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2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Virginia for 2027
Every general-audience Medicare Advantage plan with drug coverage in Virginia, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
94plans with drug coverage
66with a $0 plan premium
$3,522lowest worst-case year
62rated 4+ stars by CMS
Virginia plans, ranked
Showing all 94 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H5619-090 (HMO)Humana · HMO13 of 133 counties · drug deductible $250Dental up to $3,000/yr · eyewear $300/yr | $106 | $2,250 | $3,522 | 4★ |
| 2 | Humana Gold Plus H5619-091 (HMO)Humana · HMO13 of 133 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $42 | $3,100 | $3,604 | 4★ |
| 3 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS21 of 133 counties · drug deductible $55Dental up to $2,600/yr · eyewear $350/yr · hearing aids $2,000/yr · OTC items $288/yr | $0 | $3,975 | $3,975 | 3★ |
| 4 | AARP Medicare Advantage from UHC TC-0003 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 counties · drug deductible $495Dental up to $3,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $55 | $3,500 | $4,160 | 4★ |
| 5 | AARP Medicare Advantage Essentials from UHC TC-2 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,200 | $4,200 | 4★ |
| 6 | Aetna Medicare Signature Plus (HMO-POS)Aetna Medicare · HMO-POS9 of 133 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · hearing aids $1,500/yr per ear · OTC items $240/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 7 | Aetna Medicare Carilion Health Prime (HMO-POS)Aetna Medicare · HMO-POS12 of 133 counties · drug deductible $400Dental up to $2,000/yr · eyewear $300/yr · hearing aids $1,500/yr per ear · OTC items $240/yr | $0 | $4,300 | $4,300 | 3.5★ |
| 8 | Humana Gold Plus H5619-095 (HMO)Humana · HMO13 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 9 | AARP Medicare Advantage Extras from UHC TC-7 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,900 | $4,900 | 4★ |
| 10 | Humana Gold Plus H6622-004 (HMO)Humana · HMO25 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $100/yr | $0 | $4,900 | $4,900 | 4★ |
| 11 | Humana Total Complete (HMO)Humana · HMO25 of 133 counties · drug deductible $450Dental up to $3,000/yr · eyewear $350/yr | $0 | $4,900 | $4,900 | 4.5★ |
| 12 | AARP Medicare Advantage from UHC VA-0009 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $595Dental up to $5,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $48 | $4,450 | $5,026 | 4★ |
| 13 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO11 of 133 counties · drug deductible $400Part B giveback $140/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$140 Part B giveback | $6,750 | $5,070 | 3★ |
| 14 | AARP Medicare Advantage Direct Plus from UHC VA-26 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $595Dental up to $5,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0 | $5,400 | $5,400 | 4★ |
| 15 | AARP Medicare Advantage Essentials from UHC VA-8 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,400 | $5,400 | 4★ |
| 16 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS50 of 133 counties · drug deductible $395Dental up to $2,000/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $140/yr | $0 | $5,850 | $5,850 | 3★ |
| 17 | DEVOTED CORE 008 VA (HMO)Devoted Health · HMO23 of 133 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $248/yr | $0 | $5,850 | $5,850 | Too new to rate |
| 18 | AARP Medicare Advantage Direct Plus from UHC VA-25 (HMO-POS)UnitedHealthcare · HMO-POS31 of 133 counties · drug deductible $595Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 19 | AARP Medicare Advantage Essentials from UHC VA-11 (HMO-POS)UnitedHealthcare · HMO-POS43 of 133 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 20 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS43 of 133 counties · drug deductible $395Dental up to $1,750/yr · eyewear $125/yr · hearing aids $2,000/yr · OTC items $100/yr | $0 | $5,900 | $5,900 | 3★ |
| 21 | DEVOTED CORE 001 VA (HMO)Devoted Health · HMO15 of 133 counties · drug deductible $650Dental up to $3,000/yr · eyewear $300/yr · OTC items $200/yr | $0 | $5,900 | $5,900 | Too new to rate |
