Medicare Plans in
Otsego County, NY

37 Medicare Advantage Plans Found in Otsego County. See Plans

Otsego County, NY
Medicare Information

For Otsego County’s Medicare beneficiaries, Medicare Advantage plans offer an alternative to Original Medicare. Currently, 37 MA plans are available in Otsego 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.

For Otsego County’s Medicare beneficiaries, Medicare Advantage plans offer an alternative to Original Medicare. Currently, 37 MA plans are available in Otsego 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.

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 Medicare Advantage plans in Otsego County, New York, including average costs, out-of-pocket expenses and what’s involved in obtaining prescription drug coverage.

Average Cost of Medicare Advantage
Plans in Otsego County

Average Cost of Medicare Advantage Plans in Otsego County, New York
Average Monthly Premium $69.53
Average in-network out-of-pocket spending limit $6,680.88
Average drug deductible in 2022 (weighted) $318.93
Percentage of plans rated 4 stars or higher 67.6%
Average Cost of Medicare Advantage Plans in Otsego County, New York
Average Monthly Premium
$69.53
Average in-network out-of-pocket spending limit
$6,680.88
Average drug deductible in 2021 (weighted)
$318.93
Percentage of plans rated 4 stars or higher
67.6%

Learn More About Medicare Advantage
Prescription Drug Plans

Otsego County Medicare beneficiaries who are interested in a Part C 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.

In addition to these primary types of plans, some members 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 Advantage Plans in Otsego County, NY

The following table includes cost information and other plan details for Aetna Inc. Medicare Advantage plans available in New York in 2022.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Aetna Medicare Credit Plan (PPO) H5521: 313 $0 $350 $7,550 Yes
4 out of 5
Aetna Medicare Eagle Plan (PPO) H5521: 323 $0 N/A $7,550 No
4 out of 5
Aetna Medicare Premier Plan (PPO) H5521: 077 $0 $250 $7,550 Yes
4 out of 5
Aetna Medicare Value Plan (HMO) H3312: 048 $0 $0 $7,550 Yes
3 out of 5
Aetna Medicare Discover Value Plan (PPO) H5521: 340 $25 $300 $7,550 Yes
4 out of 5

CDPHP Medicare Advantage

CDPHP Medicare Advantage Medicare Advantage Plans in Otsego County, NY

The following table includes cost information and other plan details for CDPHP Medicare Advantage Medicare Advantage plans available in New York in 2022.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
CDPHP $0 Medicare Rx (HMO) H3388: 014 $0 $300 $7,500 Yes
4.5 out of 5
CDPHP Flex (PPO) H5042: 012 $0 N/A $5,500 No
5 out of 5
CDPHP Vital Rx (PPO) H5042: 009 $0 $350 $7,500 Yes
5 out of 5
CDPHP Basic RX (HMO) H3388: 013 $31 $0 $6,700 Yes
4.5 out of 5
CDPHP Choice (HMO) H3388: 001 $40 N/A $5,000 No
4.5 out of 5
CDPHP Flex Rx (PPO) H5042: 011 $42 $0 $5,500 Yes
5 out of 5
CDPHP Value Rx (HMO) H3388: 004 $61 $0 $5,800 Yes
4.5 out of 5
CDPHP Choice Rx (HMO) H3388: 002 $131 $0 $5,000 Yes
4.5 out of 5

Lifetime Healthcare, Inc.

Lifetime Healthcare, Inc. Medicare Advantage Plans in Otsego County, NY

The following table includes cost information and other plan details for Lifetime Healthcare, Inc. Medicare Advantage plans available in New York in 2022.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Medicare BlueBasic (PPO) H3335: 044 $0 N/A $4,500 No
4.5 out of 5
Medicare Bassett (HMO-POS) H3351: 015 $111 $0 $6,700 Yes
4.5 out of 5
Medicare BluePlus (PPO) H3335: 018 $116 $480 $6,000 Yes
4.5 out of 5

MVP Health Care, Inc.

MVP Health Care, Inc. Medicare Advantage Plans in Otsego County, NY

The following table includes cost information and other plan details for MVP Health Care, Inc. Medicare Advantage plans available in New York in 2022.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
MVP Medicare WellSelect with Part D (PPO) H9615: 008 $0 $300 $7,550 Yes
4 out of 5
MVP SmartFund (MSA) H5613: 002 $0 N/A N/A No
Not enough data available
MVP Medicare Secure with Part D (HMO-POS) H3305: 032 $40 $150 $7,550 Yes
4.5 out of 5
MVP Medicare Preferred Gold without Part D (HMO-POS) H3305: 020 $62 N/A $7,550 No
4.5 out of 5
MVP Medicare Secure Plus with Part D (HMO-POS) H3305: 022 $90 $0 $7,550 Yes
4.5 out of 5
MVP Medicare WellSelect Plus with Part D (PPO) H9615: 007 $125 $0 $6,500 Yes
4 out of 5
MVP Medicare Preferred Gold with Part D (HMO-POS) H3305: 021 $140 $0 $5,800 Yes
4.5 out of 5
UnitedHealthcare

UnitedHealthcare Medicare Advantage Plans in Otsego County, NY

The following table includes cost information and other plan details for UnitedHealthcare Medicare Advantage plans available in New York in 2022.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
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 $300 $7,200 Yes
4 out of 5
UnitedHealthcare Medicare Advantage Choice Plan 3 (Regional PPO) R5342: 005 $46 $250 $6,900 Yes
4 out of 5
UnitedHealthcare Medicare Advantage Choice Plan 4 (Regional PPO) R5342: 006 $84 $150 $6,700 Yes
4 out of 5
WellCare Health Plans, Inc.

WellCare Health Plans, Inc. Medicare Advantage Plans in Otsego County, NY

The following table includes cost information and other plan details for WellCare Health Plans, Inc. Medicare Advantage plans available in New York in 2022.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Wellcare Advantage No Premium (PFFS) H2816: 038 $0 N/A N/A No
3.5 out of 5
Wellcare Giveback Open (PPO) H2775: 111 $0 $325 $7,550 Yes
3.5 out of 5
Wellcare No Premium Open (PPO) H2775: 106 $0 $0 $6,700 Yes
3.5 out of 5
Wellcare Patriot No Premium Open (PPO) H2775: 108 $0 N/A $6,700 No
3.5 out of 5
Wellcare Fidelis No Premium (HMO) H5599: 004 $0 $0 $7,550 Yes
Plan too new to be measured
Wellcare Fidelis Patriot No Premium (HMO-POS) H5599: 005 $0 N/A $7,550 No
Plan too new to be measured
Wellcare Fidelis Assist (HMO-POS) H5599: 002 $17 $480 $7,550 Yes
Plan too new to be measured
Wellcare Assist Open (PPO) H2775: 113 $31 $480 $6,700 Yes
3.5 out of 5
Wellcare Advantage Premium Enhanced (PFFS) H2816: 037 $62 N/A N/A No
3.5 out of 5
Wellcare Premium Ultra Open (PPO) H2775: 105 $121 $0 $3,400 Yes
3.5 out of 5