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Medicare plans in Saratoga County, New York
2027 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Saratoga County for 2027, 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 (22 plans)
- Part D drug plans (9 plans)
- Special needs plans (24 plans)
- Medicare Advantage without drug coverage (6 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
- 28 Medicare Advantage plans are open to anyone with Medicare here; 15 charge no monthly premium.
- 6 give back part of your Part B premium, up to $125 a month.
- The lowest yearly limit on what you pay for in-network care is $4,950.
- 9 Part D drug plans, from $37.30 to $238.30 a month.
Medicare Advantage plans with drug coverage 22
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 004 NY (PPO) Devoted Health · H5334-004-000 | PPO | $0/moGives back $118/mo of your Part B premium | $9,850 | Not yet rated |
| DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO) Devoted Health · H5334-029-000 | PPO | $0/moGives back $70/mo of your Part B premium | $9,750 | Not yet rated |
| Wellcare Giveback Open (PPO) Wellcare · H2775-111-000 | PPO | $0/moGives back $37/mo of your Part B premium | $9,850 | 3.0★ |
| Wellcare Simple Open (PPO) Wellcare · H2775-106-000 | PPO | $0/mo | $9,850 | 3.0★ |
| Wellcare Assist Open (PPO) Wellcare · H2775-113-000 | PPO | $0/mo | $9,850 | 3.0★ |
| CDPHP $0 Medicare Rx (HMO) CDPHP Medicare Advantage · H3388-014-000 | HMO | $0/mo | $9,850 | 3.5★ |
| DEVOTED CHOICE 003 NY (PPO) Devoted Health · H5334-003-000 | PPO | $0/mo | $9,500 | Not yet rated |
| Aetna Medicare Elite (PPO) Aetna Medicare · H5521-119-000 | PPO | $0/mo | $9,850 | 4.0★ |
| Wellcare Fidelis Assist (HMO-POS) Wellcare · H5599-002-000 | HMO-POS | $0/mo | $9,850 | 3.0★ |
| Wellcare Fidelis Simple (HMO-POS) Wellcare · H5599-004-000 | HMO-POS | $0/mo | $9,850 | 3.0★ |
| VNS Health EasyCare (HMO) VNS Health Medicare · H5549-012-000 | HMO | $25/mo | $9,850 | 4.0★ |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) UnitedHealthcare · H3379-052-000 | HMO-POS | $39/mo | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC NY-0015 (PPO) UnitedHealthcare · H3418-004-000 | PPO | $44/mo | $8,900 | 3.0★ |
| HumanaChoice H5970-029 (PPO) Humana · H5970-029-000 | PPO | $65/mo | $9,250 | 3.0★ |
| MVP Medicare WellValue with Part D (HMO-POS) MVP HEALTH CARE · H3305-038-000 | HMO-POS | $71/mo | $9,850 | 3.5★ |
| CDPHP Clear Rx (HMO) CDPHP Medicare Advantage · H3388-020-000 | HMO | $100/mo | $6,750 | 3.5★ |
| Aetna Medicare Signature (HMO) Aetna Medicare · H3312-108-000 | HMO | $109/mo | $9,850 | 3.0★ |
| Senior Blue 652 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · H3384-013-000 | HMO | $122/mo | $7,150 | 4.0★ |
| CDPHP Choice Rx (HMO) CDPHP Medicare Advantage · H3388-002-000 | HMO | $139/mo | $6,400 | 3.5★ |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · H5521-669-000 | PPO | $149/mo | $9,850 | 4.0★ |
| MVP Medicare Secure Plus with Part D (HMO-POS) MVP HEALTH CARE · H3305-022-000 | HMO-POS | $165/mo | $6,000 | 3.5★ |
| MVP Medicare Secure Plus Choice with Part D (PPO) MVP HEALTH CARE · H9615-025-000 | PPO | $256/mo | $7,500 | 3.5★ |
Part D drug plans 9
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 |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-138-000 | $37.30/mo | $700 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-077-000 | $40.30/mo | $700 | 3★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-024-000 | $40.50/mo | $700 | 2.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-006-000 | $166.60/mo | $700 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-217-000 | $169.30/mo | $350 | 4.5★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-216-000 | $169.60/mo | $700 | 4.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-379-000 | $174.50/mo | $700 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-218-000 | $177.20/mo | $687 | 4.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-382-000 | $238.30/mo | $300 | 3★ |
