Best Medicare Advantage Plans in Ontario County, NY for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Ontario 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.
Ontario County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Medicare Blue Choice Prime (HMO-POS)Excellus Health Plan, Inc · HMO-POS6 of 62 counties · drug deductible $700Preventive dental | $89.80 | $8,000 | $9,078 | 4★ |
| 2 | Wellcare Giveback Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Part B giveback $37/mo · Dental | $0−$37 Part B giveback | $9,850 | $9,406 | 3★ |
| 3 | Wellcare Assist Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 4 | Wellcare Fidelis Assist (HMO-POS)Wellcare · HMO-POS58 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $350/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 5 | Wellcare Fidelis Simple (HMO-POS)Wellcare · HMO-POS58 of 62 counties · drug deductible $700Dental | $0 | $9,850 | $9,850 | 3★ |
| 6 | Wellcare Simple Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Dental · hearing aids $750/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 7 | Medicare Blue Choice Optimum (HMO-POS)Excellus Health Plan, Inc · HMO-POS6 of 62 counties · drug deductible $100Dental up to $500/yr | $263 | $6,700 | $9,856 | 4★ |
| 8 | Medicare Blue Choice Core (HMO)Excellus Health Plan, Inc · HMO6 of 62 counties · drug deductible $700Preventive dental | $19 | $9,850 | $10,078 | 4★ |
| 9 | MVP Medicare Preferred Gold with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS11 of 62 counties · drug deductible $400Dental up to $300/yr · eyewear $175/yr · OTC items $100/yr | $277 | $6,800 | $10,124 | 3.5★ |
| 10 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO5 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $109 | $9,850 | $11,158 | 4★ |
| 11 | MVP Medicare WellValue with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS11 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $217 | $9,850 | $12,454 | 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: 20 in 2026, 15 in 2027.
- $0-premium plans: 10 in 2026, 9 in 2027.
- Median in-network out-of-pocket maximum: $9,250 in 2026, $9,850 in 2027.
- 15,828 people here were in a general-audience Advantage plan in October 2026; 357 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: Medicare Blue Choice Freedom (HMO-POS), MVP Medicare Preferred Gold without Part D (HMO-POS), Aetna Medicare Eagle Giveback (PPO), Wellcare Fidelis Patriot Simple (HMO-POS).
Questions
How many Medicare Advantage plans are in Ontario County for 2027?
11 general-audience plans with drug coverage, 5 of them with a $0 monthly premium, compared with 20 plans and 10 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Ontario County?
Medicare Blue Choice Prime (HMO-POS) from Excellus Health Plan, Inc: $89.80 a month with an in-network out-of-pocket maximum of $8,000, so at most about $9,078 for the year in premiums and in-network costs.
Do any Ontario County plans have a Part B giveback?
1 do. The largest is $37 a month off your Part B premium, from Wellcare Giveback Open (PPO).
How many Ontario County plans have 4 or more stars?
4 of 11, 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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