Best Medicare Advantage Plans in Suffolk County, NY for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Suffolk 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.
Suffolk County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO7 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 2 | EmblemHealth VIP Value (HMO)EmblemHealth · HMO5 of 62 counties · drug deductible $650Dental · eyewear $150/yr · hearing aids $1,000/yr | $0 | $9,850 | $9,850 | 4★ |
| 3 | 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★ |
| 4 | Wellcare Fidelis Simple (HMO-POS)Wellcare · HMO-POS58 of 62 counties · drug deductible $700Dental | $0 | $9,850 | $9,850 | 3★ |
| 5 | Humana Gold Plus H3533-037 (HMO)Humana · HMO2 of 62 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr | $50 | $9,250 | $9,850 | 3★ |
| 6 | Healthfirst Increased Benefits Plan (HMO)Healthfirst Medicare Plan · HMO11 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $17.10 | $9,850 | $10,055 | 3.5★ |
| 7 | 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★ |
| 8 | EmblemHealth VIP Saver (HMO)EmblemHealth · HMO5 of 62 counties · drug deductible $650Dental · eyewear $200/yr · hearing aids $1,500/yr | $40.40 | $9,850 | $10,335 | 4★ |
| 9 | Anthem Medicare Advantage 3 (HMO-POS)Anthem Blue Cross and Blue Shield HP · HMO-POS1 of 62 counties · drug deductible $275Preventive dental · eyewear $200/yr · hearing aids $2,000/yr · OTC items $120/yr | $70 | $9,850 | $10,690 | 5★ |
| 10 | Aetna Medicare Elite Extra (PPO)Aetna Medicare · PPO2 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $79 | $9,850 | $10,798 | 4★ |
| 11 | Anthem Medicare Advantage (HMO)Anthem Blue Cross and Blue Shield HP · HMO1 of 62 counties · drug deductible $100 | $96 | $9,850 | $11,002 | 3★ |
| 12 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMO2 of 62 counties · drug deductible $700Preventive dental · eyewear $150/yr | $104 | $9,850 | $11,098 | 3★ |
| 13 | Healthfirst Signature (PPO)Healthfirst Medicare Plan · PPO9 of 62 counties · drug deductible $700Dental up to $1,500/yr | $155 | $9,850 | $11,710 | 3★ |
| 14 | EmblemHealth VIP Gold (HMO)EmblemHealth · HMO2 of 62 counties · drug deductible $200Dental · eyewear $300/yr · hearing aids $1,500/yr | $166 | $9,850 | $11,842 | 4★ |
| 15 | EmblemHealth VIP Gold Plus (HMO)EmblemHealth · HMO7 of 62 counties · drug deductible $200Dental · eyewear $300/yr · hearing aids $1,500/yr | $216 | $9,850 | $12,442 | 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: 27 in 2026, 18 in 2027.
- $0-premium plans: 13 in 2026, 7 in 2027.
- Median in-network out-of-pocket maximum: $9,250 in 2026, $9,850 in 2027.
- 56,758 people here were in a general-audience Advantage plan in October 2026; 17,263 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: Anthem Veteran 2 (HMO-POS), Aetna Medicare Eagle Giveback (PPO), Wellcare Fidelis Patriot Simple (HMO-POS).
Questions
How many Medicare Advantage plans are in Suffolk County for 2027?
15 general-audience plans with drug coverage, 4 of them with a $0 monthly premium, compared with 27 plans and 13 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Suffolk County?
Aetna Medicare Elite (PPO) from Aetna Medicare: $0 a month with an in-network out-of-pocket maximum of $9,850, so at most about $9,850 for the year in premiums and in-network costs.
Do any Suffolk 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 Suffolk County plans have 4 or more stars?
8 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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