Medicare plans
Schenectady County, NY
57 Medicare Advantage plans and 9 drug-only plans are offered in Schenectady County, NY for 2027. 29 of the Advantage plans have a $0 monthly premium.
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Plans by type
| Type | Plans |
|---|---|
| Advantage | 7 |
| Advantage with drugs | 50 |
| Drug only | 9 |
| All plans | 66 |
26 of these are Special Needs Plans, open only to people who qualify. The 9 drug-only plans are listed for all of New York.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Premiums and out-of-pocket limits
| Measure | 2027 |
|---|---|
| Advantage monthly premium | $0 to $256 |
| Advantage plans at $0 | 29 |
| Advantage out-of-pocket maximum (in network) | $0 to $9,850 |
| Drug-only monthly premium | $37.30 to $238.30 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Star Ratings
| Overall rating | Advantage plans |
|---|---|
| 3 stars | 21 |
| 3.5 stars | 13 |
| 4 stars | 12 |
| 4.5 stars | 1 |
| 5 stars | 1 |
| Too new to rate | 6 |
| Not enough data | 3 |
14 Advantage plans in Schenectady County, NY have an overall rating of 4 stars or more.
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Change from 2026
Schenectady County, NY has 57 Advantage plans in 2027, 3 fewer than 2026 (60). 14 plans are new to the county and 17 plans offered here in 2026 are gone. $0 plans go from 23 to 29.
| Advantage plans | 2026 | 2027 |
|---|---|---|
| Offered in the county | 60 | 57 |
| At a $0 premium | 23 | 29 |
| New for 2027 | 14 | |
| Offered in 2026, gone in 2027 | 17 |
Offered here in 2026, not in 2027
- Wellcare Premium Ultra (PFFS) (H2816-013, Centene Corporation)
- Wellcare Premium Enhanced (PFFS) (H2816-019, Centene Corporation)
- Wellcare Advantage Enhanced (PFFS) (H2816-037, Centene Corporation)
- Wellcare Advantage Simple (PFFS) (H2816-038, Centene Corporation)
- Aetna Medicare Signature (HMO) (H3312-062, CVS Health Corporation)
- Aetna Medicare Partial Dual (HMO D-SNP) (H3312-089, CVS Health Corporation)
- EmblemHealth VIP Value (HMO-POS) (H3330-048, EmblemHealth, Inc.)
- Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) (H3533-002, Humana Inc.)
- Wellcare Patriot Simple (HMO-POS) (H4868-003, Centene Corporation)
- Wellcare Dual Access (HMO D-SNP) (H4868-004, Centene Corporation)
- Wellcare Simple (HMO-POS) (H4868-019, Centene Corporation)
- Forever Blue 770 (PPO) (H5526-018, Highmark Health)
- Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) (H5599-013, Centene Corporation)
- HumanaChoice SNP-DE H5970-020 (PPO D-SNP) (H5970-020, Humana Inc.)
- HumanaChoice Giveback H5970-030 (PPO) (H5970-030, Humana Inc.)
- EmblemHealth VIP Dual (HMO D-SNP) (H5991-012, EmblemHealth, Inc.)
- MVP Medicare Complete Wellness with Part D (PPO) (H9615-024, MVP Health Care, Inc.)
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Plans by parent organization
| Parent organization | Advantage | Drug only | Total |
|---|---|---|---|
| Centene Corporation | 10 | 2 | 12 |
| CVS Health Corporation | 7 | 1 | 8 |
| Devoted Health, Inc. | 6 | 0 | 6 |
| Elevance Health, Inc. | 1 | 0 | 1 |
| Hamaspik of Rockland County, Inc. | 1 | 0 | 1 |
| Health Care Service Corporation | 0 | 1 | 1 |
| Highmark Health | 1 | 0 | 1 |
| Humana Inc. | 3 | 3 | 6 |
| Lifetime Healthcare, Inc. | 4 | 0 | 4 |
| MVP Health Care, Inc. | 6 | 0 | 6 |
| Trinity Health Corporation | 3 | 0 | 3 |
| UnitedHealth Group, Inc. | 9 | 2 | 11 |
| VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | 3 | 0 | 3 |
| Visiting Nurse Service of New York | 3 | 0 | 3 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Every 2027 plan in Schenectady County, NY
66 plans, by plan name. Select a column to sort.
