Pennsylvania › Montgomery County
Medicare plans in Montgomery County, Pennsylvania
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Montgomery 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 (49 plans)
- Part D drug plans (12 plans)
- Special needs plans (30 plans)
- Medicare Advantage without drug coverage (12 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 Montgomery 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 Montgomery County
At a glance
- 61 Medicare Advantage plans are open to anyone with Medicare here; 34 charge no monthly premium.
- 18 give back part of your Part B premium, up to $184.70 a month.
- The lowest yearly limit on what you pay for in-network care is $1,500.
- 12 Part D drug plans, from $6.60 to $193.20 a month.
Medicare Advantage plans with drug coverage 49
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 |
|---|---|---|---|---|
| DEVOTED CHOICE GIVEBACK 003 PA (PPO) Devoted Health · H6018-003-000 | PPO | $0/moGives back $184.70/mo of your Part B premium | $9,250 | 3.5★ |
| HealthSpring Preferred Savings (HMO) Cigna Healthcare · H3949-053-000 | HMO | $0/moGives back $175/mo of your Part B premium | $9,000 | 3.0★ |
| Jefferson Health Plans Giveback (HMO) Jefferson Health Plans · H9207-015-000 | HMO | $0/moGives back $140/mo of your Part B premium | $9,250 | 3.5★ |
| HumanaChoice Giveback H5525-085 (PPO) Humana · H5525-085-002 | PPO | $0/moGives back $110/mo of your Part B premium | $8,000 | 3.5★ |
| Humana USAA Honor Giveback with Rx (PPO) Humana · H5525-059-000 | PPO | $0/moGives back $90/mo of your Part B premium | $7,350 | 3.5★ |
| AARP Medicare Advantage Giveback from UHC PA-12 (PPO) UnitedHealthcare · H2406-101-000 | PPO | $0/moGives back $60/mo of your Part B premium | $8,900 | 4.0★ |
| Aetna Medicare Advantra Signature Giveback (PPO) Aetna Medicare · H5522-017-000 | PPO | $0/moGives back $44/mo of your Part B premium | $9,250 | 4.5★ |
| Humana Gold Plus H6622-037 (HMO) Humana · H6622-037-000 | HMO | $0/moGives back $1/mo of your Part B premium | $7,800 | 3.5★ |
| Jefferson Health Plans Flex (PPO) Jefferson Health Plans · H1619-001-000 | PPO | $0/mo | $7,000 | 3.5★ |
| AARP Medicare Advantage from UHC PA-0010 (PPO) UnitedHealthcare · H2406-071-000 | PPO | $0/mo | $6,700 | 4.0★ |
| Wellcare Simple (HMO-POS) Wellcare · H2915-003-000 | HMO-POS | $0/mo | $6,200 | 3.5★ |
| Personal Choice 65 Achieve Rx (PPO) Independence Blue Cross · H3909-020-000 | PPO | $0/mo | $6,750 | 4.0★ |
| HealthSpring Preferred PA (HMO) Cigna Healthcare · H3949-031-000 | HMO | $0/mo | $6,750 | 3.0★ |
| HealthSpring Preferred (HMO) Cigna Healthcare · H3949-052-000 | HMO | $0/mo | $6,500 | 3.0★ |
| Keystone 65 Basic Rx (HMO) Independence Blue Cross · H3952-055-000 | HMO | $0/mo | $8,500 | 4.0★ |
| Aetna Medicare Advantra Signature (HMO-POS) Aetna Medicare · H3959-052-000 | HMO-POS | $0/mo | $7,500 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC PA-5 (HMO-POS) UnitedHealthcare · H5253-154-000 | HMO-POS | $0/mo | $6,700 | 4.0★ |
| AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) UnitedHealthcare · H5253-203-000 | HMO-POS | $0/mo | $6,700 | 4.0★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5522-028-000 | PPO | $0/mo | $9,250 | 4.5★ |
| HumanaChoice H5525-051 (PPO) Humana · H5525-051-002 | PPO | $0/mo | $7,800 | 3.5★ |
| DEVOTED CHOICE 007 PA (PPO) Devoted Health · H6018-007-000 | PPO | $0/mo | $5,900 | 3.5★ |
| DEVOTED CORE 023 PA (HMO) Devoted Health · H6852-023-000 | HMO | $0/mo | $7,500 | 3.0★ |
| HealthSpring True Choice (PPO) Cigna Healthcare · H7849-151-000 | PPO | $0/mo | $6,800 | 3.0★ |
| Jefferson Health Plans Complete (HMO) Jefferson Health Plans · H9207-012-000 | HMO | $0/mo | $6,500 | 3.5★ |
