Best Medicare Advantage Plans in Worcester County, MA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Worcester 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.
Worcester County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Tufts Medicare Preferred HMO Basic Rx (HMO)Tufts Health Plan · HMO1 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $85 | $4,500 | $5,520 | 4★ |
| 2 | Mass General Brigham Advantage Secure (HMO-POS)Mass General Brigham Health Plan · HMO-POS9 of 14 counties · drug deductible $700Dental up to $800/yr · eyewear $200/yr · OTC items $120/yr | $60 | $5,000 | $5,720 | 3.5★ |
| 3 | Fallon Medicare Plus Blue (HMO)Fallon Health · HMO1 of 14 counties · drug deductible $0Dental · eyewear $150/yr | $217 | $3,400 | $6,004 | 4★ |
| 4 | Tufts Medicare Preferred HMO Value Rx (HMO)Tufts Health Plan · HMO1 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $190 | $4,200 | $6,480 | 4★ |
| 5 | Tufts Medicare Preferred HMO Prime Rx (HMO)Tufts Health Plan · HMO1 of 14 counties · drug deductible $0eyewear $150/yr | $224 | $3,850 | $6,538 | 4★ |
| 6 | HumanaChoice Giveback H5216-477 (PPO)Humana · PPO5 of 14 counties · drug deductible $700Part B giveback $48/mo · Dental · eyewear $100/yr | $0−$48 Part B giveback | $7,150 | $6,574 | 4★ |
| 7 | Mass General Brigham Advantage Plus (HMO-POS)Mass General Brigham Health Plan · HMO-POS9 of 14 counties · drug deductible $700Dental up to $1,000/yr · eyewear $250/yr · OTC items $260/yr | $180 | $4,500 | $6,660 | 3.5★ |
| 8 | HumanaChoice Giveback H5216-138 (PPO)Humana · PPO6 of 14 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4★ |
| 9 | HumanaChoice Giveback H7617-046 (PPO)Humana · PPO4 of 14 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4.5★ |
| 10 | Medicare HMO Blue PlusRx (HMO)Blue Cross Blue Shield of Massachusetts · HMO11 of 14 counties · drug deductible $500Preventive dental · eyewear $100/yr | $245 | $3,800 | $6,740 | 4.5★ |
| 11 | HumanaChoice H5216-249 (PPO)Humana · PPO5 of 14 counties · drug deductible $350Dental up to $1,000/yr · eyewear $150/yr | $0 | $6,750 | $6,750 | 4★ |
| 12 | AARP Medicare Advantage from UHC MA-0003 (HMO-POS)UnitedHealthcare · HMO-POS4 of 14 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 13 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO2 of 14 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 14 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS2 of 14 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 15 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO2 of 14 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 16 | Mass General Brigham Advantage Core (HMO-POS)Mass General Brigham Health Plan · HMO-POS9 of 14 counties · drug deductible $700Preventive dental · eyewear $150/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 17 | Tufts Medicare Preferred HMO Smart Saver Rx (HMO)Tufts Health Plan · HMO4 of 14 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 4★ |
| 18 | Fallon Medicare Plus Green (HMO)Fallon Health · HMO1 of 14 counties · drug deductible $300Dental · eyewear $150/yr · OTC items $175/yr | $105 | $6,000 | $7,260 | 4★ |
| 19 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO2 of 14 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $60 | $6,750 | $7,470 | 4★ |
| 20 | Medicare PPO Blue PlusRx (PPO)Blue Cross Blue Shield of Massachusetts · PPO11 of 14 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,700/yr per ear | $300 | $4,200 | $7,800 | 4★ |
| 21 | AARP Medicare Advantage from UHC MA-0006 (PPO)UnitedHealthcare · PPO4 of 14 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $67 | $7,150 | $7,954 | 4★ |
| 22 | Tufts Medicare Preferred PPO RX (PPO)Tufts Health Plan · PPO9 of 14 counties · drug deductible $700 | $220 | $7,150 | $9,790 | 3.5★ |
| 23 | Fallon Medicare Plus Orange (HMO)Fallon Health · HMO1 of 14 counties · drug deductible $595Dental · eyewear $150/yr | $0 | $9,850 | $9,850 | 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: 43 in 2026, 34 in 2027.
- $0-premium plans: 23 in 2026, 19 in 2027.
- Median in-network out-of-pocket maximum: $5,900 in 2026, $6,725 in 2027.
- 59,244 people here were in a general-audience Advantage plan in October 2026; 26,906 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: Humana USAA Honor Giveback (PPO), Tufts Medicare Preferred HMO Basic No Rx (HMO), Fallon Medicare Plus Saver No Rx (HMO), AARP Medicare Advantage Patriot No Rx MA-MA2 (HMO-POS), Tufts Medicare Preferred HMO Value No Rx (HMO), Tufts Medicare Preferred HMO Prime No Rx (HMO), Aetna Medicare Eagle Giveback (PPO), AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO).
Questions
How many Medicare Advantage plans are in Worcester County for 2027?
23 general-audience plans with drug coverage, 11 of them with a $0 monthly premium, compared with 43 plans and 23 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Worcester County?
Tufts Medicare Preferred HMO Basic Rx (HMO) from Tufts Health Plan: $85 a month with an in-network out-of-pocket maximum of $4,500, so at most about $5,520 for the year in premiums and in-network costs.
Do any Worcester County plans have a Part B giveback?
3 do. The largest is $48 a month off your Part B premium, from HumanaChoice Giveback H5216-477 (PPO).
How many Worcester County plans have 4 or more stars?
18 of 23, 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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