Best Medicare Advantage Plans in Cecil County, MD for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Cecil County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Cecil County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | CareFirst BlueCross BlueShield Advantage Complete (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPO18 of 24 counties · drug deductible $400Dental up to $1,700/yr · eyewear $250/yr | $45 | $6,300 | $6,840 | 2.5★ |
| 2 | CareFirst BlueCross BlueShield Advantage Essential (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPO16 of 24 counties · drug deductible $700Dental up to $1,200/yr · eyewear $250/yr | $0 | $7,151 | $7,151 | 2.5★ |
| 3 | Alterwood Advantage Select (HMO)Alterwood Advantage · HMO19 of 24 counties · drug deductible $295Dental up to $2,975/yr · eyewear $225/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 4 | CareFirst BlueCross BlueShield Advantage Signature (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPO18 of 24 counties · drug deductible $600Dental up to $500/yr · eyewear $100/yr | $47 | $7,151 | $7,715 | 2.5★ |
| 5 | Alterwood Advantage Choice (HMO)Alterwood Advantage · HMO19 of 24 counties · drug deductible $0Dental up to $3,175/yr · eyewear $150/yr | $35 | $7,500 | $7,920 | 3.5★ |
| 6 | HumanaChoice H5216-376 (PPO)Humana · PPO13 of 24 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $8,050 | $8,050 | 4★ |
| 7 | HumanaChoice H7617-044 (PPO)Humana · PPO13 of 24 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $8,050 | $8,050 | 4.5★ |
| 8 | HumanaChoice H5216-387 (PPO)Humana · PPO14 of 24 counties · drug deductible $600Dental up to $1,000/yr · eyewear $200/yr | $73 | $7,550 | $8,426 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 12 in 2026, 11 in 2027.
- $0-premium plans: 6 in 2026, 7 in 2027.
- Median in-network out-of-pocket maximum: $7,500 in 2026, $7,151 in 2027.
- 2,390 people here were in a general-audience Advantage plan in October 2026; 124 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: CareFirst BlueCross BlueShield Advantage Salute (PPO), Alterwood Advantage Freedom (HMO), Humana USAA Honor Giveback (PPO).
Questions
How many Medicare Advantage plans are in Cecil County for 2027?
8 general-audience plans with drug coverage, 4 of them with a $0 monthly premium, compared with 12 plans and 6 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Cecil County?
CareFirst BlueCross BlueShield Advantage Complete (PPO) from CareFirst BlueCross BlueShield Medicare Advantage: $45 a month with an in-network out-of-pocket maximum of $6,300, so at most about $6,840 for the year in premiums and in-network costs.
Do any Cecil County plans have a Part B giveback?
None of the plans with drug coverage here files a Part B premium reduction for 2027.
How many Cecil County plans have 4 or more stars?
3 of 8, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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