| Keystone 65 Focus Rx (HMO-POS) Independence Blue Cross · H3952-054-000 | HMO-POS | $15/moGives back $2/mo of your Part B premium | $6,750 | 4.0★ |
| Jefferson Health Plans Flex Pro (PPO) Jefferson Health Plans · H1619-003-000 | PPO | $18/mo | $6,000 | 3.5★ |
| Geisinger Gold Value Rx (HMO) Geisinger Gold · H3954-163-000 | HMO | $23/mo | $9,250 | 4.5★ |
| HumanaChoice H5525-005 (PPO) Humana · H5525-005-000 | PPO | $26/mo | $8,300 | 3.5★ |
| HumanaChoice H5525-086 (PPO) Humana · H5525-086-002 | PPO | $29/mo | $6,050 | 3.5★ |
| HealthSpring Preferred Plus (HMO) Cigna Healthcare · H3949-030-000 | HMO | $31/mo | $6,750 | 3.0★ |
| Keystone 65 Essential Rx (HMO-POS) Independence Blue Cross · H3952-060-000 | HMO-POS | $31/mo | $8,500 | 4.0★ |
| Jefferson Health Plans Flex Plus (PPO) Jefferson Health Plans · H1619-002-000 | PPO | $32.70/mo | $6,500 | 3.5★ |
| Wellcare Assist (HMO-POS) Wellcare · H2915-011-000 | HMO-POS | $32.70/mo | $5,500 | 3.5★ |
| Aetna Medicare Value Care (HMO-POS) Aetna Medicare · H3959-033-000 | HMO-POS | $32.70/mo | $7,500 | 4.0★ |
| DEVOTED CHOICE PREMIUM 002 PA (PPO) Devoted Health · H6018-002-000 | PPO | $32.70/mo | $7,550 | 3.5★ |
| Jefferson Health Plans Prime (HMO) Jefferson Health Plans · H9207-002-000 | HMO | $32.70/mo | $6,000 | 3.5★ |
| AARP Medicare Advantage from UHC PA-0001 (HMO-POS) UnitedHealthcare · H5253-145-000 | HMO-POS | $49/mo | $5,400 | 4.0★ |
| HumanaChoice R0110-008 (Regional PPO) Humana · R0110-008-000 | Regional PPO | $52/mo | $6,700 | 3.5★ |
| AARP Medicare Advantage from UHC PA-0008 (PPO) UnitedHealthcare · H2406-047-000 | PPO | $60/mo | $4,900 | 4.0★ |
| Keystone 65 Select Rx (HMO) Independence Blue Cross · H3952-051-000 | HMO | $74/mo | $6,750 | 4.0★ |
| AARP Medicare Advantage from UHC PA-0009 (PPO) UnitedHealthcare · H2406-048-000 | PPO | $79/mo | $6,300 | 4.0★ |
| HumanaChoice H5216-120 (PPO) Humana · H5216-120-000 | PPO | $94/mo | $7,600 | 3.5★ |
| Aetna Medicare Premier (HMO-POS) Aetna Medicare · H3931-004-000 | HMO-POS | $104/mo | $6,900 | 3.0★ |
| Aetna Medicare Advantra Premier (PPO) Aetna Medicare · H5522-014-000 | PPO | $106/mo | $6,750 | 4.5★ |
| Complete Blue PPO Distinct (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · H3916-062-000 | PPO | $109/mo | $6,750 | 4.5★ |
| Keystone 65 Preferred Rx (HMO) Independence Blue Cross · H3952-045-000 | HMO | $158/mo | $4,200 | 4.0★ |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · H5521-122-000 | PPO | $183/mo | $7,500 | 4.5★ |
| Personal Choice 65 Rx (PPO) Independence Blue Cross · H3909-009-000 | PPO | $187/mo | $5,950 | 4.0★ |
| Personal Choice 65 Plus Rx (PPO) Independence Blue Cross · H3909-018-000 | PPO | $214/mo | $4,201 | 4.0★ |
Part D drug plans 12
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 Pennsylvania, West Virginia.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Humana Basic Rx Plan (PDP) Humana · S5884-104-000 | $6.60/mo | $615 | 3★ |
| Wellcare Value Script (PDP) Wellcare · S4802-141-000 | $8.20/mo | $615 | 3.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-080-000 | $14.70/mo | $615 | 3.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-185-000 | $19.40/mo | $601 | 3★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-012-000 | $22.70/mo | $615 | 3★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-351-000 | $43.50/mo | $615 | 2★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-356-000 | $62.60/mo | $615 | 2.5★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-215-000 | $74/mo | $615 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-388-000 | $121.90/mo | $130 | 2★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-152-000 | $123.60/mo | None | 3★ |
