New York › Saratoga County
Medicare plans in Saratoga County, New York
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Saratoga County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (24 plans)
- Part D drug plans (10 plans)
- Special needs plans (20 plans)
- Medicare Advantage without drug coverage (9 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Saratoga County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Saratoga County
At a glance
- 33 Medicare Advantage plans are open to anyone with Medicare here; 18 charge no monthly premium.
- 6 give back part of your Part B premium, up to $115 a month.
- The lowest yearly limit on what you pay for in-network care is $3,400.
- 10 Part D drug plans, from $35.70 to $173.60 a month.
Medicare Advantage plans with drug coverage 24
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| HumanaChoice Giveback H5970-030 (PPO) Humana · H5970-030-000 | PPO | $0/moGives back $55/mo of your Part B premium | $9,250 | 3.0★ |
| Wellcare Giveback Open (PPO) Wellcare · H2775-111-000 | PPO | $0/moGives back $40/mo of your Part B premium | $9,250 | 3.0★ |
| Wellcare Simple Open (PPO) Wellcare · H2775-106-000 | PPO | $0/mo | $9,250 | 3.0★ |
| Aetna Medicare Signature (HMO) Aetna Medicare · H3312-062-000 | HMO | $0/mo | $9,250 | 3.0★ |
| EmblemHealth VIP Value (HMO-POS) EmblemHealth · H3330-048-000 | HMO-POS | $0/mo | $7,500 | 4.0★ |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) UnitedHealthcare · H3379-052-000 | HMO-POS | $0/mo | $6,700 | 3.5★ |
| CDPHP $0 Medicare Rx (HMO) CDPHP Medicare Advantage · H3388-014-000 | HMO | $0/mo | $6,750 | 4.5★ |
| Wellcare Simple (HMO-POS) Wellcare · H4868-019-000 | HMO-POS | $0/mo | $9,250 | 3.0★ |
| Aetna Medicare Elite (PPO) Aetna Medicare · H5521-119-000 | PPO | $0/mo | $9,250 | 4.5★ |
| Wellcare Fidelis Simple (HMO-POS) Wellcare By Fidelis Care · H5599-004-000 | HMO-POS | $0/mo | $9,250 | 3.0★ |
| MVP Medicare Complete Wellness with Part D (PPO) MVP HEALTH CARE · H9615-024-000 | PPO | $15/mo | $9,250 | 3.5★ |
| VNS Health EasyCare (HMO) VNS Health Medicare · H5549-012-000 | HMO | $25/mo | $9,250 | 3.5★ |
| Wellcare Fidelis Assist (HMO-POS) Wellcare By Fidelis Care · H5599-002-000 | HMO-POS | $32.50/moGives back $1/mo of your Part B premium | $9,250 | 3.0★ |
| HumanaChoice H5970-029 (PPO) Humana · H5970-029-000 | PPO | $32/mo | $9,250 | 3.0★ |
| AARP Medicare Advantage from UHC NY-0015 (PPO) UnitedHealthcare · H3418-004-000 | PPO | $48/mo | $7,900 | 3.5★ |
| Wellcare Premium Enhanced (PFFS) Wellcare · H2816-019-000 | PFFS | $50/mo | $3,400 | 3.5★ |
| Wellcare Assist Open (PPO) Wellcare · H2775-113-000 | PPO | $58.80/mo | $9,250 | 3.0★ |
| CDPHP Clear Rx (HMO) CDPHP Medicare Advantage · H3388-020-000 | HMO | $100/mo | $6,400 | 4.5★ |
| Senior Blue 652 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · H3384-013-000 | HMO | $104/mo | $6,700 | 4.0★ |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · H5521-669-000 | PPO | $109/mo | $9,250 | 4.5★ |
| MVP Medicare Secure Plus with Part D (HMO-POS) MVP HEALTH CARE · H3305-022-000 | HMO-POS | $116/mo | $6,000 | 4.0★ |
| Wellcare Premium Ultra (PFFS) Wellcare · H2816-013-000 | PFFS | $127/mo | $3,400 | 3.5★ |
| CDPHP Choice Rx (HMO) CDPHP Medicare Advantage · H3388-002-000 | HMO | $135/mo | $6,000 | 4.5★ |
| Forever Blue 770 (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · H5526-018-000 | PPO | $220/mo | $6,700 | 4.5★ |
Part D drug plans 10
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout New York.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-013-000 | $35.70/mo | $615 | 2.5★ |
| Wellcare Value Script (PDP) Wellcare · S4802-138-000 | $42.40/mo | $615 | 3.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-077-000 | $45.70/mo | $615 | 3.5★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-353-000 | $91.60/mo | $615 | 2.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-379-000 | $105.80/mo | $615 | 2★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-006-000 | $116/mo | $615 | 3★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-216-000 | $140.90/mo | $615 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-218-000 | $158.90/mo | $601 | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-382-000 | $163.70/mo | $130 | 2★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-217-000 | $173.60/mo | None | 3★ |
Special needs plans 20
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) UnitedHealthcare · H2292-001-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $58.80/moGives back $72/mo of your Part B premium | $9,250 | 4.5★ |
