Frederick County, Maryland — 2026 Medicare Advantage plans
36 individual Medicare Advantage plan segments from 8 parent organizations are filed for Frederick County for 2026, per CMS public files. This page reports what was filed; it does not rank or recommend plans.
CMS public dataReported, not recommendedNo broker influenceNo paid placementDirect from CMS sources
36plans filed −3 vs prior year
15with a $0 premium +1 vs prior year
$7,550median in-network MOOP unchanged vs prior year
10on 4-star or better contracts
29report comprehensive dental
27report an OTC allowance
Quick filters:
| Plan | Type | Premium | In-network MOOP | Part D deductible | Star rating | OTC allowance | Supplemental benefits reported |
|---|---|---|---|---|---|---|---|
| Alterwood Advantage Select (HMO) LifeBridge Health, Inc. · H9306-009-001 · SoB ✓ | HMO | $0 | $7,500 | $295 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| CareFirst BlueCross BlueShield Advantage DualPrime (HMO D-SNP) CareFirst, Inc. · H8854-002-000 · SoB | HMO D-SNP | $0 | $8,850 | $615 | 3.0out of 5 stars, Average | $130 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| CareFirst BlueCross BlueShield Advantage Essential (PPO) CareFirst, Inc. · H7379-001-000 · SoB | PPO | $0 | $8,300 | $0 | 3.5out of 5 stars, Average | $50 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| HumanaChoice SNP-DE H5216-459 (PPO D-SNP) Humana Inc. · H5216-459-000 · SoB ✓ | PPO D-SNP | $0 | $9,250 | $615 | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation Meals |
| Kaiser Permanente Dual Complete Plan 1 MD (HMO D-SNP) Kaiser Foundation Health Plan, Inc. · H2172-016-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $210 | 4.5out of 5 stars, Above average | $60 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Kaiser Permanente Dual Essential Plan 1 MD (HMO D-SNP) Kaiser Foundation Health Plan, Inc. · H2172-018-000 · SoB ✓ | HMO D-SNP | $0 | $9,250 | $200 | 4.5out of 5 stars, Above average | $30 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Kaiser Permanente Medicare Advantage Value 1 MD (HMO) Kaiser Foundation Health Plan, Inc. · H2172-025-000 · SoB ✓ | HMO | $0 | $8,200 | $0 | 4.5out of 5 stars, Above average | $25 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Provider Partners Maryland Community Plan (HMO I-SNP) Rifkin Managed Care Holding, LLC · H8067-003-000 · SoB | HMO I-SNP | $0 | $3,750 | $615 | Not rated | $100 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| UHC Dual Complete MD-S002 (HMO D-SNP) UnitedHealth Group, Inc. · H7464-008-001 · SoB ✓ | HMO D-SNP | $3.60 | $9,250 | $615 | 3.5out of 5 stars, Average | Reported | Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Johns Hopkins Advantage MD Primary (PPO) Johns Hopkins Healthcare LLC · H3890-005-000 · SoB | PPO | $5 | $7,550 | $590 | 3.0out of 5 stars, Average | — | Vision exam Eyewear |
| HumanaChoice H7617-044 (PPO) Humana Inc. · H7617-044-000 · SoB ✓ | PPO | $9.30 | $7,550 | $615 | 4.5out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids Meals |
| HumanaChoice H5216-376 (PPO) Humana Inc. · H5216-376-000 · SoB ✓ | PPO | $9.40 | $7,550 | $615 | 3.5out of 5 stars, Average | — | Vision exam Eyewear Hearing aids Meals |
