Medicare Plans in
Niagara County, NY

47 Medicare Advantage Plans Found in Niagara County. See Plans

Niagara County, NY
Medicare Information

For Niagara County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 47 private Medicare plans are available in Niagara County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

For Niagara County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare, and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 47 private Medicare plans are available in Niagara County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

MA plans, which are also referred to as Medicare Part C, may offer additional benefits that aren't available through Original Medicare.

Part D plans, also referred to as PDPs, cover retail prescription drugs.

Some Medicare Part C plans include coverage for prescription medications. Known as Medicare Advantage Prescription Drug plans, or MAPDs, these plans offer comprehensive coverage for seniors who want to minimize their out-of-pocket costs.

Learn more about some of the Medicare plans in Niagara County, New York, including average costs, out-of-pocket expenses and what’s involved in obtaining prescription drug coverage.

Average Cost of Medicare
Plans in Niagara County

Average Cost of Medicare Advantage Plans in Niagara County, New York
Average Monthly Premium $56.96
Average in-network out-of-pocket spending limit $6,572.00
Average drug deductible in 2023 (weighted) $343.81
Percentage of plans rated 4 stars or higher 31.9%
Average Cost of Medicare Advantage Plans in Niagara County, New York
Average Monthly Premium
$56.96
Average in-network out-of-pocket spending limit
$6,572.00
Average drug deductible in 2021 (weighted)
$343.81
Percentage of plans rated 4 stars or higher
31.9%

Learn More About Medicare
Prescription Drug Plans

Niagara County Medicare beneficiaries who are interested in a private Medicare policy may choose among the following types of plans, depending on their needs and circumstances:
Plan Type Description
HMO HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
PPO Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
PFFS Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
SNP Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.
Plan Type and Description
HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.

Some beneficiaries may be eligible for standalone prescription drug plans. Otherwise known as a PDP or Part D plan, a standalone prescription drug plan adds coverage for prescription medications to Original Medicare and some PFFS plans. It’s important to note that some MA plans, such as HMOs, may disenroll members who sign up for a separate drug plan.

Medicare Advantage Plans

Aetna Inc.

Aetna Inc. Medicare Plans in Niagara County, NY

The following table includes cost information and other plan details for Aetna Inc. private Medicare plans available in New York in 2023.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Aetna Medicare Premier Plan (PPO) H5521: 215 $0 $195 $6,500 Yes
3.5 out of 5
Aetna Medicare Credit Plan (PPO) H5521: 313 $0 $350 $7,550 Yes
3.5 out of 5
Aetna Medicare Eagle Plan (PPO) H5521: 323 $0 N/A $7,000 No
3.5 out of 5
Aetna Medicare Value Plan (HMO-POS) H3312: 065 $0 $195 $6,500 Yes
3.5 out of 5
Aetna Medicare Assure Plan (HMO D-SNP) H3312: 070 $0 $0 $8,300 Yes
3.5 out of 5
Aetna Medicare Discover Value Plan (PPO) H5521: 381 $23 $250 $6,550 Yes
3.5 out of 5
SilverScript Choice (PDP) S5601: 006 $41 $505 N/A Yes
3.5 out of 5
SilverScript Plus (PDP) S5601: 007 $68 $0 N/A Yes
3.5 out of 5
BlueCross BlueShield: Empire, Excellus, WNY & NENY

BlueCross BlueShield: Empire, Excellus, WNY & NENY Medicare Plans in Niagara County, NY

The following table includes cost information and other plan details for BlueCross BlueShield: Empire, Excellus, WNY & NENY private Medicare plans available in New York in 2023.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Blue Rx Standard (PDP) S3375: 001 $83 $460 N/A Yes
2 out of 5
Blue Rx Plus (PDP) S3375: 002 $99 $0 N/A Yes
2 out of 5
Cigna

Cigna Medicare Plans in Niagara County, NY

The following table includes cost information and other plan details for Cigna private Medicare plans available in New York in 2023.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Cigna Extra Rx (PDP) S5617: 248 $76 $100 N/A Yes
3 out of 5
Humana Inc.