| 22 | DEVOTED CORE 011 VA (HMO)Devoted Health · HMO16 of 133 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $200/yr | $0 | $5,900 | $5,900 | Too new to rate |
| 23 | HumanaChoice H5216-271 (PPO)Humana · PPO13 of 133 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr | $0 | $5,900 | $5,900 | 4★ |
| 24 | AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 counties · drug deductible $685Part B giveback $103/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$103 Part B giveback | $7,150 | $5,914 | 4★ |
| 25 | DEVOTED GIVEBACK EXTRAS 029 VA (HMO)Devoted Health · HMO15 of 133 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,500/yr · eyewear $350/yr · OTC items $732/yr | $0−$70 Part B giveback | $6,800 | $5,960 | Too new to rate |
| 26 | DEVOTED GIVEBACK EXTRAS 031 VA (HMO)Devoted Health · HMO23 of 133 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $348/yr | $0−$70 Part B giveback | $6,800 | $5,960 | Too new to rate |
| 27 | DEVOTED GIVEBACK EXTRAS 032 VA (HMO)Devoted Health · HMO16 of 133 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $728/yr | $0−$70 Part B giveback | $6,800 | $5,960 | Too new to rate |
| 28 | DEVOTED GIVEBACK 002 VA (HMO)Devoted Health · HMO15 of 133 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $372/yr | $0−$184.70 Part B giveback | $8,200 | $5,984 | Too new to rate |
| 29 | DEVOTED GIVEBACK 009 VA (HMO)Devoted Health · HMO23 of 133 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $352/yr | $0−$184.70 Part B giveback | $8,250 | $6,034 | Too new to rate |
| 30 | DEVOTED GIVEBACK 012 VA (HMO)Devoted Health · HMO16 of 133 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $372/yr | $0−$184.70 Part B giveback | $8,250 | $6,034 | Too new to rate |
| 31 | HealthSpring True Choice (PPO)HealthSpring · PPO11 of 133 counties · drug deductible $700Dental up to $850/yr · eyewear $100/yr | $6 | $6,250 | $6,322 | 3★ |
| 32 | AARP Medicare Advantage from UHC VA-0012 (HMO-POS)UnitedHealthcare · HMO-POS43 of 133 counties · drug deductible $685Dental up to $3,500/yr · eyewear $150/yr · hearing aids $700/yr | $36 | $5,900 | $6,332 | 4★ |
| 33 | HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS11 of 133 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · OTC items $60/yr | $0 | $6,500 | $6,500 | 3★ |
| 34 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS18 of 133 counties · drug deductible $395Dental up to $1,200/yr · eyewear $150/yr · hearing aids $2,000/yr · OTC items $100/yr | $29 | $6,300 | $6,648 | 3★ |
| 35 | Anthem Medicare Advantage 4 (HMO-POS)Anthem HealthKeepers · HMO-POS22 of 133 counties · drug deductible $250Dental up to $2,000/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $140/yr | $0 | $6,825 | $6,825 | 3★ |
| 36 | Humana Gold Choice H8145-091 (PFFS)Humana · PFFS11 of 133 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $28 | $6,500 | $6,836 | 4★ |
| 37 | AARP Medicare Advantage Direct OTC from UHC VA-28 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 38 | AARP Medicare Advantage Direct Plus from UHC VA-24 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $595Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 39 | AARP Medicare Advantage Extras from UHC VA-29 (HMO-POS)UnitedHealthcare · HMO-POS31 of 133 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 40 | AARP Medicare Advantage Extras from UHC VA-30 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $685Dental up to $5,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 41 | AARP Medicare Advantage from UHC VA-0003 (PPO)UnitedHealthcare · PPO9 of 133 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $21 | $6,700 | $6,952 | 4.5★ |
| 42 | HumanaChoice H5216-100 (PPO)Humana · PPO13 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $46 | $6,500 | $7,052 | 4★ |
| 43 | AARP Medicare Advantage from UHC VA-0004 (PPO)UnitedHealthcare · PPO12 of 133 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 44 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO3 of 133 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 45 | Aetna Medicare Signature Plus (HMO-POS)Aetna Medicare · HMO-POS22 of 133 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 46 | Humana Value Choice (PPO)Humana · PPO74 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $400/yr | $0 | $7,150 | $7,150 | 4★ |
