Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Berks County, PA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Berks 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.
65plans with drug coverage (77 in 2026)
32with a $0 premium (42 in 2026)
$5,070lowest worst-case year
13with a Part B giveback
Berks County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Geisinger Gold Classic Advantage Rx (HMO)Geisinger Gold · HMO21 of 67 counties · drug deductible $0Dental up to $1,250/yr · eyewear $200/yr · hearing aids $417/yr per ear | $135 | $3,450 | $5,070 | 4★ |
| 2 | UPMC for Life HMO Rx (HMO)UPMC for Life · HMO31 of 67 counties · drug deductible $0Dental up to $5,000/yr · eyewear $225/yr | $90 | $4,500 | $5,580 | 4.5★ |
| 3 | Geisinger Gold Preferred Advantage Rx (PPO)Geisinger Gold · PPO15 of 67 counties · drug deductible $0 | $104 | $4,450 | $5,698 | 4★ |
| 4 | DEVOTED GIVEBACK 009 PA (HMO)Devoted Health · HMO18 of 67 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $348/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | 3.5★ |
| 5 | Capital Blue Cross Premier (HMO)Capital Blue Cross · HMO21 of 67 counties · drug deductible $350Dental up to $3,000/yr · eyewear $125/yr · OTC items $180/yr | $90 | $5,000 | $6,080 | 4★ |
| 6 | DEVOTED GIVEBACK EXTRAS 032 PA (HMO)Devoted Health · HMO18 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $676/yr | $0−$70 Part B giveback | $7,100 | $6,260 | 3.5★ |
| 7 | Humana USAA Honor Giveback with Rx (PPO)Humana · PPO62 of 67 counties · drug deductible $700Part B giveback $84/mo · Dental up to $3,000/yr · eyewear $200/yr | $0−$84 Part B giveback | $7,350 | $6,342 | 4★ |
| 8 | Geisinger Gold Classic Complete Rx (HMO)Geisinger Gold · HMO37 of 67 counties · drug deductible $0Dental up to $750/yr · eyewear $100/yr · hearing aids $417/yr per ear | $58 | $5,700 | $6,396 | 4★ |
| 9 | UPMC for Life HMO Rx Choice (HMO)UPMC for Life · HMO18 of 67 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr | $40 | $6,000 | $6,480 | 4.5★ |
| 10 | HumanaChoice H5525-086 (PPO)Humana · PPO31 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $300/yr | $38 | $6,050 | $6,506 | 4★ |
| 11 | Freedom Blue PPO ValueRx (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO34 of 67 counties · drug deductible $700Preventive dental · eyewear $225/yr · hearing aids $500/yr | $84 | $5,500 | $6,508 | 4.5★ |
| 12 | AARP Medicare Advantage from UHC PA-0008 (PPO)UnitedHealthcare · PPOAll 67 counties · drug deductible $685Dental up to $5,000/yr · eyewear $100/yr · hearing aids $700/yr | $60 | $5,900 | $6,620 | 4★ |
| 13 | Freedom Blue PPO Standard (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO34 of 67 counties · drug deductible $0Preventive dental · eyewear $200/yr · hearing aids $500/yr | $135 | $5,000 | $6,620 | 4.5★ |
| 14 | Jefferson Health Plans Prime (HMO)Jefferson Health Plans · HMO20 of 67 counties · drug deductible $0Dental up to $2,000/yr · eyewear $300/yr · OTC items $340/yr | $12.80 | $6,500 | $6,654 | 3★ |
| 15 | DEVOTED CORE 008 PA (HMO)Devoted Health · HMO18 of 67 counties · drug deductible $650Dental up to $3,500/yr · eyewear $400/yr · OTC items $136/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 16 | UPMC for Life Essential Rx (PPO)UPMC for Life · PPO34 of 67 counties · drug deductible $700Part B giveback $100/mo · Dental up to $2,500/yr · eyewear $250/yr | $0−$100 Part B giveback | $8,000 | $6,800 | 4.5★ |
| 17 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO15 of 67 counties · drug deductible $700Part B giveback $26/mo · Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$26 Part B giveback | $7,150 | $6,838 | 4.5★ |
| 18 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO7 of 67 counties · drug deductible $700Part B giveback $4/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $140/yr | $0−$4 Part B giveback | $6,950 | $6,902 | 4.5★ |
| 19 | Humana Essentials Plus Giveback (PPO)Humana · PPO39 of 67 counties · drug deductible $700Part B giveback $110/mo · Dental · eyewear $200/yr | $0−$110 Part B giveback | $8,250 | $6,930 | 4★ |
| 20 | Jefferson Health Plans Preferred (PPO)Jefferson Health Plans · PPO20 of 67 counties · drug deductible $0Dental up to $1,450/yr · eyewear $200/yr · OTC items $300/yr | $40 | $6,500 | $6,980 | 3★ |
| 21 | AARP Medicare Advantage from UHC PA-0007 (PPO)UnitedHealthcare · PPO32 of 67 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $57 | $6,300 | $6,984 | 4★ |
