Medicare plans in Saratoga County, NY
53 plans are approved for Saratoga County, and 20 of them have no monthly premium. 50 carry a CMS star rating.
58.4% of the 59,048 people eligible for Medicare in Saratoga 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 |
|---|---|---|---|---|---|
| CDPHP $0 Medicare Rx (HMO) CDPHP Medicare Advantage · HMO |
$0 | $6,750 | $500 | 4.5/5 | 7,087 |
| Aetna Medicare Elite (PPO) Aetna Medicare · PPO |
$0 | $9,250 | $615 | 4.5/5 | 1,253 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO |
$0 | $9,250 | Not published | 4.5/5 | 112 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP HEALTH CARE · HMO-POS |
$0 | $7,200 | Not published | 4.0/5 | 39 |
| EmblemHealth VIP Value (HMO-POS) EmblemHealth · HMO-POS |
$0 | $7,500 | $215 | 4.0/5 | 187 |
| 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-29 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $6,700 | $600 | 3.5/5 | 2,285 |
| UHC Complete Care NY-33 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP |
$0 | $6,700 | $440 | 3.5/5 | 717 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $6,700 | Not published | 3.5/5 | 86 |
| Wellcare Simple Open (PPO) Wellcare · PPO |
$0 | $9,250 | $615 | 3.0/5 | 110 |
| Wellcare Giveback Open (PPO) Wellcare · PPO |
$0 | $9,250 | $615 | 3.0/5 | 91 |
| Aetna Medicare Signature (HMO) Aetna Medicare · HMO |
$0 | $9,250 | $615 | 3.0/5 | 375 |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) Humana · HMO D-SNP |
$0 | $9,250 | $615 | 3.0/5 | 64 |
| Wellcare Patriot Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $6,700 | Not published | 3.0/5 | Fewer than 11 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $9,250 | $615 | 3.0/5 | 49 |
| Wellcare Fidelis Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $9,250 | $615 | 3.0/5 | 165 |
| 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 | 74 |
| HumanaChoice Giveback H5970-030 (PPO) Humana · PPO |
$0 | $9,250 | $615 | 3.0/5 | 136 |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP) Humana · PPO D-SNP |
$0.90 | $9,250 | $615 | 3.0/5 | 124 |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$5.90 | $9,250 | $615 | 4.0/5 | 918 |
| Aetna Medicare Partial Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP |
$5.90 | $9,250 | $615 | 3.0/5 | 31 |
| CDPHP Core (HMO) CDPHP Medicare Advantage · HMO |
$15.00 | $6,100 | Not published | 4.5/5 | 136 |
| MVP Medicare Complete Wellness with Part D (PPO) MVP HEALTH CARE · PPO |
$15.00 | $9,250 | $615 | 3.5/5 | 1,639 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP |
$23.10 | $9,250 | $615 | 3.0/5 | 857 |
| VNS Health EasyCare (HMO) VNS Health Medicare · HMO |
$25.00 | $9,250 | $500 | 3.5/5 | Fewer than 11 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$31.00 | $9,250 | $615 | 4.0/5 | 72 |
| HumanaChoice H5970-029 (PPO) Humana · PPO |
$32.00 | $9,250 | $615 | 3.0/5 | 75 |
| Wellcare Fidelis Assist (HMO-POS) Wellcare · HMO-POS |
$32.50 | $9,250 | $615 | 3.0/5 | 54 |
| AARP Medicare Advantage from UHC NY-0015 (PPO) UnitedHealthcare · PPO |
$48.00 | $7,900 | $600 | 3.5/5 | 854 |
| Wellcare Premium Enhanced (PFFS) Wellcare · PFFS |
$50.00 | $3,400 | $615 | 3.5/5 | Fewer than 11 |
| UHC Dual Complete NY-S001 (PPO D-SNP) UnitedHealthcare · PPO D-SNP |
$52.80 | $9,250 | $615 | 4.5/5 | 297 |
| MVP DualAccess (HMO D-SNP) MVP HEALTH CARE · HMO D-SNP |
$54.60 | $9,250 | $615 | 4.0/5 | 373 |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) UnitedHealthcare · PPO I-SNP |
$58.80 | $9,250 | $615 | 4.5/5 | 112 |
| Aetna Medicare Longevity (PPO I-SNP) Aetna Medicare · PPO I-SNP |
$58.80 | $9,250 | $615 | 4.5/5 | 15 |
| MVP DualAccess Complete (HMO D-SNP) MVP HEALTH CARE · HMO D-SNP |
$58.80 | $9,250 | $615 | 4.0/5 | 57 |
| Wellcare Dual Access Open (PPO D-SNP) Wellcare · PPO D-SNP |
$58.80 | $9,250 | $510 | 3.0/5 | 46 |
| Wellcare Assist Open (PPO) Wellcare · PPO |
$58.80 | $9,250 | $530 | 3.0/5 | 26 |
| Wellcare Dual Access (HMO D-SNP) Wellcare · HMO D-SNP |
$58.80 | $9,250 | $410 | 3.0/5 | 38 |
| Wellcare Fidelis Dual Align (HMO D-SNP) Wellcare · HMO D-SNP |
$58.80 | $9,250 | $615 | 3.0/5 | 42 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) Wellcare · HMO D-SNP |
$58.80 | $9,250 | $580 | 3.0/5 | 485 |
| EmblemHealth VIP Dual (HMO D-SNP) EmblemHealth · HMO D-SNP |
$58.80 | $9,250 | $615 | 3.0/5 | Fewer than 11 |
| 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 | 17 |
| CDPHP Clear Rx (HMO) CDPHP Medicare Advantage · HMO |
$100.00 | $6,400 | $250 | 4.5/5 | 857 |
| Senior Blue 652 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO |
$104.00 | $6,700 | $615 | 4.0/5 | 380 |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · PPO |
$109.00 | $9,250 | $615 | 4.5/5 | 157 |
| MVP Medicare Secure Plus with Part D (HMO-POS) MVP HEALTH CARE · HMO-POS |
$116.00 | $6,000 | $400 | 4.0/5 | 1,002 |
| Wellcare Premium Ultra (PFFS) Wellcare · PFFS |
$127.00 | $3,400 | $615 | 3.5/5 | Fewer than 11 |
| CDPHP Choice Rx (HMO) CDPHP Medicare Advantage · HMO |
$135.00 | $6,000 | $0 | 4.5/5 | 4,263 |
| Forever Blue 770 (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO |
$220.00 | $6,700 | $615 | 4.5/5 | 192 |
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Plans arriving in or leaving Saratoga County, and premiums moving, when CMS republishes.
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Nearby and related
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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.