| 47 | Humana Value Choice (PPO)Humana · PPO91 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $400/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 48 | UHC Medicare Advantage TC-0001 (PPO)UnitedHealthcare · PPO14 of 133 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 49 | Kaiser Permanente Medicare Advantage Care Plus VA (HMO-POS)Kaiser Permanente · HMO-POS9 of 133 counties · drug deductible $0Dental up to $2,000/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $160/yr | $30 | $6,900 | $7,260 | 4.5★ |
| 50 | Kaiser Permanente Medicare Advantage Standard 1 VA (HMO-POS)Kaiser Permanente · HMO-POS12 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $100/yr | $15 | $7,150 | $7,330 | 4.5★ |
| 51 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO67 of 133 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $750/yr per ear · OTC items $60/yr | $41 | $6,900 | $7,392 | 4★ |
| 52 | AARP Medicare Advantage from UHC VA-0007 (PPO)UnitedHealthcare · PPO29 of 133 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,500 | $7,500 | 4.5★ |
| 53 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO24 of 133 counties · drug deductible $700Dental up to $1,500/yr · eyewear $300/yr · hearing aids $1,000/yr per ear · OTC items $260/yr | $0 | $7,500 | $7,500 | 4★ |
| 54 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS62 of 133 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $240/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 55 | Aetna Medicare Premier (PPO)Aetna Medicare · PPO70 of 133 counties · drug deductible $700Dental up to $1,500/yr · eyewear $275/yr · hearing aids $2,000/yr per ear · OTC items $240/yr | $79 | $6,750 | $7,698 | 4★ |
| 56 | Kaiser Permanente Medicare Advantage Standard 2 VA (HMO-POS)Kaiser Permanente · HMO-POS12 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $140/yr | $25 | $7,400 | $7,700 | 4.5★ |
| 57 | AARP Medicare Advantage from UHC VA-0005 (PPO)UnitedHealthcare · PPO12 of 133 counties · drug deductible $685Part B giveback $13/mo · Preventive dental · hearing aids $700/yr | $0−$13 Part B giveback | $7,900 | $7,744 | 4.5★ |
| 58 | AARP Medicare Advantage from UHC VA-0010 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $51 | $7,150 | $7,762 | 4★ |
| 59 | Kaiser Permanente Medicare Advantage Value 1 VA (HMO-POS)Kaiser Permanente · HMO-POS5 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $7,900 | $7,900 | 4.5★ |
| 60 | Kaiser Permanente Medicare Advantage High VA (HMO-POS)Kaiser Permanente · HMO-POS12 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $100/yr | $145 | $6,200 | $7,940 | 4.5★ |
| 61 | Aetna Medicare Enhanced Plus (PPO)Aetna Medicare · PPO29 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $240/yr | $48 | $7,500 | $8,076 | 4★ |
| 62 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO17 of 133 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $750/yr per ear | $92 | $7,150 | $8,254 | 4★ |
| 63 | Humana Direct Choice Giveback (PPO)Humana · PPO18 of 133 counties · drug deductible $700Part B giveback $126/mo · Dental · eyewear $150/yr | $0−$126 Part B giveback | $9,850 | $8,338 | 4★ |
| 64 | Humana Essentials Plus Giveback (PPO)Humana · PPO87 of 133 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4★ |
| 65 | Humana Essentials Plus Giveback (PPO)Humana · PPO110 of 133 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4.5★ |
| 66 | Humana Gold Plus Giveback H1036-334 (HMO)Humana · HMO19 of 133 counties · drug deductible $700Part B giveback $113/mo · Dental · eyewear $100/yr | $0−$113 Part B giveback | $9,850 | $8,494 | 4.5★ |
| 67 | Humana Gold Plus Giveback H6622-090 (HMO)Humana · HMO19 of 133 counties · drug deductible $700Part B giveback $113/mo · Dental · eyewear $100/yr | $0−$113 Part B giveback | $9,850 | $8,494 | 4★ |
| 68 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS15 of 133 counties · drug deductible $250Preventive dental · eyewear $125/yr · hearing aids $3,000/yr | $0 | $8,650 | $8,650 | 3★ |
