Medicare Advantage Plans in Richmond City County, VA:
Your Complete 2027 Guide
For 2027, residents of Richmond City County, VA can choose from 43 Medicare Advantage plan options. Of these, 34 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 9,348, with 70% of plans achieving 4 stars or better. The totals and data on this page do not cover Special Needs Plans. View SNPs available in Richmond City County, VA. You can also review all Medicare coverage options available in Richmond City 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
- 22
- Average Premium
- $18.59/mo
- Beneficiaries Enrolled
- 2,578
- $0 Premium PPOs
- 15
- Average MOOP
- $8,514
- Most Popular PPO
- Humana Essentials Plus Giveback (PPO) with 695 enrollees
- PPOs Without Drug Coverage
- 8
What is the typical premium for PPO plans available in Richmond City?
On average, PPO plans in Richmond City cost $18.59 per month.
Which PPO plan do most beneficiaries choose in Richmond City?
The most popular PPO in Richmond City is Humana Essentials Plus Giveback (PPO), covering 695 beneficiaries.
How many PPO options are offered without drug coverage in Richmond City?
8 PPO plans available in Richmond City 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 $0.00/mo
- Beneficiaries Enrolled 4,099
- $0 Premium HMOs 11
- Average MOOP $7,636
- Most Popular HMO Humana Gold Plus H6622-004 (HMO) with 2,296 enrollees
- HMOs Without Drug Coverage 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Humana Total Complete | $0 | $4,900 | $450 | H1036 333 0 | |
| Humana Gold Plus H5619-157 | $0 | $9,850 | $450 | H5619 157 0 | |
| Humana Gold Plus H6622-004 | $0 | $4,900 | $450 | H6622 004 0 | |
| Humana Gold Plus H6622-085 | $0 | $9,850 | $400 | H6622 085 0 | |
| Humana Total Complete | $0 | $9,850 | $700 | H6622 091 0 | |
| Humana Total Complete | $0 | $9,850 | $450 | H6622 083 0 | |
| Aetna Medicare Prime | $0 | $7,150 | $700 | H3931 162 0 | |
| HealthSpring Preferred Savings | $0 | $6,750 | $400 | H9725 016 0 | |
| DEVOTED CORE 008 VA | $0 | $5,850 | $650 | H6994 008 0 | |
| DEVOTED GIVEBACK 009 VA | $0 | $8,250 | $461 | H6994 009 0 | |
| DEVOTED GIVEBACK EXTRAS 031 VA | $0 | $6,800 | $700 | H6994 031 0 |
What is the total number of HMO plans offered in Richmond City?
In 2027, Richmond City County has 11 HMO plans with 4,099 members.
How much do HMO plans cost on average in Richmond City?
The mean monthly HMO premium is $0.00, and 11 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
- 8
- Average Premium
- $4.50/mo
- Beneficiaries Enrolled
- 2,615
- $0 Premium HMO-POS
- 7
- Average MOOP
- $6,834
- Most Popular HMO-POS
- Anthem Medicare Advantage 4 (HMO-POS) with 1,312 enrollees
- HMO-POS Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Direct OTC from UHC VA-28 | $0 | $6,900 | $685 | H5253 253 0 | |
| AARP Medicare Advantage Direct Plus from UHC VA-24 | $0 | $6,900 | $595 | H5253 246 0 | |
| AARP Medicare Advantage Essentials from UHC VA-11 | $0 | $5,900 | $685 | H5253 258 0 | |
| AARP Medicare Advantage from UHC VA-0012 | $36 | $5,900 | $685 | H5253 259 0 | |
| AARP Medicare Advantage Giveback from UHC VA-13 | $0 | $9,850 | $685 | H5253 119 0 | |
| Anthem Medicare Advantage 3 | $0 | $5,900 | $395 | H3447 049 0 | |
| Anthem Medicare Advantage 4 | $0 | $6,825 | $250 | H3447 039 0 | |
| HealthSpring Premier | $0 | $6,500 | $400 | H9725 018 0 |
- What is the average monthly premium for HMO-POS plans?
- On average, HMO-POS plans in Richmond City cost $4.50 per month.
- Which HMO-POS plan is most popular in Richmond City?
- The leading HMO-POS in Richmond City is Anthem Medicare Advantage 4 (HMO-POS), with 1,312 members.
- How many HMO-POS plans in Richmond City do not include drug coverage?
- There are 0 HMO-POS plans in Richmond City 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 $21.50/mo
- Beneficiaries Enrolled 56
- $0 Premium PFFS 1
- Average MOOP $9,850
- Most Popular PFFS Humana Gold Choice H8145-004 (PFFS) with 56 enrollees
- PFFS Without Drug Coverage 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-004 | $43 | $9,850 | $700 | H8145 004 0 | |
| Humana Gold Choice H8145-042 | $0 | $9,850 | N/A | H8145 042 0 |
What is the total number of PFFS plans in Richmond City?
There are 2 PFFS plans in 2027, covering 56 beneficiaries.
How much do PFFS plans cost on average in Richmond City?
The average PFFS premium is $21.50, with 1 costing $0.
What is the top PFFS plan in Richmond City?
Humana Gold Choice H8145-004 (PFFS) is the most popular PFFS plan in Richmond City, with 56 enrollees.
What is the number of PFFS plans without Part D coverage in Richmond City?
1 PFFS plans in Richmond City do not include prescription drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Richmond City County, VA for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 28 | 70% |
| 3 Stars | 12 | 30% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 7% |
| Average Rating | 3.84 | |
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), Mon-Fri 8AM-10PM, Sat 9AM-8PM EST.
- 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 Richmond, and all other areas of Richmond City County, Virginia. For a broader view of coverage choices across the state, see Medicare plan options in Virginia.
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, "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 2027 Medicare Advantage plans available in Richmond City 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.