| 22 | UPMC for Life HMO Premier Rx (HMO)UPMC for Life · HMO18 of 67 counties · drug deductible $700Dental up to $2,100/yr · eyewear $100/yr | $0 | $7,000 | $7,000 | 4.5★ |
| 23 | Aetna Medicare Advantra Premier (PPO)Aetna Medicare · PPO37 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $120/yr | $99 | $5,900 | $7,088 | 4.5★ |
| 24 | Capital Blue Cross Essential (HMO)Capital Blue Cross · HMO4 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0 | $7,100 | $7,100 | 4★ |
| 25 | DEVOTED CHOICE 007 PA (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Dental up to $2,500/yr · eyewear $200/yr · OTC items $300/yr | $0 | $7,100 | $7,100 | 3★ |
| 26 | Community Blue Medicare HMO Distinct (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO7 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $200/yr · OTC items $300/yr | $53 | $6,500 | $7,136 | 4.5★ |
| 27 | AARP Medicare Advantage from UHC PA-0002 (HMO-POS)UnitedHealthcare · HMO-POS62 of 67 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 28 | AARP Medicare Advantage from UHC PA-0011 (PPO)UnitedHealthcare · PPO37 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 29 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO38 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 30 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO4 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 31 | Geisinger Gold Classic Essential Rx (HMO)Geisinger Gold · HMO44 of 67 counties · drug deductible $700 | $0 | $7,150 | $7,150 | 4★ |
| 32 | Capital Blue Cross Enhanced (PPO)Capital Blue Cross · PPO2 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $100/yr | $32 | $6,800 | $7,184 | 4★ |
| 33 | Capital Blue Cross Value (HMO)Capital Blue Cross · HMO4 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $160/yr | $63 | $6,500 | $7,256 | 4★ |
| 34 | HumanaChoice H5525-006 (PPO)Humana · PPO15 of 67 counties · drug deductible $700Dental · eyewear $200/yr | $50 | $6,700 | $7,300 | 4★ |
| 35 | Freedom Blue PPO Deluxe (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO34 of 67 counties · drug deductible $0Preventive dental · eyewear $225/yr · hearing aids $500/yr | $239 | $4,500 | $7,368 | 4.5★ |
| 36 | Complete Blue PPO Merit (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO15 of 67 counties · drug deductible $700Part B giveback $75/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr | $0−$75 Part B giveback | $8,300 | $7,400 | 4.5★ |
| 37 | Jefferson Health Plans Complete (HMO)Jefferson Health Plans · HMO20 of 67 counties · drug deductible $0Dental up to $2,000/yr · eyewear $250/yr · OTC items $200/yr | $0 | $7,500 | $7,500 | 3★ |
| 38 | HealthSpring True Choice (PPO)HealthSpring · PPO16 of 67 counties · drug deductible $700Dental up to $2,200/yr · eyewear $150/yr | $7 | $7,500 | $7,584 | 3★ |
| 39 | Capital Blue Cross Classic (PPO)Capital Blue Cross · PPO21 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $77 | $6,700 | $7,624 | 4★ |
| 40 | Capital Blue Cross Complete (PPO)Capital Blue Cross · PPO4 of 67 counties · drug deductible $700Dental up to $3,500/yr · eyewear $125/yr · OTC items $100/yr | $44 | $7,100 | $7,628 | 4★ |
| 41 | DEVOTED CHOICE GIVEBACK 003 PA (PPO)Devoted Health · PPO8 of 67 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $364/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 3★ |
| 42 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 67 counties · drug deductible $500Dental up to $5,000/yr · eyewear $225/yr · OTC items $140/yr | $0 | $7,900 | $7,900 | 3★ |
| 43 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO32 of 67 counties · drug deductible $700Dental up to $1,250/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $35 | $7,500 | $7,920 | 4.5★ |
| 44 | Humana Value Choice (PPO)Humana · PPO54 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $8,000 | $8,000 | 4★ |
| 45 | Jefferson Health Plans Flex (PPO)Jefferson Health Plans · PPO20 of 67 counties · drug deductible $0Dental up to $3,000/yr · eyewear $100/yr | $0 | $8,000 | $8,000 | 3★ |
| 46 | HumanaChoice R0110-008 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $75 | $7,150 | $8,050 | 3.5★ |
| 47 | Aetna Medicare Advantra Enhanced (HMO-POS)Aetna Medicare · HMO-POS27 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $360/yr | $58 | $7,500 | $8,196 | 3.5★ |
| 48 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO5 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $200/yr | $90 | $7,150 | $8,230 | 4.5★ |
