2027 Medicare plans in Albany County, NY
The Medicare Advantage and Part D drug plans sold in Albany County, New York for 2027 in CMS's plan data, with each plan's premium, out-of-pocket maximum and star rating. Open enrollment for 2027 runs October 15 to December 7, 2026.
At a glance
- 66 plans from 14 insurance companies
- Medicare Advantage plans with drug coverage: 24, premiums $0 to $256 a month; 12 have a $0 premium
- Part D drug plans: 9, premiums $37.30 to $238.30 a month
- Plans with a CMS star rating of 4 or more: 17
Compare these plans for your prescriptions
Enter your ZIP code and add your prescriptions to see each plan's estimated yearly cost, including your drugs, next to Cost Plus Drugs prices.
Compare plans with my prescriptionsMedicare Advantage plans with drug coverage (24)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| CDPHP $0 Medicare Rx (HMO)CDPHP Medicare Advantage · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.5 |
| DEVOTED CHOICE 003 NY (PPO)Devoted Health · PPO · drug deductible $650 | $0 | $9,500 | Not rated |
| DEVOTED CHOICE GIVEBACK 004 NY (PPO)Devoted Health · PPO · drug deductible $650 | $0 | $9,850 | Not rated |
| DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO)Devoted Health · PPO · drug deductible $700 | $0 | $9,750 | Not rated |
| Trinity Health Plan New York Cash Back (HMO)Trinity Health Plan New York · HMO · drug deductible $450 | $0 | $9,250 | ★ 3.0 |
| Trinity Health Plan New York No Premium (HMO)Trinity Health Plan New York · HMO · drug deductible $425 | $0 | $7,900 | ★ 3.0 |
| Wellcare Assist Open (PPO)Wellcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Fidelis Assist (HMO-POS)Wellcare · HMO-POS · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Fidelis Simple (HMO-POS)Wellcare · HMO-POS · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Giveback Open (PPO)Wellcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Simple Open (PPO)Wellcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| VNS Health EasyCare (HMO)VNS Health Medicare · HMO · drug deductible $650 | $25 | $9,850 | ★ 4.0 |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $39 | $7,150 | ★ 3.5 |
| AARP Medicare Advantage from UHC NY-0015 (PPO)UnitedHealthcare · PPO · drug deductible $685 | $44 | $8,900 | ★ 3.0 |
| HumanaChoice H5970-029 (PPO)Humana · PPO · drug deductible $700 | $65 | $9,250 | ★ 3.0 |
| MVP Medicare WellValue with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS · drug deductible $700 | $71 | $9,850 | ★ 3.5 |
| CDPHP Clear Rx (HMO)CDPHP Medicare Advantage · HMO · drug deductible $500 | $100 | $6,750 | ★ 3.5 |
| Aetna Medicare Signature (HMO)Aetna Medicare · HMO · drug deductible $700 | $109 | $9,850 | ★ 3.0 |
| Senior Blue 652 (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO · drug deductible $700 | $122 | $7,150 | ★ 4.0 |
| CDPHP Choice Rx (HMO)CDPHP Medicare Advantage · HMO · drug deductible $250 | $139 | $6,400 | ★ 3.5 |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO · drug deductible $700 | $149 | $9,850 | ★ 4.0 |
| MVP Medicare Secure Plus with Part D (HMO-POS)MVP HEALTH CARE · HMO-POS · drug deductible $500 | $165 | $6,000 | ★ 3.5 |
| MVP Medicare Secure Plus Choice with Part D (PPO)MVP HEALTH CARE · PPO · drug deductible $500 | $256 | $7,500 | ★ 3.5 |
Medicare Advantage plans without drug coverage (7)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS)UnitedHealthcare · HMO-POS | $0 | $7,150 | ★ 3.5 |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO | $0 | $9,850 | ★ 4.0 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $4,950 | ★ 3.0 |
| MVP Medicare Preferred Gold without Part D (HMO-POS)MVP HEALTH CARE · HMO-POS | $0 | $7,200 | ★ 3.5 |
| Trinity Health Plan New York Glory No RX (HMO)Trinity Health Plan New York · HMO | $0 | $6,300 | ★ 3.0 |
| Wellcare Fidelis Patriot Simple (HMO-POS)Wellcare · HMO-POS | $0 | $9,850 | ★ 3.0 |
| CDPHP Core (HMO)CDPHP Medicare Advantage · HMO | $15 | $6,400 | ★ 3.5 |
