Best Medicare Advantage Plans in Monongalia County, WV for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Monongalia 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.
Monongalia County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | The Health Plan SecureChoice Optimum (PPO)The Health Plan · PPOAll 55 counties · drug deductible $425Dental up to $1,000/yr · eyewear $150/yr · OTC items $200/yr | $0 | $7,000 | $7,000 | 3★ |
| 2 | Peak Advantage Summit (PPO)Peak Health · PPO44 of 55 counties · drug deductible $0Dental up to $3,500/yr · OTC items $280/yr | $25 | $6,750 | $7,050 | 5★ |
| 3 | AARP Medicare Advantage from UHC WV-0003 (PPO)UnitedHealthcare · PPOAll 55 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 3★ |
| 4 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO20 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 5 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO20 of 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $200/yr | $60 | $6,750 | $7,470 | 3.5★ |
| 6 | Peak Advantage Vista (PPO)Peak Health · PPO44 of 55 counties · drug deductible $0Dental up to $3,000/yr · OTC items $220/yr | $0 | $7,500 | $7,500 | 5★ |
| 7 | The Health Plan SecureCare - Option II (HMO)The Health Plan · HMOAll 55 counties · drug deductible $395Dental up to $1,000/yr · eyewear $150/yr | $13 | $7,500 | $7,656 | 3.5★ |
| 8 | AARP Medicare Advantage from UHC WV-0004 (PPO)UnitedHealthcare · PPOAll 55 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $51 | $7,150 | $7,762 | 3★ |
| 9 | The Health Plan SecureChoice Reliance (PPO)The Health Plan · PPOAll 55 counties · drug deductible $300Dental up to $1,000/yr · eyewear $200/yr | $67 | $7,000 | $7,804 | 3★ |
| 10 | HumanaChoice H5216-425 (PPO)Humana · PPOAll 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $29 | $7,600 | $7,948 | 4★ |
| 11 | HumanaChoice R0110-008 (Regional PPO)Humana · Regional PPOAll 55 counties · drug deductible $700Dental · eyewear $100/yr | $75 | $7,150 | $8,050 | 3.5★ |
| 12 | AARP Medicare Advantage from UHC WV-0001 (PPO)UnitedHealthcare · PPOAll 55 counties · drug deductible $685Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $85 | $7,150 | $8,170 | 3★ |
| 13 | Freedom Blue PPO Standard (PPO)Highmark Blue Cross Blue Shield · PPO30 of 55 counties · drug deductible $700Preventive dental · eyewear $225/yr · hearing aids $500/yr | $152 | $6,500 | $8,324 | 3.5★ |
| 14 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 55 counties · drug deductible $700Part B giveback $115/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$115 Part B giveback | $9,850 | $8,470 | 4.5★ |
| 15 | AARP Medicare Advantage from UHC WV-6 (HMO-POS)UnitedHealthcare · HMO-POS38 of 55 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $8,500 | $8,500 | 4★ |
| 16 | Humana Full Access (PPO)Humana · PPO53 of 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $121 | $7,150 | $8,602 | 4★ |
| 17 | Aetna Medicare Advantra Classic Giveback (PPO)Aetna Medicare · PPO30 of 55 counties · drug deductible $400Part B giveback $33/mo · Preventive dental · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0−$33 Part B giveback | $9,250 | $8,854 | 4★ |
| 18 | Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO30 of 55 counties · drug deductible $400Part B giveback $33/mo · Preventive dental · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0−$33 Part B giveback | $9,250 | $8,854 | 4★ |
| 19 | Aetna Medicare Advantra Elite (HMO)Aetna Medicare · HMO13 of 55 counties · drug deductible $400Dental up to $1,750/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $200/yr | $0 | $9,250 | $9,250 | 3.5★ |
| 20 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO13 of 55 counties · drug deductible $400Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $160/yr | $0 | $9,250 | $9,250 | 3.5★ |
| 21 | Aetna Medicare Premier (PPO)Aetna Medicare · PPO33 of 55 counties · drug deductible $400Dental up to $2,500/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $360/yr | $109 | $9,850 | $11,158 | 4★ |
| 22 | Aetna Medicare Premier Classic (PPO)Aetna Medicare · PPO33 of 55 counties · drug deductible $400Dental up to $2,500/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $360/yr | $109 | $9,850 | $11,158 | 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: 31 in 2026, 30 in 2027.
- $0-premium plans: 20 in 2026, 18 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $7,325 in 2027.
- 3,965 people here were in a general-audience Advantage plan in October 2026; 723 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 R0110-007 (Regional PPO), Aetna Medicare Advantra Eagle Plus (HMO), Freedom Blue PPO Valor (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS), The Health Plan SecureCare Integrity Plan 1 (HMO), AARP Medicare Advantage Patriot No Rx WV-MA01 (PPO).
Questions
How many Medicare Advantage plans are in Monongalia County for 2027?
22 general-audience plans with drug coverage, 10 of them with a $0 monthly premium, compared with 31 plans and 20 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Monongalia County?
The Health Plan SecureChoice Optimum (PPO) from The Health Plan: $0 a month with an in-network out-of-pocket maximum of $7,000, so at most about $7,000 for the year in premiums and in-network costs.
Do any Monongalia County plans have a Part B giveback?
3 do. The largest is $115 a month off your Part B premium, from Humana Essentials Plus Giveback (PPO).
How many Monongalia County plans have 4 or more stars?
10 of 22, 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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