Humana Inc. Medicare Plans in Niagara County, NY

The following table includes cost information and other plan details for Humana Inc. private Medicare plans available in New York in 2023.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) H3533: 002 $0 $0 $0 Yes
4 out of 5
Humana Gold Plus H3533-006 (HMO) H3533: 006 $0 $300 $6,500 Yes
4 out of 5
HumanaChoice H5970-015 (PPO) H5970: 015 $0 $250 $4,900 Yes
4 out of 5
Humana Honor (PPO) H5970: 016 $0 N/A $4,500 No
4 out of 5
HumanaChoice H5970-018 (PPO) H5970: 018 $0 $310 $4,800 Yes
4 out of 5
HumanaChoice SNP-DE H5970-020 (PPO D-SNP) H5970: 020 $0 $0 $0 Yes
4 out of 5
HumanaChoice H5970-001 (PPO) H5970: 001 $15 $0 $4,500 Yes
4 out of 5
Humana Walmart Value Rx Plan (PDP) S5552: 006 $41 $505 N/A Yes
3.5 out of 5
Humana Premier Rx Plan (PDP) S5552: 005 $96 $300 N/A Yes
3.5 out of 5
UnitedHealthcare

UnitedHealthcare Medicare Plans in Niagara County, NY

The following table includes cost information and other plan details for UnitedHealthcare private Medicare plans available in New York in 2023.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
UnitedHealthcare Dual Complete Choice (PPO D-SNP) H0271: 060 $0 $0 $0 Yes
4 out of 5
AARP Medicare Advantage (HMO-POS) H3379: 040 $0 $0 $7,550 Yes
4 out of 5
UnitedHealthcare Dual Complete Plan 1 (HMO-POS D-SNP) H3387: 014 $0 $0 $0 Yes
4 out of 5
UnitedHealthcare Dual Complete Plan 2 (HMO-POS D-SNP) H3387: 015 $0 $0 $0 Yes
4 out of 5
AARP Medicare Advantage Choice (PPO) H3418: 008 $0 $0 $7,200 Yes
3.5 out of 5
UnitedHealthcare Medicare Advantage Patriot (Regional PPO) R5342: 002 $0 N/A $6,700 No
4 out of 5
UnitedHealthcare Medicare Advantage Choice Plan 1 (Regional PPO) R5342: 001 $16 $200 $7,200 Yes
4 out of 5
AARP MedicareRx Walgreens (PDP) S5921: 382 $41 $350 N/A Yes
3 out of 5
UnitedHealthcare Medicare Advantage Choice Plan 3 (Regional PPO) R5342: 005 $44 $100 $6,900 Yes
4 out of 5
AARP MedicareRx Saver Plus (PDP) S5921: 379 $81 $505 N/A Yes
3 out of 5
UnitedHealthcare Medicare Advantage Choice Plan 4 (Regional PPO) R5342: 006 $82 $0 $6,700 Yes
4 out of 5
AARP MedicareRx Preferred (PDP) S5805: 001 $117 $0 N/A Yes
3.5 out of 5
WellCare Health Plans, Inc.

WellCare Health Plans, Inc. Medicare Plans in Niagara County, NY

The following table includes cost information and other plan details for WellCare Health Plans, Inc. private Medicare plans available in New York in 2023.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Wellcare No Premium Open (PPO) H2775: 106 $0 $0 $6,700 Yes
2.5 out of 5
Wellcare Giveback Open (PPO) H2775: 111 $0 $325 $7,550 Yes
2.5 out of 5
Wellcare Dual Access Open (PPO D-SNP) H2775: 112 $0 $0 $0 Yes
2.5 out of 5
Wellcare Patriot No Premium (HMO) H4868: 003 $0 N/A $6,700 No
3 out of 5
Wellcare Dual Access (HMO D-SNP) H4868: 004 $0 $0 $0 Yes
3 out of 5
Wellcare No Premium (HMO) H4868: 019 $0 $0 $8,300 Yes
3 out of 5
Wellcare Fidelis Dual Access (HMO D-SNP) H5599: 001 $0 $0 $0 Yes
3.5 out of 5
Wellcare Fidelis No Premium (HMO) H5599: 004 $0 $0 $7,550 Yes
3.5 out of 5
Wellcare Assist Open (PPO) H2775: 113 $9 $505 $6,700 Yes
2.5 out of 5
Wellcare Value Script (PDP) S4802: 138 $11 $505 N/A Yes
3 out of 5
Wellcare Fidelis Assist (HMO-POS) H5599: 002 $17 $505 $7,550 Yes
3.5 out of 5
Wellcare Classic (PDP) S4802: 077 $37 $505 N/A Yes
3 out of 5
Wellcare Medicare Rx Value Plus (PDP) S4802: 237 $71 $0 N/A Yes
3 out of 5
Wellcare Medicare Rx Value Plus (PDP) S4802: 206 $71 $0 N/A Yes
3 out of 5
Wellcare Premium Ultra Open (PPO) H2775: 105 $115 $0 $3,400 Yes
2.5 out of 5