| Plan ↑ | Type | Premium | Out-of-pocket max | Drug deductible | Stars |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC NY-0015 (PPO)H3418-004-0 · UnitedHealth Group, Inc. | Advantage with drugsPPO | $44 | $8,900 | $685 | 3 |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS)H3379-052-0 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS | $39 | $7,150 | $685 | 3.5 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS)H3379-060-0 · UnitedHealth Group, Inc. | AdvantageHMO-POS | $0 | $7,150 | n/a | 3.5 |
| AARP Medicare Rx Preferred from UHC (PDP)S5921-382-0 · UnitedHealth Group, Inc. | Drug onlyPDP | $238.30 | n/a | $300 | 3 |
| AARP Medicare Rx Saver from UHC (PDP)S5921-379-0 · UnitedHealth Group, Inc. | Drug onlyPDP | $174.50 | n/a | $700 | 3 |
| Aetna Medicare Chronic Care Total (HMO C-SNP)H3312-112-0 · CVS Health Corporation | Advantage with drugsHMO C-SNP | $0 | $9,850 | $700 | 3 |
| Aetna Medicare Eagle Giveback (PPO)H5521-323-0 · CVS Health Corporation | AdvantagePPO | $0 | $9,850 | n/a | 4 |
| Aetna Medicare Elite (PPO)H5521-119-0 · CVS Health Corporation | Advantage with drugsPPO | $0 | $9,850 | $700 | 4 |
| Aetna Medicare Enhanced (PPO)H5521-669-0 · CVS Health Corporation | Advantage with drugsPPO | $149 | $9,850 | $700 | 4 |
| Aetna Medicare Full Dual (HMO D-SNP)H3312-070-0 · CVS Health Corporation | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 3 |
| Aetna Medicare Longevity (PPO I-SNP)H5521-461-0 · CVS Health Corporation | Advantage with drugsPPO I-SNP | $10.70 | $9,850 | $700 | 4 |
| Aetna Medicare Signature (HMO)H3312-108-0 · CVS Health Corporation | Advantage with drugsHMO | $109 | $9,850 | $700 | 3 |
| Anthem HealthPlus Full Dual Advantage (HMO D-SNP)H8432-043-0 · Elevance Health, Inc. | Advantage with drugsHMO D-SNP | $40.50 | $9,850 | $700 | 3 |
| CDPHP $0 Medicare Rx (HMO)H3388-014-0 · Lifetime Healthcare, Inc. | Advantage with drugsHMO | $0 | $9,850 | $700 | 3.5 |
| CDPHP Choice Rx (HMO)H3388-002-0 · Lifetime Healthcare, Inc. | Advantage with drugsHMO | $139 | $6,400 | $250 | 3.5 |
| CDPHP Clear Rx (HMO)H3388-020-0 · Lifetime Healthcare, Inc. | Advantage with drugsHMO | $100 | $6,750 | $500 | 3.5 |
| CDPHP Core (HMO)H3388-001-0 · Lifetime Healthcare, Inc. | AdvantageHMO | $15 | $6,400 | n/a | 3.5 |
| DEVOTED C-SNP CHOICE ENHANCED 017 NY (PPO C-SNP)H5334-017-0 · Devoted Health, Inc. | Advantage with drugsPPO C-SNP | $0 | $9,850 | $650 | Too new to rate |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 023 NY (PPO C-SNP)H5334-023-0 · Devoted Health, Inc. | Advantage with drugsPPO C-SNP | $0 | $9,750 | $700 | Too new to rate |
| DEVOTED C-SNP CHOICE PLUS 015 NY (PPO C-SNP)H5334-015-0 · Devoted Health, Inc. | Advantage with drugsPPO C-SNP | $0 | $9,850 | $650 | Too new to rate |
| DEVOTED CHOICE 003 NY (PPO)H5334-003-0 · Devoted Health, Inc. | Advantage with drugsPPO | $0 | $9,500 | $650 | Too new to rate |
| DEVOTED CHOICE GIVEBACK 004 NY (PPO)H5334-004-0 · Devoted Health, Inc. | Advantage with drugsPPO | $0 | $9,850 | $650 | Too new to rate |
| DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO)H5334-029-0 · Devoted Health, Inc. | Advantage with drugsPPO | $0 | $9,750 | $700 | Too new to rate |
| Hamaspik Medicare Select (HMO D-SNP)H0034-001-0 · Hamaspik of Rockland County, Inc. | Advantage with drugsHMO D-SNP | $40.40 | $9,850 | $700 | 4 |
| HealthSpring Assurance Rx (PDP)S5715-024-0 · Health Care Service Corporation | Drug onlyPDP | $40.50 | n/a | $700 | 2.5 |
| Humana Basic Rx Plan (PDP)S5884-216-0 · Humana Inc. | Drug onlyPDP | $169.60 | n/a | $700 | 4.5 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP)H3533-036-1 · Humana Inc. | Advantage with drugsHMO D-SNP | $0 | $9,850 | $700 | 3 |
| Humana Premier Rx Plan (PDP)S5884-217-0 · Humana Inc. | Drug onlyPDP | $169.30 | n/a | $350 | 4.5 |
| Humana USAA Honor Giveback (PPO)H5970-016-0 · Humana Inc. | AdvantagePPO | $0 | $4,950 | n/a | 3 |
| Humana Value Rx Plan (PDP)S5884-218-0 · Humana Inc. | Drug onlyPDP | $177.20 | n/a | $687 | 4.5 |