| 49 | Jefferson Health Plans Giveback (HMO)Jefferson Health Plans · HMO20 of 67 counties · drug deductible $450Part B giveback $132/mo · Dental up to $2,000/yr · eyewear $200/yr | $0−$132 Part B giveback | $9,850 | $8,266 | 3★ |
| 50 | UPMC for Life PPO Rx Enhanced (PPO)UPMC for Life · PPO18 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $60 | $7,550 | $8,270 | 4.5★ |
| 51 | Humana Gold Plus H6622-035 (HMO)Humana · HMO10 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $375/yr | $0 | $8,300 | $8,300 | 4★ |
| 52 | AARP Medicare Advantage Giveback from UHC PA-12 (PPO)UnitedHealthcare · PPOAll 67 counties · drug deductible $685Part B giveback $55/mo · Preventive dental · hearing aids $700/yr | $0−$55 Part B giveback | $9,200 | $8,540 | 4★ |
| 53 | Capital Blue Cross Value (PPO)Capital Blue Cross · PPO4 of 67 counties · drug deductible $700Part B giveback $24/mo · Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0−$24 Part B giveback | $9,000 | $8,712 | 4★ |
| 54 | HumanaChoice H5216-120 (PPO)Humana · PPO63 of 67 counties · drug deductible $700Dental up to $1,250/yr · eyewear $200/yr | $107 | $7,600 | $8,884 | 4★ |
| 55 | Capital Blue Cross Prime (PPO)Capital Blue Cross · PPO21 of 67 counties · drug deductible $550Dental up to $2,000/yr · eyewear $125/yr · OTC items $180/yr | $184 | $6,700 | $8,908 | 4★ |
| 56 | Aetna Medicare Advantra Signature (PPO)Aetna Medicare · PPO37 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,250 | $9,250 | 4.5★ |
| 57 | Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO62 of 67 counties · drug deductible $700Part B giveback $42/mo · Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0−$42 Part B giveback | $9,850 | $9,346 | 4.5★ |
| 58 | Geisinger Gold Value Rx (HMO)Geisinger Gold · HMO63 of 67 counties · drug deductible $0Dental up to $500/yr · eyewear $135/yr · OTC items $480/yr | $29 | $9,000 | $9,348 | 4★ |
| 59 | Capital Blue Cross Select (PPO)Capital Blue Cross · PPO4 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $120/yr | $0 | $9,850 | $9,850 | 4★ |
| 60 | Geisinger Gold Preferred Complete Rx (PPO)Geisinger Gold · PPO44 of 67 counties · drug deductible $700 | $0 | $9,850 | $9,850 | 4★ |
| 61 | Humana Gold Choice H8145-052 (PFFS)Humana · PFFS23 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 62 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS57 of 67 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 63 | Capital Blue Cross Basic (PPO)Capital Blue Cross · PPO4 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $28 | $9,800 | $10,136 | 4★ |
| 64 | Geisinger Gold Preferred Balance Rx (PPO)Geisinger Gold · PPO44 of 67 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $417/yr per ear · OTC items $180/yr | $29 | $9,850 | $10,198 | 4★ |
| 65 | UPMC for Life HMO Rx Enhanced (HMO)UPMC for Life · HMO39 of 67 counties · drug deductible $0Dental up to $5,500/yr · eyewear $450/yr | $295 | $7,550 | $11,090 | 4.5★ |
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: 77 in 2026, 75 in 2027.
- $0-premium plans: 42 in 2026, 41 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $7,150 in 2027.
- 28,768 people here were in a general-audience Advantage plan in October 2026; 163 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: HumanaChoice Giveback H5216-116 (PPO), Aetna Medicare Advantra Eagle Plus (HMO-POS), Freedom Blue PPO Valor (PPO), AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS), HumanaChoice R0110-007 (Regional PPO), UPMC for Life HMO No Rx (HMO), Humana USAA Honor Giveback (PPO), Freedom Blue PPO Basic (PPO), Geisinger Gold Heritage (HMO), UPMC for Life PPO Salute (PPO).
Questions
How many Medicare Advantage plans are in Berks County for 2027?
65 general-audience plans with drug coverage, 32 of them with a $0 monthly premium, compared with 77 plans and 42 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Berks County?
Geisinger Gold Classic Advantage Rx (HMO) from Geisinger Gold: $135 a month with an in-network out-of-pocket maximum of $3,450, so at most about $5,070 for the year in premiums and in-network costs.
Do any Berks County plans have a Part B giveback?
13 do. The largest is $184.70 a month off your Part B premium, from DEVOTED GIVEBACK 009 PA (HMO).
How many Berks County plans have 4 or more stars?
50 of 65, 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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