Medicare plans in Niagara County, NY
63 plans are approved for Niagara County, and 26 of them have no monthly premium. 60 carry a CMS star rating.
73.3% of the 55,405 people eligible for Medicare in Niagara County are already in a Medicare Advantage plan (September 2026).
All plans · Medicare Advantage · Special Needs Plans · Part D drug plans
| Plan | Premium a month | Most you can pay a year | Drug deductible | Stars | Enrolled here |
|---|---|---|---|---|---|
| Independent Health's Encompass 65 (HMO) Independent Health · HMO |
$0 | $6,750 | Not published | 5.0/5 | 368 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO |
$0 | $7,900 | $615 | 4.5/5 | 1,184 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO |
$0 | $9,250 | Not published | 4.5/5 | 85 |
| Freedom Valor (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO |
$0 | $6,700 | Not published | 4.5/5 | 46 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP HEALTH CARE · HMO-POS |
$0 | $7,200 | Not published | 4.0/5 | Fewer than 11 |
| Univera Medicare Freedom (HMO-POS) Excellus Health Plan, Inc · HMO-POS |
$0 | $4,500 | Not published | 4.0/5 | 45 |
| Univera SeniorChoice Basic (HMO) Excellus Health Plan, Inc · HMO |
$0 | $8,500 | $615 | 4.0/5 | 3,888 |
| Univera SeniorChoice Extra (HMO) Excellus Health Plan, Inc · HMO |
$0 | $8,500 | $615 | 4.0/5 | 1,898 |
| Senior Blue 601 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO |
$0 | $6,700 | Not published | 4.0/5 | 46 |
| Community Blue Medicare HMO Signature (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO |
$0 | $6,750 | $615 | 4.0/5 | 1,557 |
| Community Blue Medicare HMO Merit (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO |
$0 | $8,300 | $615 | 4.0/5 | 228 |
| Wellcare Advantage Enhanced (PFFS) Wellcare · PFFS |
$0 | $4,300 | Not published | 3.5/5 | Fewer than 11 |
| Wellcare Advantage Simple (PFFS) Wellcare · PFFS |
$0 | $6,700 | Not published | 3.5/5 | Fewer than 11 |
| AARP Medicare Advantage from UHC NY-0007 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $8,300 | $440 | 3.5/5 | 3,444 |
| UHC Complete Care NY-30 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP |
$0 | $8,300 | $440 | 3.5/5 | 730 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $6,700 | Not published | 3.5/5 | 146 |
| Wellcare Simple Open (PPO) Wellcare · PPO |
$0 | $9,250 | $615 | 3.0/5 | 236 |
| Wellcare Giveback Open (PPO) Wellcare · PPO |
$0 | $9,250 | $615 | 3.0/5 | 199 |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare · HMO-POS |
$0 | $6,750 | $500 | 3.0/5 | 575 |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) Humana · HMO D-SNP |
$0 | $9,250 | $615 | 3.0/5 | 164 |
| Wellcare Patriot Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $6,700 | Not published | 3.0/5 | 11 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $9,250 | $615 | 3.0/5 | 193 |
| Wellcare Fidelis Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $9,250 | $615 | 3.0/5 | 197 |
| Wellcare Fidelis Patriot Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $9,250 | Not published | 3.0/5 | Fewer than 11 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $4,950 | Not published | 3.0/5 | 110 |
| HumanaChoice Giveback H5970-030 (PPO) Humana · PPO |
$0 | $9,250 | $615 | 3.0/5 | 350 |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP) Humana · PPO D-SNP |
$0.90 | $9,250 | $615 | 3.0/5 | 359 |
| Aetna Medicare Partial Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP |
$5.90 | $9,250 | $615 | 3.0/5 | 26 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP |
$23.10 | $9,250 | $615 | 3.0/5 | 451 |
| VNS Health EasyCare (HMO) VNS Health Medicare · HMO |
$25.00 | $9,250 | $500 | 3.5/5 | Fewer than 11 |
| Aetna Medicare Premier (PPO) Aetna Medicare · PPO |
$27.00 | $6,900 | $500 | 4.5/5 | 2,995 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$31.00 | $9,250 | $615 | 4.0/5 | 123 |
| HumanaChoice H5970-029 (PPO) Humana · PPO |
$32.00 | $9,250 | $615 | 3.0/5 | 94 |
| Wellcare Fidelis Assist (HMO-POS) Wellcare · HMO-POS |