| HumanaChoice H5970-029 (PPO)H5970-029-0 · Humana Inc. | Advantage with drugsPPO | $65 | $9,250 | $700 | 3 |
| MVP DualAccess (HMO D-SNP)H3305-033-0 · MVP Health Care, Inc. | Advantage with drugsHMO D-SNP | $13.10 | $9,820 | $700 | 3.5 |
| MVP DualAccess Complete (HMO D-SNP)H3305-034-0 · MVP Health Care, Inc. | Advantage with drugsHMO D-SNP | $22.20 | $9,850 | $700 | 3.5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS)H3305-020-0 · MVP Health Care, Inc. | AdvantageHMO-POS | $0 | $7,200 | n/a | 3.5 |
| MVP Medicare Secure Plus Choice with Part D (PPO)H9615-025-0 · MVP Health Care, Inc. | Advantage with drugsPPO | $256 | $7,500 | $500 | 3.5 |
| MVP Medicare Secure Plus with Part D (HMO-POS)H3305-022-0 · MVP Health Care, Inc. | Advantage with drugsHMO-POS | $165 | $6,000 | $500 | 3.5 |
| MVP Medicare WellValue with Part D (HMO-POS)H3305-038-0 · MVP Health Care, Inc. | Advantage with drugsHMO-POS | $71 | $9,850 | $700 | 3.5 |
| Nascentia Dual Advantage (HMO D-SNP)H9066-003-0 · VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | Advantage with drugsHMO D-SNP | $27 | $9,850 | $700 | Not enough data |
| Nascentia Medicaid Advantage Plus (HMO D-SNP)H9066-001-0 · VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | Advantage with drugsHMO D-SNP | $30.30 | $9,850 | $700 | Not enough data |
| Nascentia Skilled Nursing Facility (HMO I-SNP)H9066-002-0 · VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | Advantage with drugsHMO I-SNP | $25.40 | $9,850 | $700 | Not enough data |
| Senior Blue 652 (HMO)H3384-013-0 · Highmark Health | Advantage with drugsHMO | $122 | $7,150 | $700 | 4 |
| SilverScript Choice (PDP)S5601-006-0 · CVS Health Corporation | Drug onlyPDP | $166.60 | n/a | $700 | 2.5 |
| Trinity Health Plan New York Cash Back (HMO)H9827-004-0 · Trinity Health Corporation | Advantage with drugsHMO | $0 | $9,250 | $450 | 3 |
| Trinity Health Plan New York Glory No RX (HMO)H9827-003-0 · Trinity Health Corporation | AdvantageHMO | $0 | $6,300 | n/a | 3 |
| Trinity Health Plan New York No Premium (HMO)H9827-001-0 · Trinity Health Corporation | Advantage with drugsHMO | $0 | $7,900 | $425 | 3 |
| UHC Complete Care NY-33 (HMO-POS C-SNP)H3379-056-0 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS C-SNP | $0 | $6,900 | $685 | 3.5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP)H3387-015-1 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $0 | $9,850 | $700 | 4 |
| UHC Dual Complete NY-S001 (PPO D-SNP)H2001-063-1 · UnitedHealth Group, Inc. | Advantage with drugsPPO D-SNP | $19.40 | $9,850 | $700 | 4.5 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP)H3387-014-5 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $31.70 | $9,850 | $700 | 4 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP)H3387-013-0 · UnitedHealth Group, Inc. | Advantage with drugsHMO-POS D-SNP | $40.50 | $9,850 | $700 | 4 |
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page
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Health data for Schenectady County, NY
About this data
Plans, premiums, out-of-pocket maximums, and drug deductibles come from the CMS CY2027 Medicare Advantage and Part D landscape file. Change from 2026 compares it with the CY2026 landscape. Stars are the 2027 Star Ratings CMS released October 8, 2026: the overall rating for Advantage plans and the Part D summary rating for drug-only plans, which have no overall rating.
Advantage counts include Special Needs Plans, which are open only to people who qualify. Drug-only plans are listed by CMS for a whole state, so every county page shows them. Employer group plans are not in the file. This page lists plans; it does not say which plan fits anyone, and Rivvi does not sell plans.
Source: CMS Medicare Advantage and Part D landscape files, as of September 30, 2026. Publisher page
Source: CMS CY2026 Medicare Advantage and Part D landscape file, as of September 25, 2025. Publisher page
Source: CMS 2027 Medicare Part C and D Star Ratings, as of October 8, 2026. Publisher page