 HMO plans in Bedford do not include prescription drug coverage.
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
- 13
- Average Premium
- $29.13/mo
- Beneficiaries Enrolled
- 1,004
- $0 Premium HMO-POS
- 7
- Average MOOP
- $5,842
- Most Popular HMO-POS
- Aetna Medicare Advantra Signature Plus (HMO-POS) with 296 enrollees
- HMO-POS Without Drug Coverage
- 4
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Security Blue HMO-POS Basic | $0 | $5,900 | N/A | H3957 043 2 | |
| Security Blue HMO-POS Deluxe | $138 | $4,500 | $0 | H3957 046 2 | |
| Security Blue HMO-POS Standard | $104 | $5,000 | $0 | H3957 045 2 | |
| Security Blue HMO-POS ValueRx | $36 | $5,500 | $0 | H3957 044 1 | |
| AARP Medicare Advantage from UHC PA-0002 | $0 | $6,700 | $440 | H5253 146 0 | |
| AARP Medicare Advantage from UHC PA-0003 | $39 | $5,900 | $440 | H5253 147 0 | |
| AARP Medicare Advantage Patriot No Rx PA-MA01 | $0 | $6,700 | N/A | H5253 152 0 | |
| Aetna Medicare Advantra Eagle Plus | $0 | $5,500 | N/A | H3959 041 0 | |
| Aetna Medicare Advantra Premier | $29 | $5,500 | $615 | H3959 002 0 | |
| Aetna Medicare Advantra Signature Plus | $0 | $5,500 | $500 | H3959 011 0 | |
| Wellcare Assist | $33 | $5,500 | $475 | H2915 011 0 | |
| Wellcare Patriot Giveback | $0 | $7,550 | N/A | H2915 013 0 | |
| Wellcare Simple | $0 | $6,200 | $615 | H2915 003 0 |
What is the typical premium for HMO-POS plans in Bedford?
On average, HMO-POS plans in Bedford cost $29.13 per month.
Which HMO-POS plan has the most members in Bedford?
The leading HMO-POS in Bedford is Aetna Medicare Advantra Signature Plus (HMO-POS), with 296 members.
How many HMO-POS options are offered without prescription drug coverage in Bedford?
There are 4 HMO-POS plans in Bedford without Part D benefits.
Medicare Advantage PFFS Plans
PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-163 | $0 | $1,500 | N/A | H8145 163 0 |
What is the total number of PFFS plans in Bedford?
In 2026, Bedford has 1 PFFS plans with 0 members.
How much do PFFS plans cost on average in Bedford?
The mean monthly PFFS premium is $0.00, and 1 have no premium.
The table below shows the quality ratings for Medicare Advantage plans offered in Bedford County, PA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 36 | 71% |
| 3 Stars | 15 | 29% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 2 | 4% |
| Average Rating | 4.12 | |
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.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return 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: You may enroll through a plan provider’s website or speak with their customer support staff to complete your application.
- Use Medicare.gov: Visit Medicare.gov to shop for plans, review benefits, and submit your enrollment electronically.
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 Alum Bank, Bedford, Breezewood, Clearville, Everett, Hyndman, Manns Choice, New Paris, Schellsburg, Hopewell, Imler, New Enterprise, Osterburg, Saxton, Woodbury, and all other areas of Bedford County, Pennsylvania.
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 — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed May 2, 2026
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, "Compare Original Medicare & Medicare Advantage" — 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 Bedford 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, Medicare Technical Operator, using a standardized, data-driven methodology designed for accurate, non-commercial Medicare plan interpretation and resolution.