$32.50 | $9,250 | $615 | 3.0/5 | 169 |
| AARP Medicare Advantage from UHC NY-0019 (PPO) UnitedHealthcare · PPO |
$38.00 | $8,500 | $600 | 3.5/5 | 254 |
| Independent Health's Encompass 65 RED 042 (HMO) Independent Health · HMO |
$40.00 | $9,250 | $250 | 5.0/5 | 889 |
| Community Blue Medicare HMO Distinct (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO |
$49.00 | $6,750 | $615 | 4.0/5 | 167 |
| Univera SeniorChoice Advanced (HMO-POS) Excellus Health Plan, Inc · HMO-POS |
$50.80 | $7,500 | $300 | 4.0/5 | 742 |
| UHC Dual Complete NY-S001 (PPO D-SNP) UnitedHealthcare · PPO D-SNP |
$52.80 | $9,250 | $615 | 4.5/5 | 320 |
| Independent Health's Medicare Family Choice (HMO I-SNP) Independent Health · HMO I-SNP |
$58.80 | $3,000 | $0 | 5.0/5 | 205 |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) UnitedHealthcare · PPO I-SNP |
$58.80 | $9,250 | $615 | 4.5/5 | 123 |
| Independent Health's Medicare Passport Connect (PPO) Independent Health · PPO |
$58.80 | $9,250 | $615 | 4.5/5 | 89 |
| Aetna Medicare Longevity (PPO I-SNP) Aetna Medicare · PPO I-SNP |
$58.80 | $9,250 | $615 | 4.5/5 | Fewer than 11 |
| UHC Dual Complete NY-Y001 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$58.80 | $9,250 | $615 | 4.0/5 | Fewer than 11 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$58.80 | $9,250 | $615 | 4.0/5 | 2,805 |
| Wellcare Dual Access Open (PPO D-SNP) Wellcare · PPO D-SNP |
$58.80 | $9,250 | $510 | 3.0/5 | 277 |
| Wellcare Assist Open (PPO) Wellcare · PPO |
$58.80 | $9,250 | $530 | 3.0/5 | 94 |
| Wellcare Dual Access (HMO D-SNP) Wellcare · HMO D-SNP |
$58.80 | $9,250 | $410 | 3.0/5 | 168 |
| Wellcare Fidelis Dual Align (HMO D-SNP) Wellcare · HMO D-SNP |
$58.80 | $9,250 | $615 | 3.0/5 | 125 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) Wellcare · HMO D-SNP |
$58.80 | $9,250 | $580 | 3.0/5 | 943 |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) Nascentia Health Plus · HMO D-SNP |
$58.80 | $8,500 | $615 | Not enough data to rate | Fewer than 11 |
| Nascentia Skilled Nursing Facility (HMO I-SNP) Nascentia Health Plus · HMO I-SNP |
$58.80 | $6,000 | $615 | Not enough data to rate | Fewer than 11 |
| Nascentia Dual Advantage (HMO D-SNP) Nascentia Health Plus · HMO D-SNP |
$58.80 | $8,500 | $615 | Not enough data to rate | 18 |
| Univera SeniorChoice Value Plus (HMO-POS) Excellus Health Plan, Inc · HMO-POS |
$69.80 | $6,700 | $295 | 4.0/5 | 325 |
| Univera SeniorChoice Secure (HMO-POS) Excellus Health Plan, Inc · HMO-POS |
$83.20 | $6,000 | $250 | 4.0/5 | 711 |
| Independent Health's Encompass 65 RED 044 (HMO) Independent Health · HMO |
$95.00 | $7,500 | $150 | 5.0/5 | 2,237 |
| Senior Blue 651 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO |
$97.00 | $6,700 | $615 | 4.0/5 | 791 |
| Forever Blue Value (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO |
$152.00 | $6,700 | $615 | 4.5/5 | 306 |
| MVP Medicare WellSelect with Part D (PPO) MVP HEALTH CARE · PPO |
$160.00 | $9,250 | $615 | 3.5/5 | Fewer than 11 |
| Independent Health's Encompass 65 RED 043 (HMO) Independent Health · HMO |
$190.00 | $7,000 | $50 | 5.0/5 | 499 |
| Forever Blue 751 (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO |
$210.00 | $6,700 | $615 | 4.5/5 | 240 |
| MVP Medicare Preferred Gold with Part D (HMO-POS) MVP HEALTH CARE · HMO-POS |
$229.00 | $6,800 | $300 | 4.0/5 | Fewer than 11 |
| Univera SeniorChoice Core (PPO) Excellus Health Plan, Inc · PPO |
$232.20 | $4,000 | $615 | 3.5/5 | 29 |
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Premiums, deductibles, maximum out-of-pocket amounts, star ratings and sanctions are reproduced from the Centers for Medicare & Medicaid Services landscape file as published in the September 2026 release. Enrolment counts are from the CMS monthly enrolment file; CMS suppresses any count of ten or fewer, which is why many plans show “fewer than 11” rather than a number. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: see Medicare.gov or call 1-800-MEDICARE.