Special needs plans 24
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 |
|---|---|---|---|---|---|
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 023 NY (PPO C-SNP) Devoted Health · H5334-023-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $79.60/mo of your Part B premium | $9,750 | Not yet rated |
| Wellcare Dual Access Open (PPO D-SNP) Wellcare · H2775-112-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · H3312-070-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| Aetna Medicare Chronic Care Total (HMO C-SNP) Aetna Medicare · H3312-112-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 3.0★ |
| 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 | $6,900 | 3.5★ |
| 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 | $0/mo | $9,850 | 4.0★ |
| 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 | $0/mo | $9,850 | 4.0★ |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) Humana · H3533-036-001 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| DEVOTED C-SNP CHOICE PLUS 015 NY (PPO C-SNP) Devoted Health · H5334-015-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | Not yet rated |
| DEVOTED C-SNP CHOICE ENHANCED 017 NY (PPO C-SNP) Devoted Health · H5334-017-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | Not yet rated |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) Wellcare · H5599-014-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| Wellcare Fidelis Dual Access (HMO D-SNP) Wellcare · H5599-016-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| 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 | $4.20/mo | $9,850 | 5.0★ |
| 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 | $10.70/mo | $9,850 | 4.0★ |
| MVP DualAccess (HMO D-SNP) MVP HEALTH CARE · H3305-033-000 | HMO | Only for people who have Medicaid as well as Medicare | $13.10/mo | $9,820 | 3.5★ |
| UHC Dual Complete NY-S001 (PPO D-SNP) UnitedHealthcare · H2001-063-001 | PPO | Only for people who have Medicaid as well as Medicare | $19.40/mo | $9,850 | 4.5★ |
| MVP DualAccess Complete (HMO D-SNP) MVP HEALTH CARE · H3305-034-000 | HMO | Only for people who have Medicaid as well as Medicare | $22.20/mo | $9,850 | 3.5★ |
| VNS Health EasyCare Plus (HMO D-SNP) VNS Health Medicare · H5549-011-000 | HMO | Only for people who have Medicaid as well as Medicare | $23.60/mo | $9,850 | 4.0★ |
| 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 | $25.40/mo | $9,850 | Not yet rated |
| Nascentia Dual Advantage (HMO D-SNP) Nascentia Health Plus · H9066-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $27/mo | $9,850 | Not yet rated |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) Nascentia Health Plus · H9066-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $30.30/mo | $9,850 | Not yet rated |
| VNS Health Total (HMO D-SNP) VNS Health Medicare · H5549-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $40.50/mo | $0 | 4.0★ |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP) Wellcare · H5599-003-000 | HMO | Only for people who have Medicaid as well as Medicare | $40.50/mo | $9,850 | 3.0★ |
| Anthem HealthPlus Full Dual Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield HP · H8432-043-000 | HMO | Only for people who have Medicaid as well as Medicare | $40.50/mo | $9,850 | 3.0★ |
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 6
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 $125/mo of your Part B premium | $7,150 | 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 $100/mo of your Part B premium | $9,850 | 4.0★ |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP HEALTH CARE · H3305-020-000 | HMO-POS | $0/mo | $7,200 | 3.5★ |
| Wellcare Fidelis Patriot Simple (HMO-POS) Wellcare · H5599-010-000 | HMO-POS | $0/mo | $9,850 | 3.0★ |
| CDPHP Core (HMO) CDPHP Medicare Advantage · H3388-001-000 | HMO | $15/mo | $6,400 | 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: $265–$840/mo from 11 companies.
- Plan N: $269–$583/mo from 9 companies.
Discussion
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