Best Medicare Advantage Plans in Tompkins County, NY for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Tompkins 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.
Tompkins County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | Medicare Blue Choice 030 (HMO-POS)Excellus Health Plan, Inc · HMO-POS13 of 62 counties · drug deductible $325Preventive dental · eyewear $200/yr | $125.30 | $7,500 | $9,004 | 4★ |
| 3 | 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★ |
| 4 | Medicare Blue Choice 029 (HMO-POS)Excellus Health Plan, Inc · HMO-POS13 of 62 counties · drug deductible $700Preventive dental · eyewear $200/yr | $85.30 | $8,500 | $9,524 | 4★ |
| 5 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO16 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 3★ |
| 6 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO14 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 7 | 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★ |
| 8 | Wellcare Simple Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Dental · hearing aids $750/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 9 | Aetna Medicare Premier (PPO)Aetna Medicare · PPO14 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · OTC items $120/yr | $60 | $9,250 | $9,970 | 4★ |
| 10 | Medicare Blue Choice 028 (HMO)Excellus Health Plan, Inc · HMO13 of 62 counties · drug deductible $700Preventive dental | $14 | $9,850 | $10,018 | 4★ |
| 11 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO16 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $54 | $9,850 | $10,498 | 4★ |
| 12 | 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★ |
| 13 | 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★ |
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: 19 in 2026, 16 in 2027.
- $0-premium plans: 12 in 2026, 8 in 2027.
- Median in-network out-of-pocket maximum: $9,250 in 2026, $9,850 in 2027.
- 5,683 people here were in a general-audience Advantage plan in October 2026; 2,735 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 031 (HMO-POS), MVP Medicare Preferred Gold without Part D (HMO-POS), Aetna Medicare Eagle Giveback (PPO).
Questions
How many Medicare Advantage plans are in Tompkins County for 2027?
13 general-audience plans with drug coverage, 5 of them with a $0 monthly premium, compared with 19 plans and 12 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Tompkins County?
MVP Medicare Secure Plus with Part D (HMO-POS) from MVP HEALTH CARE: $165 a month with an in-network out-of-pocket maximum of $6,000, so at most about $7,980 for the year in premiums and in-network costs.
Do any Tompkins 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 Tompkins County plans have 4 or more stars?
6 of 13, 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
Keep going
- All New York Medicare Advantage plans →
- Best Part D plans in New York →
- HMO vs. PPO and star ratings →
Other New York counties
Albany County · Bronx County · Broome County · Chautauqua County · Dutchess County · Erie County · Jefferson County · Kings County · Monroe County · Nassau County · New York County · Niagara County · Oneida County · Onondaga County · Ontario County · Orange County · Oswego County · Queens County · Rensselaer County · Richmond County · Rockland County · Saratoga County · Schenectady County · St. Lawrence County · Suffolk County · Ulster County · Westchester County