| 69 | Kaiser Permanente Medicare Advantage Value 2 VA (HMO-POS)Kaiser Permanente · HMO-POS7 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $8,700 | $8,700 | 4.5★ |
| 70 | AARP Medicare Advantage Essentials from UHC VA-6 (PPO)UnitedHealthcare · PPO55 of 133 counties · drug deductible $685Preventive dental · eyewear $100/yr | $0 | $8,900 | $8,900 | 4.5★ |
| 71 | AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS)UnitedHealthcare · HMO-POS55 of 133 counties · drug deductible $685Part B giveback $77/mo · Dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$77 Part B giveback | $9,850 | $8,926 | 4★ |
| 72 | Aetna Medicare Elite (HMO-POS)Aetna Medicare · HMO-POS16 of 133 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $240/yr | $70 | $8,200 | $9,040 | 3.5★ |
| 73 | Humana Gold Plus H5377-002 (HMO-POS)Humana · HMO-POS20 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $200/yr | $0 | $9,250 | $9,250 | 4★ |
| 74 | Johns Hopkins Advantage MD Select (HMO)Johns Hopkins Advantage MD · HMO8 of 133 counties · drug deductible $250Dental up to $1,500/yr · eyewear $200/yr · OTC items $100/yr | $0 | $9,250 | $9,250 | Not rated |
| 75 | AARP Medicare Advantage Extras from UHC VA-18 (PPO)UnitedHealthcare · PPO55 of 133 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $9,300 | $9,300 | 4★ |
| 76 | Anthem Medicare Advantage (PPO)Anthem Blue Cross and Blue Shield · PPO94 of 133 counties · drug deductible $250Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $30 | $8,950 | $9,310 | 3★ |
| 77 | Anthem Medicare Advantage 2 (PPO)Anthem Blue Cross and Blue Shield · PPO16 of 133 counties · drug deductible $215Dental up to $1,750/yr · eyewear $150/yr · OTC items $100/yr | $32 | $8,950 | $9,334 | 3★ |
| 78 | Aetna Medicare Elite Extra (HMO)Aetna Medicare · HMO16 of 133 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 79 | Aetna Medicare Prime Elite (HMO)Aetna Medicare · HMO10 of 133 counties · drug deductible $700Preventive dental · eyewear $125/yr · hearing aids $750/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 80 | Anthem Medicare Advantage 2 (HMO-POS)Anthem HealthKeepers · HMO-POS47 of 133 counties · drug deductible $300Preventive dental · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 81 | Humana Gold Plus H5619-047 (HMO)Humana · HMO15 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 82 | Humana Gold Plus H5619-135 (HMO)Humana · HMO12 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $0 | $9,850 | $9,850 | 4★ |
| 83 | Humana Gold Plus H5619-157 (HMO)Humana · HMO37 of 133 counties · drug deductible $450Dental up to $1,500/yr · eyewear $200/yr | $0 | $9,850 | $9,850 | 4★ |
| 84 | Humana Gold Plus H6622-085 (HMO)Humana · HMO110 of 133 counties · drug deductible $400Dental up to $1,500/yr · eyewear $550/yr | $0 | $9,850 | $9,850 | 4★ |
| 85 | Humana Total Complete (HMO)Humana · HMO84 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $250/yr | $0 | $9,850 | $9,850 | 4★ |
| 86 | Humana Total Complete (HMO)Humana · HMO91 of 133 counties · drug deductible $700Dental up to $2,500/yr · eyewear $300/yr | $0 | $9,850 | $9,850 | 4★ |
| 87 | HumanaChoice H5216-363 (PPO)Humana · PPO118 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 88 | HumanaChoice H5216-408 (PPO)Humana · PPO112 of 133 counties · drug deductible $700Dental up to $3,000/yr · eyewear $300/yr | $0 | $9,850 | $9,850 | 4★ |
| 89 | UHC Medicare Advantage VA-0001 (PPO)UnitedHealthcare · PPO10 of 133 counties · drug deductible $685Dental up to $2,500/yr · eyewear $125/yr · hearing aids $700/yr | $38 | $9,850 | $10,306 | 3.5★ |
| 90 | Humana Gold Choice H8145-004 (PFFS)Humana · PFFS46 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $43 | $9,850 | $10,366 | 4★ |
| 91 | HumanaChoice H5216-144 (PPO)Humana · PPO34 of 133 counties · drug deductible $700Dental · eyewear $100/yr | $46 | $9,850 | $10,402 | 4★ |
| 92 | HumanaChoice H7617-125 (PPO)Humana · PPO92 of 133 counties · drug deductible $450Dental · eyewear $100/yr | $58 | $9,850 | $10,546 | 4.5★ |
| 93 | HumanaChoice H5216-027 (PPO)Humana · PPO36 of 133 counties · drug deductible $700Dental · eyewear $100/yr | $74 | $9,850 | $10,738 | 4★ |
