Medicare plans in Schenectady County, NY
36 medicare advantage are approved for Schenectady County, and 21 of them have no monthly premium. 33 carry a CMS star rating.
65.6% of the 35,022 people eligible for Medicare in Schenectady 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 | 3,384 |
| Aetna Medicare Elite (PPO) Aetna Medicare · PPO |
$0 | $9,250 | $615 | 4.5/5 | 531 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · PPO |
$0 | $9,250 | Not published | 4.5/5 | 40 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP HEALTH CARE · HMO-POS |
$0 | $7,200 | Not published | 4.0/5 | 30 |
| EmblemHealth VIP Value (HMO-POS) EmblemHealth · HMO-POS |
$0 | $7,500 | $215 | 4.0/5 | 85 |
| 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 | 1,011 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $6,700 | Not published | 3.5/5 | 67 |
| Wellcare Simple Open (PPO) Wellcare · PPO |
$0 | $9,250 | $615 | 3.0/5 | 153 |
| Wellcare Giveback Open (PPO) Wellcare · PPO |
$0 | $9,250 | $615 | 3.0/5 | 137 |
| Aetna Medicare Signature (HMO) Aetna Medicare · HMO |
$0 | $9,250 | $615 | 3.0/5 | 142 |
| 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 | 71 |
| Wellcare Fidelis Simple (HMO-POS) Wellcare · HMO-POS |
$0 | $9,250 | $615 | 3.0/5 | 160 |
| 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 | 55 |
| HumanaChoice Giveback H5970-030 (PPO) Humana · PPO |
$0 | $9,250 | $615 | 3.0/5 | 117 |
| Trinity Health Plan New York No Premium (HMO) Trinity Health Plan New York · HMO |
$0 | $6,750 | $125 | Not enough data to rate | 130 |
| Trinity Health Plan New York Glory No RX (HMO) Trinity Health Plan New York · HMO |
$0 | $5,500 | Not published | Not enough data to rate | Fewer than 11 |
| Trinity Health Plan New York Cash Back (HMO) Trinity Health Plan New York · HMO |
$0 | $8,500 | $275 | Not enough data to rate | 80 |
| CDPHP Core (HMO) CDPHP Medicare Advantage · HMO |
$15.00 | $6,100 | Not published | 4.5/5 | 45 |
| MVP Medicare Complete Wellness with Part D (PPO) MVP HEALTH CARE · PPO |
$15.00 | $9,250 | $615 | 3.5/5 | 1,065 |
| VNS Health EasyCare (HMO) VNS Health Medicare · HMO |
$25.00 | $9,250 | $500 | 3.5/5 | 13 |
| HumanaChoice H5970-029 (PPO) Humana · PPO |
$32.00 | $9,250 | $615 | 3.0/5 | 88 |
| Wellcare Fidelis Assist (HMO-POS) Wellcare · HMO-POS |
$32.50 | $9,250 | $615 | 3.0/5 | 64 |
| AARP Medicare Advantage from UHC NY-0015 (PPO) UnitedHealthcare · PPO |
$48.00 | $7,900 | $600 | 3.5/5 | 440 |
| Wellcare Premium Enhanced (PFFS) Wellcare · PFFS |
$50.00 | $3,400 | $615 | 3.5/5 | Fewer than 11 |
| Wellcare Assist Open (PPO) Wellcare · PPO |
$58.80 | $9,250 | $530 | 3.0/5 | 51 |
| CDPHP Clear Rx (HMO) CDPHP Medicare Advantage · HMO |
$100.00 | $6,400 | $250 | 4.5/5 | 547 |
| Senior Blue 652 (HMO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO |
$104.00 | $6,700 | $615 | 4.0/5 | 158 |
| Aetna Medicare Enhanced (PPO) Aetna Medicare · PPO |
$109.00 | $9,250 | $615 | 4.5/5 | 44 |
| MVP Medicare Secure Plus with Part D (HMO-POS) MVP HEALTH CARE · HMO-POS |
$116.00 | $6,000 | $400 | 4.0/5 | 762 |
| 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 | 2,366 |
| Forever Blue 770 (PPO) Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO |
$220.00 | $6,700 | $615 | 4.5/5 | 69 |
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Plans arriving in or leaving Schenectady County, and premiums moving, when CMS republishes.
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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.