| Blue Rx PDP Complete (PDP) Highmark Blue Shield · S5593-003-000 | $164.80/mo | $200 | 3★ |
| Blue Rx PDP Plus (PDP) Highmark Blue Shield · S5593-002-000 | $193.20/mo | $615 | 3★ |
Special needs plans 30
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 |
|---|---|---|---|---|---|
| HealthSpring TotalCare Plus (HMO D-SNP) Cigna Healthcare · H3949-009-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.0★ |
| HealthSpring Achieve (HMO C-SNP) Cigna Healthcare · H3949-024-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $5,900 | 3.0★ |
| Provider Partners Pennsylvania Community Plan (HMO I-SNP) Provider Partners Health Plans · H4093-004-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $2,600 | 5.0★ |
| UHC Complete Care PA-17 (HMO-POS C-SNP) UnitedHealthcare · H5253-192-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $6,700 | 4.0★ |
| Humana Gold Plus SNP-DE H6622-078 (HMO D-SNP) Humana · H6622-078-002 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.5★ |
| Highmark Wholecare Medicare Assured Diamond (HMO D-SNP) Highmark Wholecare Medicare Assured · H5932-012-000 | HMO | Only for people who have Medicaid as well as Medicare | $8.90/moGives back $3/mo of your Part B premium | $9,250 | 4.0★ |
| UHC Dual Complete PA-S002 (HMO-POS D-SNP) UnitedHealthcare · H3113-009-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $6.80/mo | $9,250 | 3.5★ |
| Highmark Wholecare Medicare Assured Ruby (HMO D-SNP) Highmark Wholecare Medicare Assured · H5932-013-000 | HMO | Only for people who have Medicaid as well as Medicare | $13.10/moGives back $3/mo of your Part B premium | $8,000 | 4.0★ |
| DEVOTED DUAL PLUS 007 PA (HMO D-SNP) Devoted Health · H6852-007-000 | HMO | Only for people who have Medicaid as well as Medicare | $16.90/mo | $9,250 | 3.0★ |
| UHC Dual Complete PA-S3 (HMO-POS D-SNP) UnitedHealthcare · H3113-016-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $18.50/mo | $9,250 | 3.5★ |
| DEVOTED DUAL FULL 026 PA (HMO D-SNP) Devoted Health · H6852-026-000 | HMO | Only for people who have Medicaid as well as Medicare | $19.50/mo | $9,250 | 3.0★ |
| Aetna Community HealthChoices (HMO D-SNP) Aetna Medicare · H3959-070-000 | HMO | Only for people who have Medicaid as well as Medicare | $21.70/mo | $9,250 | 4.0★ |
| UHC Dual Complete PA-V001 (HMO-POS D-SNP) UnitedHealthcare · H3113-014-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $30.40/moGives back $0.50/mo of your Part B premium | $6,700 | 3.5★ |
| Aetna Medicare Advantra Dual Care (HMO D-SNP) Aetna Medicare · H3959-035-000 | HMO | Only for people who have Medicaid as well as Medicare | $31.80/mo | $9,250 | 4.0★ |
| UHC Dual Complete PA-S001 (PPO D-SNP) UnitedHealthcare · H1889-007-000 | PPO | Only for people who have Medicaid as well as Medicare | $32.70/moGives back $0.70/mo of your Part B premium | $9,250 | 4.0★ |
| UHC Nursing Home Plan EX-F002 (PPO I-SNP) UnitedHealthcare · H0710-017-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $32.60/moGives back $0.50/mo of your Part B premium | $9,250 | 4.5★ |
| Wellcare Dual Liberty Sync (HMO-POS D-SNP) Wellcare · H2915-002-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $32.70/mo | $9,250 | 3.5★ |
| Wellcare Dual Select (HMO-POS D-SNP) Wellcare · H2915-018-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $32.70/mo | $5,400 | 3.5★ |
| Geisinger Gold Secure Rx (HMO D-SNP) Geisinger Gold · H3954-097-000 | HMO | Only for people who have Medicaid as well as Medicare | $32.70/mo | $9,250 | 4.5★ |
| Aetna Medicare Longevity (HMO I-SNP) Aetna Medicare · H3959-066-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $32.70/mo | $9,250 | 4.0★ |
