Best Medicare Advantage Plans in Saratoga County, NY for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Saratoga 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.
Saratoga County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage from UHC NY-29 (HMO-POS)UnitedHealthcare · HMO-POS9 of 62 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $39 | $7,150 | $7,618 | 3.5★ |
| 2 | CDPHP Clear Rx (HMO)CDPHP Medicare Advantage · HMO9 of 62 counties · drug deductible $500Dental up to $900/yr | $100 | $6,750 | $7,950 | 3.5★ |
| 3 | MVP Medicare Secure Plus with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS39 of 62 counties · drug deductible $500Dental up to $300/yr · eyewear $175/yr · OTC items $80/yr | $165 | $6,000 | $7,980 | 3.5★ |
| 4 | CDPHP Choice Rx (HMO)CDPHP Medicare Advantage · HMO9 of 62 counties · drug deductible $250Dental up to $1,500/yr | $139 | $6,400 | $8,068 | 3.5★ |
| 5 | DEVOTED CHOICE GIVEBACK 004 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 6 | Senior Blue 652 (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO10 of 62 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $160/yr | $122 | $7,150 | $8,614 | 4★ |
| 7 | DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $150/yr · OTC items $252/yr | $0−$70 Part B giveback | $9,750 | $8,910 | Too new to rate |
| 8 | 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★ |
| 9 | AARP Medicare Advantage from UHC NY-0015 (PPO)UnitedHealthcare · PPO9 of 62 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $44 | $8,900 | $9,428 | 3★ |
| 10 | DEVOTED CHOICE 003 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $100/yr | $0 | $9,500 | $9,500 | Too new to rate |
| 11 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO11 of 62 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 12 | CDPHP $0 Medicare Rx (HMO)CDPHP Medicare Advantage · HMO9 of 62 counties · drug deductible $700Dental up to $400/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | Wellcare Fidelis Simple (HMO-POS)Wellcare · HMO-POS58 of 62 counties · drug deductible $700Dental | $0 | $9,850 | $9,850 | 3★ |
| 16 | Wellcare Simple Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Dental · hearing aids $750/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 17 | HumanaChoice H5970-029 (PPO)Humana · PPO45 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $65 | $9,250 | $10,030 | 3★ |
| 18 | VNS Health EasyCare (HMO)VNS Health Medicare · HMO20 of 62 counties · drug deductible $650Dental up to $2,500/yr · eyewear $200/yr · hearing aids $167/yr per ear · OTC items $200/yr | $25 | $9,850 | $10,150 | 4★ |
| 19 | MVP Medicare Secure Plus Choice with Part D (PPO)MVP HEALTH CARE · PPO32 of 62 counties · drug deductible $500Dental up to $300/yr · eyewear $175/yr · OTC items $80/yr | $256 | $7,500 | $10,572 | 3.5★ |
| 20 | MVP Medicare WellValue with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS32 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $71 | $9,850 | $10,702 | 3.5★ |
| 21 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO16 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $109 | $9,850 | $11,158 | 3★ |
| 22 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO11 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $149 | $9,850 | $11,638 | 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: 33 in 2026, 28 in 2027.
- $0-premium plans: 18 in 2026, 15 in 2027.
- Median in-network out-of-pocket maximum: $7,500 in 2026, $9,800 in 2027.
- 21,762 people here were in a general-audience Advantage plan in October 2026; 2,545 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), AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS), CDPHP Core (HMO), 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 Saratoga County for 2027?
22 general-audience plans with drug coverage, 10 of them with a $0 monthly premium, compared with 33 plans and 18 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Saratoga County?
AARP Medicare Advantage from UHC NY-29 (HMO-POS) from UnitedHealthcare: $39 a month with an in-network out-of-pocket maximum of $7,150, so at most about $7,618 for the year in premiums and in-network costs.
Do any Saratoga County plans have a Part B giveback?
3 do. The largest is $118 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 004 NY (PPO).
How many Saratoga County plans have 4 or more stars?
4 of 22, 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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