Best Medicare Advantage Plans in Montgomery County, MD for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Montgomery 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.
Montgomery 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 | Kaiser Permanente Medicare Advantage High MD (HMO-POS)Kaiser Permanente · HMO-POS11 of 24 counties · drug deductible $0Dental up to $1,000/yr · eyewear $225/yr · hearing aids $333/yr per ear · OTC items $100/yr | $114 | $5,700 | $7,068 | 4.5★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | Kaiser Permanente Medicare Advantage Care Plus MD (HMO-POS)Kaiser Permanente · HMO-POS2 of 24 counties · drug deductible $0Dental up to $1,500/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $240/yr | $33 | $7,500 | $7,896 | 4.5★ |
| 7 | 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★ |
| 8 | HumanaChoice H5216-376 (PPO)Humana · PPO13 of 24 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $8,050 | $8,050 | 4★ |
| 9 | HumanaChoice H7617-044 (PPO)Humana · PPO13 of 24 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $8,050 | $8,050 | 4.5★ |
| 10 | Kaiser Permanente Medicare Advantage Value 1 MD (HMO)Kaiser Permanente · HMO5 of 24 counties · drug deductible $0Dental up to $500/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $8,200 | $8,200 | 4.5★ |
| 11 | Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS)Kaiser Permanente · HMO-POS5 of 24 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $160/yr | $32 | $7,900 | $8,284 | 4.5★ |
| 12 | 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★ |
| 13 | Johns Hopkins Advantage MD (PPO)Johns Hopkins Advantage MD · PPO10 of 24 counties · drug deductible $615Preventive dental · eyewear $200/yr | $95 | $7,950 | $9,090 | 4★ |
| 14 | Johns Hopkins Advantage MD Plus (PPO)Johns Hopkins Advantage MD · PPO10 of 24 counties · drug deductible $615Preventive dental · eyewear $250/yr · OTC items $100/yr | $165 | $7,550 | $9,530 | 4★ |
| 15 | Johns Hopkins Advantage MD (HMO)Johns Hopkins Advantage MD · HMO10 of 24 counties · drug deductible $590Preventive dental · eyewear $250/yr · OTC items $200/yr | $49 | $8,950 | $9,538 | 3.5★ |
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: 27 in 2026, 20 in 2027.
- $0-premium plans: 11 in 2026, 10 in 2027.
- Median in-network out-of-pocket maximum: $7,300 in 2026, $7,500 in 2027.
- 30,143 people here were in a general-audience Advantage plan in October 2026; 3,208 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), Kaiser Permanente Medicare Advantage Liberty (HMO), Johns Hopkins Advantage MD Tribute (HMO).
Questions
How many Medicare Advantage plans are in Montgomery County for 2027?
15 general-audience plans with drug coverage, 5 of them with a $0 monthly premium, compared with 27 plans and 11 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Montgomery 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 Montgomery 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 Montgomery County plans have 4 or more stars?
9 of 15, 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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