| Aetna Medicare Chronic Care Value (HMO C-SNP) Aetna Medicare · H3959-074-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $32.70/mo | $9,250 | 4.0★ |
| Provider Partners Pennsylvania Advantage Plan (HMO I-SNP) Provider Partners Health Plans · H4093-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $32.70/mo | $9,250 | 5.0★ |
| Provider Partners Pennsylvania Essential Plan (HMO I-SNP) Provider Partners Health Plans · H4093-008-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $32.70/mo | $9,250 | 5.0★ |
| Keystone First VIP Choice (HMO D-SNP) VISTA Health Plan Inc. · H4227-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $32.70/mo | $9,250 | 4.0★ |
| DEVOTED C-SNP PREMIUM 016 PA (HMO C-SNP) Devoted Health · H6852-016-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $32.70/mo | $7,800 | 3.0★ |
| DEVOTED C-SNP PLUS 021 PA (HMO C-SNP) Devoted Health · H6852-021-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $32.70/mo | $9,250 | 3.0★ |
| UPMC for Life Complete Care (HMO D-SNP) UPMC for Life Complete Care · H7123-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $32.70/mo | $9,250 | 3.5★ |
| Jefferson Health Plans Special (HMO D-SNP) Jefferson Health Plans · H9207-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $32.70/mo | $9,250 | 3.5★ |
| Jefferson Health Plans Dual Pearl (HMO D-SNP) Jefferson Health Plans · H9207-016-000 | HMO | Only for people who have Medicaid as well as Medicare | $32.70/mo | $9,250 | 3.5★ |
| Jefferson Health Plans Select (HMO D-SNP) Jefferson Health Plans · H9207-017-000 | HMO | Only for people who have Medicaid as well as Medicare | $32.70/mo | $9,250 | 3.5★ |
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: Mercy LIFE SEPA (PACE), Mercy LIFE SEPA (PACE), LIFE St. Mary (PACE), LIFE St. Mary (PACE).
Medicare Advantage plans without drug coverage 12
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 PA-MA01 (HMO-POS) UnitedHealthcare · H5253-152-000 | HMO-POS | $0/moGives back $160/mo of your Part B premium | $6,700 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-221-000 | PPO | $0/moGives back $145/mo of your Part B premium | $6,700 | 3.5★ |
| Wellcare Patriot Giveback (HMO-POS) Wellcare · H2915-013-000 | HMO-POS | $0/moGives back $125/mo of your Part B premium | $7,550 | 3.5★ |
| Keystone 65 Liberty Medical Only (HMO) Independence Blue Cross · H3952-059-000 | HMO | $0/moGives back $120/mo of your Part B premium | $6,750 | 4.0★ |
| Geisinger Gold Heritage (HMO) Geisinger Gold · H3954-162-000 | HMO | $0/moGives back $70/mo of your Part B premium | $6,700 | 4.5★ |
| Freedom Blue PPO Valor (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · H3916-056-000 | PPO | $0/moGives back $60/mo of your Part B premium | $6,000 | 4.5★ |
| HumanaChoice Giveback H5216-116 (PPO) Humana · H5216-116-000 | PPO | $0/moGives back $60/mo of your Part B premium | $4,150 | 3.5★ |
| UPMC for Life PPO Salute (PPO) UPMC for Life · H5533-016-002 | PPO | $0/moGives back $45/mo of your Part B premium | $9,250 | 4.5★ |
| Keystone 65 Select Medical Only (HMO) Independence Blue Cross · H3952-050-000 | HMO | $0/moGives back $18.60/mo of your Part B premium | $6,750 | 4.0★ |
| HumanaChoice R0110-007 (Regional PPO) Humana · R0110-007-000 | Regional PPO | $0/mo | $4,500 | 3.5★ |
| Keystone 65 Preferred Medical Only (HMO) Independence Blue Cross · H3952-008-000 | HMO | $111/mo | $4,200 | 4.0★ |
| Humana Gold Choice H8145-163 (PFFS) Humana · H8145-163-000 | PFFS | $155/mo | $1,500 | 3.5★ |
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: $138–$1,012/mo from 38 companies, at age 65.
- Plan N: $115–$862/mo from 37 companies, at age 65.
Discussion
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