Best Medicare Advantage Plans in Centre County, PA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Centre 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.
Centre 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 · HMO16 of 67 counties · drug deductible $0Dental up to $1,250/yr · eyewear $200/yr · hearing aids $417/yr per ear | $129 | $3,450 | $4,998 | 4★ |
| 2 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO29 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 3 | Aetna Medicare Signature Plus (HMO-POS)Aetna Medicare · HMO-POS29 of 67 counties · drug deductible $400Dental up to $1,250/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $100/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 4 | Geisinger Gold Preferred Advantage Rx (PPO)Geisinger Gold · PPO29 of 67 counties · drug deductible $0 | $123 | $4,450 | $5,926 | 4★ |
| 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 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO9 of 67 counties · drug deductible $700Part B giveback $15/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $140/yr | $0−$15 Part B giveback | $6,950 | $6,770 | 4.5★ |
| 13 | Capital Blue Cross Essential (HMO)Capital Blue Cross · HMO5 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0 | $6,800 | $6,800 | 4★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | Capital Blue Cross Enhanced (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $100/yr | $29 | $6,800 | $7,148 | 4★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO10 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 20 | Geisinger Gold Classic Essential Rx (HMO)Geisinger Gold · HMO44 of 67 counties · drug deductible $700 | $0 | $7,150 | $7,150 | 4★ |
| 21 | Capital Blue Cross Value (HMO)Capital Blue Cross · HMO5 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $160/yr | $63 | $6,500 | $7,256 | 4★ |
| 22 | Community Blue Medicare HMO Distinct (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO9 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $200/yr · OTC items $260/yr | $63 | $6,500 | $7,256 | 4.5★ |
| 23 | AARP Medicare Advantage from UHC PA-0003 (HMO-POS)UnitedHealthcare · HMO-POS33 of 67 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $54 | $6,700 | $7,348 | 4★ |
| 24 | 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★ |
| 25 | Complete Blue PPO Merit (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO10 of 67 counties · drug deductible $700Part B giveback $77/mo · Dental up to $1,500/yr · eyewear $225/yr · hearing aids $500/yr | $0−$77 Part B giveback | $8,300 | $7,376 | 4.5★ |
| 26 | Aetna Medicare Advantra Signature (HMO-POS)Aetna Medicare · HMO-POS19 of 67 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,500 | $7,500 | 3.5★ |
| 27 | 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★ |
| 28 | Capital Blue Cross Complete (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Dental up to $3,500/yr · eyewear $125/yr · OTC items $100/yr | $45 | $7,100 | $7,640 | 4★ |
| 29 | 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★ |
| 30 | HumanaChoice R0110-008 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental · eyewear $100/yr | $75 | $7,150 | $8,050 | 3.5★ |
| 31 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO10 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr | $116 | $6,750 | $8,142 | 4.5★ |
| 32 | 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★ |
| 33 | Capital Blue Cross Value (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Part B giveback $25/mo · Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0−$25 Part B giveback | $9,000 | $8,700 | 4★ |
| 34 | HumanaChoice H5525-005 (PPO)Humana · PPO31 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $250/yr | $39 | $8,300 | $8,768 | 4★ |
| 35 | Capital Blue Cross Select (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $120/yr | $0 | $8,800 | $8,800 | 4★ |
| 36 | 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★ |
| 37 | 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★ |
| 38 | 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★ |
| 39 | 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★ |
| 40 | 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★ |
| 41 | Geisinger Gold Classic 360 Rx (HMO)Geisinger Gold · HMO19 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $200/yr · OTC items $200/yr | $0 | $9,850 | $9,850 | 4★ |
| 42 | Geisinger Gold Preferred Complete Rx (PPO)Geisinger Gold · PPO44 of 67 counties · drug deductible $700 | $0 | $9,850 | $9,850 | 4★ |
| 43 | 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★ |
| 44 | Capital Blue Cross Basic (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $28 | $9,800 | $10,136 | 4★ |
| 45 | 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★ |
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: 56 in 2026, 54 in 2027.
- $0-premium plans: 29 in 2026, 28 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $6,875 in 2027.
- 8,974 people here were in a general-audience Advantage plan in October 2026; 12 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), Freedom Blue PPO Basic (PPO), Geisinger Gold Heritage (HMO), UPMC for Life PPO Salute (PPO).
Questions
How many Medicare Advantage plans are in Centre County for 2027?
45 general-audience plans with drug coverage, 20 of them with a $0 monthly premium, compared with 56 plans and 29 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Centre County?
Geisinger Gold Classic Advantage Rx (HMO) from Geisinger Gold: $129 a month with an in-network out-of-pocket maximum of $3,450, so at most about $4,998 for the year in premiums and in-network costs.
Do any Centre County plans have a Part B giveback?
7 do. The largest is $110 a month off your Part B premium, from Humana Essentials Plus Giveback (PPO).
How many Centre County plans have 4 or more stars?
41 of 45, 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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