Special Needs Plans (only for people who qualify) (26)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| Aetna Medicare Chronic Care Total (HMO C-SNP)Aetna Medicare · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Aetna Medicare Full Dual (HMO D-SNP)Aetna Medicare · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| DEVOTED C-SNP CHOICE ENHANCED 017 NY (PPO C-SNP)Devoted Health · PPO · drug deductible $650 | $0 | $9,850 | Not rated |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 023 NY (PPO C-SNP)Devoted Health · PPO · drug deductible $700 | $0 | $9,750 | Not rated |
| DEVOTED C-SNP CHOICE PLUS 015 NY (PPO C-SNP)Devoted Health · PPO · drug deductible $650 | $0 | $9,850 | Not rated |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP)Humana · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| UHC Complete Care NY-33 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $6,900 | ★ 3.5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| Wellcare Dual Access Open (PPO D-SNP)Wellcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Fidelis Dual Access (HMO D-SNP)Wellcare · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP)Wellcare · HMO · drug deductible $700 | $0 | $9,850 | ★ 3.0 |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP)UnitedHealthcare · PPO · drug deductible $700 | $4.20 | $9,850 | ★ 5.0 |
| Aetna Medicare Longevity (PPO I-SNP)Aetna Medicare · PPO · drug deductible $700 | $10.70 | $9,850 | ★ 4.0 |
| MVP DualAccess (HMO D-SNP)MVP HEALTH CARE · HMO · drug deductible $700 | $13.10 | $9,820 | ★ 3.5 |
| UHC Dual Complete NY-S001 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $19.40 | $9,850 | ★ 4.5 |
| MVP DualAccess Complete (HMO D-SNP)MVP HEALTH CARE · HMO · drug deductible $700 | $22.20 | $9,850 | ★ 3.5 |
| VNS Health EasyCare Plus (HMO D-SNP)VNS Health Medicare · HMO · drug deductible $700 | $23.60 | $9,850 | ★ 4.0 |
| Nascentia Skilled Nursing Facility (HMO I-SNP)Nascentia Health Plus · HMO · drug deductible $700 | $25.40 | $9,850 | Not rated |
| Nascentia Dual Advantage (HMO D-SNP)Nascentia Health Plus · HMO · drug deductible $700 | $27 | $9,850 | Not rated |
| Nascentia Medicaid Advantage Plus (HMO D-SNP)Nascentia Health Plus · HMO · drug deductible $700 | $30.30 | $9,850 | Not rated |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $31.70 | $9,850 | ★ 4.0 |
| Hamaspik Medicare Select (HMO D-SNP)Hamaspik, Inc. · HMO · drug deductible $700 | $40.40 | $9,850 | ★ 4.0 |
| Anthem HealthPlus Full Dual Advantage (HMO D-SNP)Anthem Blue Cross and Blue Shield HP · HMO · drug deductible $700 | $40.50 | $9,850 | ★ 3.0 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP)UnitedHealthcare · HMO-POS · drug deductible $700 | $40.50 | $9,850 | ★ 4.0 |
| VNS Health Total (HMO D-SNP)VNS Health Medicare · HMO · drug deductible $700 | $40.50 | $0 | ★ 4.0 |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP)Wellcare · HMO · drug deductible $700 | $40.50 | $9,850 | ★ 3.0 |
Part D drug plans (to add to Original Medicare) (9)
| Plan | Premium per month | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · PDP | $37.30 | $700 | ★ 3.0 |
| Wellcare Classic (PDP)Wellcare · PDP | $40.30 | $700 | ★ 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · PDP | $40.50 | $700 | ★ 2.5 |
| SilverScript Choice (PDP)Aetna Medicare · PDP | $166.60 | $700 | ★ 2.5 |
| Humana Premier Rx Plan (PDP)Humana · PDP | $169.30 | $350 | ★ 4.5 |
| Humana Basic Rx Plan (PDP)Humana · PDP | $169.60 | $700 | ★ 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · PDP | $174.50 | $700 | ★ 3.0 |
| Humana Value Rx Plan (PDP)Humana · PDP | $177.20 | $687 | ★ 4.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · PDP | $238.30 | $300 | ★ 3.0 |
Sorted by monthly premium. The lowest premium isn't always the lowest total cost: drug costs, copays and the out-of-pocket maximum matter too.
Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.