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Medicare Advantage Plans in Monroe County, NY
Looking for Medicare Advantage plans in Monroe County? Enter your ZIP Code below to compare affordable monthly premium plans in your area.
Monroe County, NY, is home to 20 Medicare Advantage (Medicare Part C) plans in 2026.
Learn more about Medicare Advantage in New York or call to speak with a licensed insurance agent who can help you compare Monroe 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, HealthspringSM, Wellcare, or Kaiser Permanente.
Enrollment may be limited to certain times of the year. See why you may be able to enroll today.
2026 Rochester Medicare Advantage Plans
Rochester Medicare Advantage plans can come in several different forms. The two most popular types are HMO and PPO plans.
No matter what type of plan it is, all Medicare Advantage plans in Rochester and around the country combine your Medicare Part A and Part B benefits into one single plan. Many of these plans also offer additional benefits Original Medicare (Parts A and B) doesn't cover.
Learn more and review this list of 2026 Rochester Medicare Advantage plans.
2026 Medicare Advantage plans in Monroe County
| 2026 Medicare Advantage Plans in Monroe | |
|---|---|
| Number of unique plans | 20 |
| Average monthly premium | $86.96 |
| Average (in-network) out-of-pocket maximum | $3,900.00 |
| Average Medicare Star Rating* | 2.2 |
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 2026.
The average monthly premium for Medicare Advantage plans in Monroe is $86.96 per month in 2026, though there may be plans available where you live that feature different premiums.
Medicare Advantage plans in Monroe County have an average Medicare Star Rating of 2.2 in 2026.* 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.
List of Medicare Advantage plans in Monroe County
The following table includes cost information and other plan details for Medicare Advantage plans available in Monroe County in 2026.
| Plan Name | Plan Code | Monthly Premium | Deductible | Out of Pocket Max | Prescription Drug Coverage | Medicare Star Rating |
|---|---|---|---|---|---|---|
| Aetna Medicare Eagle Giveback (PPO) | H5521-323-000 | $0.00 | N/A | $9,250.00 | No | 4.5 out of 5 stars |
| Aetna Medicare Elite (PPO) | H5521-521-000 | $84.00 | $615.00 | $9,250.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Enhanced (PPO) | H5521-522-000 | $131.00 | $615.00 | $9,250.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Full Dual (HMO D-SNP) | H3312-087-000 | $0.00 | $615.00 | $0.00 | Yes | 3 out of 5 stars |
| Aetna Medicare Longevity (PPO I-SNP) | H5521-461-000 | $58.80 | $615.00 | $9,250.00 | Yes | Plan too new to be measured |
| Disabled American Veterans High Plan | H5216-805-612 | $300.34 | $0.00 | $400.00 | No | Plan too new to be measured |
| Disabled American Veterans Low Plan | H5216-805-611 | $234.57 | $0.00 | $2,000.00 | No | Plan too new to be measured |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) | H3533-002-000 | $0.00 | $0.00 | $0.00 | Yes | 3 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | H5970-016-000 | $0.00 | N/A | $4,950.00 | No | 3 out of 5 stars |
| HumanaChoice Giveback H5970-030 (PPO) | H5970-030-000 | $0.00 | $615.00 | $9,250.00 | Yes | 3 out of 5 stars |
| HumanaChoice H5970-029 (PPO) | H5970-029-000 | $32.00 | $615.00 | $9,250.00 | Yes | 3 out of 5 stars |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP) | H5970-020-000 | $0.00 | $0.00 | $0.00 | Yes | 3 out of 5 stars |
| L3 Harris | H5216-805-249 | $176.59 | $0.00 | $1,750.00 | No | Plan too new to be measured |
| Savannah River Mission Completion High Plan | H5216-805-604 | $286.54 | $0.00 | $400.00 | No | Plan too new to be measured |
| Savannah River Mission Completion Low Plan | H5216-805-603 | $179.83 | $0.00 | $2,000.00 | No | Plan too new to be measured |
| The Clorox Company High Plan | H5216-805-609 | $178.68 | $0.00 | $5,000.00 | No | Plan too new to be measured |
| The Clorox Company Low Plan | H5216-805-608 | $76.90 | $0.00 | $6,000.00 | No | Plan too new to be measured |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | H3387-015-001 | $0.00 | $615.00 | $0.00 | Yes | 4 out of 5 stars |
| UHC Dual Complete NY-S001 (PPO D-SNP) | H2001-063-001 | $0.00 | $615.00 | $0.00 | Yes | 4.5 out of 5 stars |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | H3387-014-001 | $0.00 | $615.00 | $0.00 | Yes | 4 out of 5 stars |
List of Medicare Prescription Drug Plans in Monroe County
The following table includes cost information and other plan details for Medicare Prescription Drug Plans available in Monroe County in 2026.
| Plan Name | Plan Code | Monthly Premium | Deductible | Preferred Pharmacies | Accepts Mail Order | Medicare Star Rating |
|---|---|---|---|---|---|---|
| AARP Medicare Rx Preferred from UHC (PDP) | S5921-382-000 | $163.70 | $130.00 | Yes | Yes | 2 out of 5 stars |
| AARP Medicare Rx Saver from UHC (PDP) | S5921-379-000 | $105.80 | $615.00 | Yes | Yes | 2 out of 5 stars |
| HealthSpring Assurance Rx (PDP) | S5617-013-000 | $35.70 | $615.00 | Yes | Yes | 2.5 out of 5 stars |
| HealthSpring Extra Rx (PDP) | S5617-353-000 | $91.60 | $615.00 | Yes | Yes | 2.5 out of 5 stars |
| Humana Basic Rx Plan (PDP) | S5884-216-000 | $140.90 | $615.00 | Yes | Yes | Plan too new to be measured |
| Humana Premier Rx Plan (PDP) | S5884-217-000 | $173.60 | $0.00 | Yes | Yes | Plan too new to be measured |
| Humana Value Rx Plan (PDP) | S5884-218-000 | $158.90 | $601.00 | Yes | Yes | Plan too new to be measured |
| SilverScript Choice (PDP) | S5601-006-000 | $116.00 | $615.00 | No | Yes | 3 out of 5 stars |
Fall Medicare open enrollment in Rochester
The fall Medicare Open Enrollment Period (also called the Annual Enrollment Period, or AEP) is an important time for Rochester Medicare beneficiaries. Depending on your circumstances, this may be the only time you can make changes to your Medicare coverage.
This 2026 Medicare open enrollment period lasts from October 15 until December 7. This period is open to all eligible Medicare beneficiaries who wish to add, drop or change Medicare plans.
Connect with a licensed insurance agent today for help determining your eligibility and finding the best 2026 Medicare Advantage plan in Rochester for you.