| 94 | Humana Full Access (Regional PPO)Humana · Regional PPOAll 133 counties · drug deductible $700Dental · eyewear $150/yr | $158 | $9,850 | $11,746 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 12 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (HMO)Humana · HMO13 of 133 countiesPart B giveback $120/mo · Dental up to $1,000/yr · eyewear $150/yr | $0−$120 Part B giveback | $3,500 | $2,060 | 4★ |
| 2 | AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 countiesPart B giveback $165/mo · Dental up to $4,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$165 Part B giveback | $4,450 | $2,470 | 4★ |
| 3 | HumanaChoice H5216-152 (PPO)Humana · PPO78 of 133 countiesDental up to $2,500/yr · eyewear $350/yr | $0 | $3,400 | $3,400 | 4★ |
| 4 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO117 of 133 countiesPart B giveback $100/mo · Dental up to $2,000/yr · eyewear $250/yr · hearing aids $1,500/yr per ear · OTC items $360/yr | $0−$100 Part B giveback | $6,750 | $5,550 | 4★ |
| 5 | Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPO103 of 133 countiesPart B giveback $80/mo · Dental up to $2,250/yr · eyewear $200/yr · hearing aids $1,000/yr · OTC items $140/yr | $0−$80 Part B giveback | $6,800 | $5,840 | 3★ |
| 6 | Kaiser Permanente Medicare Advantage Liberty (HMO)Kaiser Permanente · HMO12 of 133 countiesDental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $5,900 | $5,900 | 4.5★ |
| 7 | AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO)UnitedHealthcare · PPO117 of 133 countiesPart B giveback $165/mo · Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $0−$165 Part B giveback | $8,900 | $6,920 | 4.5★ |
| 8 | Humana USAA Honor Giveback (PPO)Humana · PPO105 of 133 countiesPart B giveback $162/mo · Dental up to $500/yr · eyewear $150/yr | $0−$162 Part B giveback | $9,850 | $7,906 | 4★ |
| 9 | Humana USAA Honor Giveback (PPO)Humana · PPO110 of 133 countiesPart B giveback $162/mo · Dental up to $500/yr · eyewear $150/yr | $0−$162 Part B giveback | $9,850 | $7,906 | 4.5★ |
| 10 | Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPOAll 133 countiesPart B giveback $52/mo · Dental up to $1,750/yr · eyewear $150/yr | $0−$52 Part B giveback | $9,850 | $9,226 | 3.5★ |
| 11 | Humana Gold Choice H8145-042 (PFFS)Humana · PFFS43 of 133 countiesDental up to $750/yr · eyewear $200/yr | $0 | $9,850 | $9,850 | 4★ |
| 12 | HumanaChoice R0110-004 (Regional PPO)Humana · Regional PPOAll 133 countiesDental up to $1,500/yr · eyewear $350/yr | $0 | $9,850 | $9,850 | 3.5★ |
County pages
Albemarle County · Alexandria City · Arlington County · Chesapeake City · Chesterfield County · Fairfax County · Hampton City · Hanover County · Henrico County · Loudoun County · Newport News City · Norfolk City · Prince William County · Richmond City · Roanoke City · Spotsylvania County · Stafford County · Virginia Beach City
Questions
How many Medicare Advantage plans are available in Virginia for 2027?
CMS lists 94 general-audience Medicare Advantage plans with drug coverage in Virginia for 2027, from 8 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Virginia?
Yes. 66 of the 94 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Virginia Medicare Advantage plan has the lowest worst-case cost?
Humana Gold Plus H5619-090 (HMO) from Humana: $106 a month with an in-network out-of-pocket maximum of $2,250, so at most about $3,522 in premiums and in-network costs for the year. It is offered in 13 of 133 counties.
Which Virginia Medicare Advantage plans have 4 or more stars?
62 of the 94 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Virginia Medicare Advantage plans have a Part B giveback?
15 of the 94 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $184.70 a month, from DEVOTED GIVEBACK 002 VA (HMO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Virginia?
The median in-network out-of-pocket maximum among these plans is $7,150. CMS allows up to $9,850 in 2027.
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.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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