Medicare Advantage Plans in Spokane County, WA:
Your Complete 2026 Guide
For 2026, residents of Spokane County, WA can choose from 32 Medicare Advantage plan options. Of these, 24 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 43,891, with 50% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Spokane County, WA.
Last update: . Enrollment data last updated: October 13, 2025
* 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
- 14
- Average Premium
- $15.86/mo
- Beneficiaries Enrolled
- 7,300
- $0 Premium PPOs
- 11
- Average MOOP
- $6,871
- Most Popular PPO
- Aetna Medicare Signature Extra (PPO) with 2,364 enrollees
- PPOs Without Drug Coverage
- 5
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC WA-17 | $0 | $6,500 | $520 | |
| Aetna Medicare Eagle | $0 | $5,500 | N/A | |
| Aetna Medicare Enhanced | $48 | $6,900 | $500 | |
| Aetna Medicare Signature Extra | $0 | $6,900 | $615 | |
| Humana USAA Honor Giveback | $0 | $9,150 | N/A | |
| HumanaChoice H7617-016 | $87 | $6,750 | $615 | |
| HumanaChoice H7617-019 | $0 | $7,050 | $350 | |
| AARP Medicare Advantage from UHC WA-0001 | $0 | $7,900 | $600 | |
| Humana USAA Honor Giveback | $0 | $5,100 | N/A | |
| Humana USAA Honor Giveback | $0 | $9,150 | N/A | |
| HumanaChoice H5216-048 | $87 | $6,750 | $615 | |
| HumanaChoice H5216-426 | $0 | $7,050 | $350 | |
| HumanaChoice H5216-428 | $0 | $5,800 | $615 | |
| Wellcare Patriot Giveback Open | $0 | $5,700 | N/A |
What is the average monthly premium for PPO plans in Spokane?
On average, PPO plans in Spokane cost $15.86 per month.
Which PPO plan has the highest enrollment in Spokane?
The most popular PPO in Spokane is Aetna Medicare Signature Extra (PPO), covering 2,364 beneficiaries.
How many PPO plans in Spokane do not include prescription drug coverage?
5 PPO plans available in Spokane 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 9
- Average Premium $14.44/mo
- Beneficiaries Enrolled 8,915
- $0 Premium HMOs 7
- Average MOOP $5,478
- Most Popular HMO Kaiser Permanente Medicare Advantage Centennial (HMO) with 5,506 enrollees
- HMOs Without Drug Coverage 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| Humana Gold Plus Giveback H1036-319 | $0 | $8,800 | $615 | |
| HealthSpring Preferred | $0 | $4,200 | $200 | |
| Kaiser Permanente Medicare Advantage Basic | $0 | $4,200 | N/A | |
| Kaiser Permanente Medicare Advantage Centennial | $0 | $4,950 | $0 | |
| Kaiser Permanente Medicare Advantage Columbia | $67 | $3,950 | $0 | |
| Providence Medicare Pine + Rx | $0 | $6,750 | $195 | |
| Aetna Medicare Signature | $0 | $6,750 | $615 | |
| Humana Gold Plus H5619-061 | $63 | $4,200 | $615 | |
| Humana Gold Plus H5619-143 | $0 | $5,500 | $615 |
What is the top HMO by enrollment in Spokane?
Kaiser Permanente Medicare Advantage Centennial (HMO) is the most popular HMO plan in Spokane, with 5,506 enrollees.
What is the number of HMO plans without Part D coverage in Spokane?
1 HMO plans in Spokane 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
- 7
- Average Premium
- $4.00/mo
- Beneficiaries Enrolled
- 27,676
- $0 Premium HMO-POS
- 6
- Average MOOP
- $6,514
- Most Popular HMO-POS
- AARP Medicare Advantage Essentials from UHC WA-8 (HMO-POS) with 13,067 enrollees
- HMO-POS Without Drug Coverage
- 2
| HMO-POS Plan Name | Rating* | Premium | MOOP | Rx Ded. |
|---|---|---|---|---|
| Providence Medicare Reverence | $0 | $6,750 | N/A | |
| AARP Medicare Advantage Essentials from UHC WA-8 | $0 | $5,500 | $440 | |
| AARP Medicare Advantage Extras from UHC WA-15 | $0 | $6,700 | $520 | |
| AARP Medicare Advantage from UHC WA-0009 | $28 | $4,200 | $355 | |
| AARP Medicare Advantage Patriot No Rx WA-MA02 | $0 | $6,700 | N/A | |
| Wellcare Giveback | $0 | $9,250 | $615 | |
| Wellcare Simple | $0 | $6,500 | $615 |
What is the typical premium for HMO-POS plans in Spokane?
On average, HMO-POS plans in Spokane cost $4.00 per month.
Which HMO-POS plan has the most members in Spokane?
The leading HMO-POS in Spokane is AARP Medicare Advantage Essentials from UHC WA-8 (HMO-POS), with 13,067 members.
How many HMO-POS options are offered without prescription drug coverage in Spokane?
There are 2 HMO-POS plans in Spokane without Part D benefits.
The table below shows the quality ratings for Medicare Advantage plans offered in Spokane County, WA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 14 | 50% |
| 3 Stars | 13 | 46% |
| Below 3 Stars | 1 | 4% |
| Not Rated | 2 | 7% |
| Average Rating | 3.8 | |
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 Airway Heights, Chattaroy, Cheney, Colbert, Deer Park, Elk, Fairchild Air Force Base, Fairfield, Greenacres, Liberty Lake, Mead, Medical Lake, Newman Lake, Nine Mile Falls, Otis Orchards, Rockford, Spangle, Valleyford, Veradale, Spokane, and all other areas of Spokane County, Washington.
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 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 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 October 13, 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 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
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.