| UHC Complete Care NY-33 (HMO-POS C-SNP) UnitedHealthcare · H3379-056-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $6,700 | 3.5★ |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) Humana · H3533-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.0★ |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP) Humana · H5970-020-000 | PPO | Only for people who have Medicaid as well as Medicare | $0.90/mo | $9,250 | 3.0★ |
| Aetna Medicare Partial Dual (HMO D-SNP) Aetna Medicare · H3312-089-000 | HMO | Only for people who have Medicaid as well as Medicare | $5.90/mo | $9,250 | 3.0★ |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) UnitedHealthcare · H3387-017-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $5.90/mo | $9,250 | 4.0★ |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · H3312-070-000 | HMO | Only for people who have Medicaid as well as Medicare | $23.10/mo | $9,250 | 3.0★ |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) UnitedHealthcare · H3387-015-001 | HMO-POS | Only for people who have Medicaid as well as Medicare | $31/mo | $9,250 | 4.0★ |
| UHC Dual Complete NY-S001 (PPO D-SNP) UnitedHealthcare · H2001-063-001 | PPO | Only for people who have Medicaid as well as Medicare | $52.80/mo | $9,250 | 4.5★ |
| MVP DualAccess (HMO D-SNP) MVP HEALTH CARE · H3305-033-000 | HMO | Only for people who have Medicaid as well as Medicare | $54.60/mo | $9,250 | 4.0★ |
| Wellcare Dual Access Open (PPO D-SNP) Wellcare · H2775-112-000 | PPO | Only for people who have Medicaid as well as Medicare | $58.80/mo | $9,250 | 3.0★ |
| MVP DualAccess Complete (HMO D-SNP) MVP HEALTH CARE · H3305-034-000 | HMO | Only for people who have Medicaid as well as Medicare | $58.80/mo | $9,250 | 4.0★ |
| Wellcare Dual Access (HMO D-SNP) Wellcare · H4868-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $58.80/mo | $9,250 | 3.0★ |
| Aetna Medicare Longevity (PPO I-SNP) Aetna Medicare · H5521-461-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $58.80/mo | $9,250 | 4.5★ |
| Wellcare Fidelis Dual Align (HMO D-SNP) Wellcare By Fidelis Care · H5599-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $58.80/mo | $9,250 | 3.0★ |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) Wellcare By Fidelis Care · H5599-013-001 | HMO | Only for people who have Medicaid as well as Medicare | $58.80/mo | $9,250 | 3.0★ |
| EmblemHealth VIP Dual (HMO D-SNP) EmblemHealth · H5991-012-002 | HMO | Only for people who have Medicaid as well as Medicare | $58.80/mo | $9,250 | 3.0★ |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) Nascentia Health Plus · H9066-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $58.80/mo | $8,500 | 2.5★ |
| Nascentia Skilled Nursing Facility (HMO I-SNP) Nascentia Health Plus · H9066-002-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $58.80/mo | $6,000 | 2.5★ |
| Nascentia Dual Advantage (HMO D-SNP) Nascentia Health Plus · H9066-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $58.80/mo | $8,500 | 2.5★ |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: PACE at Hudson Headwaters, Inc. (PACE), PACE at Hudson Headwaters, Inc. - Medicare Only (PACE).
Medicare Advantage plans without drug coverage 9
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) UnitedHealthcare · H3379-060-000 | HMO-POS | $0/moGives back $115/mo of your Part B premium | $6,700 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H5970-016-000 | PPO | $0/moGives back $110/mo of your Part B premium | $4,950 | 3.0★ |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · H5521-323-000 | PPO | $0/moGives back $75/mo of your Part B premium | $9,250 | 4.5★ |
| Wellcare Advantage Enhanced (PFFS) Wellcare · H2816-037-000 | PFFS | $0/mo | $4,300 | 3.5★ |
| Wellcare Advantage Simple (PFFS) Wellcare · H2816-038-000 | PFFS | $0/mo | $6,700 | 3.5★ |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP HEALTH CARE · H3305-020-000 | HMO-POS | $0/mo | $7,200 | 4.0★ |
| Wellcare Patriot Simple (HMO-POS) Wellcare · H4868-003-000 | HMO-POS | $0/mo | $6,700 | 3.0★ |
| Wellcare Fidelis Patriot Simple (HMO-POS) Wellcare By Fidelis Care · H5599-010-000 | HMO-POS | $0/mo | $9,250 | 3.0★ |
| CDPHP Core (HMO) CDPHP Medicare Advantage · H3388-001-000 | HMO | $15/mo | $6,100 | 4.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $265–$840/mo from 11 companies.
- Plan N: $269–$583/mo from 9 companies.
Discussion
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