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Medicare Advantage Plans in Schenectady County, NY
Looking for Medicare Advantage plans in Schenectady County? Enter your ZIP below to compare affordable monthly premium plans in your area.
Schenectady County, NY, is home to 32 Medicare Advantage (Medicare Part C) plans in 2025.
Learn more about Medicare Advantage in New York or call to speak with a licensed insurance agent who can help you compare Schenectady County Medicare Advantage plans and – if you're eligible – help you enroll.
We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.
Enrollment may be limited to certain times of the year. See why you may be able to enroll.
2025 Medicare Advantage plans in Schenectady County
| 2025 Medicare Advantage Plans in Schenectady | |
|---|---|
| Number of unique plans | 32 |
| Average monthly premium | $27.72 |
| Average (in-network) out-of-pocket maximum | $8,048.44 |
| Average Medicare Star Rating* | 3.27 |
While the number of unique plans in any county can change slightly every year, the table above presents a good idea of what you can expect to see in 2025.
The average monthly premium for Medicare Advantage plans in Schenectady is $27.72 per month in 2025, though there may be plans available where you live that feature different premiums.
Medicare Advantage plans in Schenectady County have an average Medicare Star Rating of 3.27 in 2025.* Plans rated four stars or higher are considered top-rated Medicare plans.
Premiums, deductibles and other costs may vary. The numbers reported in the table above are taken from the Centers for Medicare & Medicaid Services (CMS). A licensed insurance agent will be able to help you review and compare costs for specific plans available in New York or wherever you may live.
* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. 2025 Star Ratings have not yet been released but will be updated on this page as soon as the data is available.
List of Medicare Advantage plans in Schenectady County
The following table includes cost information and other plan details for Medicare Advantage plans available in Schenectady in 2025.
| Plan Name | Plan Code | Monthly Premium | Deductible | Out of Pocket Max | Prescription Drug Coverage | Medicare Star Rating |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC NY-0015 (PPO) | H3418-004-000 | $19.00 | $495.00 | $7,900.00 | Yes | 3 out of 5 stars |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) | H3379-052-000 | $0.00 | $340.00 | $7,200.00 | Yes | 3.5 out of 5 stars |
| Aetna Medicare Assure (HMO D-SNP) | H3312-070-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Aetna Medicare Eagle (PPO) | H5521-323-000 | $0.00 | N/A | $8,900.00 | No | 4.5 out of 5 stars |
| Aetna Medicare Elite (PPO) | H5521-119-000 | $0.00 | $590.00 | $8,900.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Longevity (PPO I-SNP) | H5521-461-000 | $72.30 | $590.00 | $9,350.00 | Yes | na |
| Aetna Medicare Platinum (PPO) | H5521-459-000 | $139.00 | $590.00 | $4,500.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Premier (PPO) | H5521-110-000 | $31.00 | $450.00 | $9,350.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Value (HMO-POS) | H3312-062-000 | $0.00 | $590.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Anthem Medicare Advantage (PPO) | H3342-023-002 | $75.00 | $395.00 | $6,200.00 | Yes | Not enough data available out of 5 stars |
| Forever Blue 770 (PPO) | H5526-018-000 | $198.00 | $0.00 | $6,700.00 | Yes | 4 out of 5 stars |
| Freedom Plus (HMO) | H3384-059-000 | $37.00 | $0.00 | $6,700.00 | Yes | 4.5 out of 5 stars |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) | H3533-002-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | H5970-016-000 | $0.00 | N/A | $4,950.00 | No | 3.5 out of 5 stars |
| HumanaChoice H5970-029 (PPO) | H5970-029-000 | $28.00 | $590.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP) | H5970-020-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Senior Blue 652 (HMO) | H3384-013-000 | $107.00 | $0.00 | $6,700.00 | Yes | 4.5 out of 5 stars |
| UHC Complete Care NY-33 (HMO-POS C-SNP) | H3379-056-000 | $0.00 | $340.00 | $7,200.00 | Yes | 3.5 out of 5 stars |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | H3387-015-001 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| UHC Dual Complete NY-S001 (PPO D-SNP) | H2001-063-001 | $0.00 | $0.00 | $9,350.00 | Yes | 4 out of 5 stars |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | H3387-014-001 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Wellcare Assist Open (PPO) | H2775-113-000 | $28.30 | $580.00 | $8,850.00 | Yes | 2.5 out of 5 stars |
| Wellcare Dual Access (HMO D-SNP) | H4868-004-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Wellcare Dual Access Open (PPO D-SNP) | H2775-112-000 | $0.00 | $0.00 | $9,350.00 | Yes | 2.5 out of 5 stars |
| Wellcare Fidelis Assist (HMO-POS) | H5599-002-000 | $38.40 | $460.00 | $6,900.00 | Yes | 3 out of 5 stars |
| Wellcare Fidelis Dual Access (HMO D-SNP) | H5599-001-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3 out of 5 stars |
| Wellcare Fidelis Simple (HMO-POS) | H5599-004-000 | $0.00 | $420.00 | $8,300.00 | Yes | 3 out of 5 stars |
| Wellcare Giveback Open (PPO) | H2775-111-000 | $0.00 | $420.00 | $8,850.00 | Yes | 2.5 out of 5 stars |
| Wellcare Patriot Simple (HMO-POS) | H4868-003-000 | $0.00 | N/A | $6,700.00 | No | 3.5 out of 5 stars |
| Wellcare Premium Ultra Open (PPO) | H2775-105-000 | $114.00 | $420.00 | $3,400.00 | Yes | 2.5 out of 5 stars |
| Wellcare Simple (HMO-POS) | H4868-019-000 | $0.00 | $420.00 | $8,300.00 | Yes | 3.5 out of 5 stars |
| Wellcare Simple Open (PPO) | H2775-106-000 | $0.00 | $420.00 | $8,850.00 | Yes | 2.5 out of 5 stars |