| UHC Nursing Home Plan EX-F004 (PPO I-SNP) UnitedHealth Group, Inc. · H0710-032-000 · SoB ✓ | PPO I-SNP | $27.80 | $9,250 | $615 | 4.5out of 5 stars, Above average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS) Kaiser Foundation Health Plan, Inc. · H2172-021-000 · SoB ✓ | HMO-POS | $28 | $7,900 | $0 | 4.5out of 5 stars, Above average | $40 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Alterwood Advantage Dual Secure (HMO D-SNP) LifeBridge Health, Inc. · H9306-004-000 · SoB ✓ | HMO D-SNP | $28.10 | $9,250 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| HumanaChoice SNP-DE H5216-377 (PPO D-SNP) Humana Inc. · H5216-377-000 · SoB ✓ | PPO D-SNP | $28.40 | $9,250 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Alterwood Advantage Choice (HMO) LifeBridge Health, Inc. · H9306-008-001 · SoB ✓ | HMO | $30 | $7,500 | $0 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Alterwood Advantage Dual Value (HMO D-SNP) LifeBridge Health, Inc. · H9306-007-000 · SoB ✓ | HMO D-SNP | $31.20 | $9,250 | $615 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Johns Hopkins Advantage MD D-SNP (HMO D-SNP) Johns Hopkins Healthcare LLC · H1225-003-000 · SoB | HMO D-SNP | $31.20 | $9,250 | $615 | 3.5out of 5 stars, Average | $50 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Provider Partners Maryland Advantage Plan (HMO I-SNP) Rifkin Managed Care Holding, LLC · H8067-001-000 · SoB | HMO I-SNP | $31.20 | $9,250 | $615 | Not rated | $175 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Provider Partners Maryland Essential Plan (HMO I-SNP) Rifkin Managed Care Holding, LLC · H8067-004-000 · SoB | HMO I-SNP | $31.20 | $9,250 | $615 | Not rated | $150 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| CareFirst BlueCross BlueShield Advantage Complete (PPO) CareFirst, Inc. · H7379-002-000 · SoB | PPO | $42 | $7,300 | $0 | 3.5out of 5 stars, Average | $55 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Johns Hopkins Advantage MD (HMO) Johns Hopkins Healthcare LLC · H1225-001-000 · SoB | HMO | $45 | $8,950 | $590 | 3.5out of 5 stars, Average | $30 | Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Aetna Medicare Elite (PPO) CVS Health Corporation · H5521-482-000 · SoB ✓ | PPO | $46 | $6,750 | $615 | 4.5out of 5 stars, Above average | — | Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| HumanaChoice H5216-387 (PPO) Humana Inc. · H5216-387-001 · SoB ✓ | PPO | $54 | $7,550 | $500 | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Johns Hopkins Advantage MD (PPO) Johns Hopkins Healthcare LLC · H3890-001-000 · SoB | PPO | $95 | $7,550 | $615 | 3.0out of 5 stars, Average | — | Vision exam Eyewear Hearing aids |
| Kaiser Permanente Medicare Advantage High MD (HMO-POS) Kaiser Foundation Health Plan, Inc. · H2172-002-000 · SoB ✓ | HMO-POS | $104 | $5,700 | $0 | 4.5out of 5 stars, Above average | $25 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Alterwood Advantage Choice Plus (HMO) LifeBridge Health, Inc. · H9306-002-000 · SoB ✓ | HMO | $122 | $6,500 | $0 | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Johns Hopkins Advantage MD Plus (PPO) Johns Hopkins Healthcare LLC · H3890-002-000 · SoB | PPO | $155 | $7,550 | $615 | 3.0out of 5 stars, Average | — | Vision exam Eyewear Hearing aids |
| Aetna Medicare Eagle Giveback (PPO) CVS Health Corporation · H5521-480-000 · SoB ✓ | PPO | — | $6,750 | — | 4.5out of 5 stars, Above average | $60 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| Alterwood Advantage Freedom (HMO) LifeBridge Health, Inc. · H9306-003-000 · SoB ✓ | HMO | — | $9,250 | — | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| CareFirst BlueCross BlueShield Advantage Salute (PPO) CareFirst, Inc. · H7379-003-000 · SoB | PPO | — | $5,900 | — | 3.5out of 5 stars, Average | $40 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H5216-379-000 · SoB ✓ | PPO | — | $6,750 | — | 3.5out of 5 stars, Average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation Meals |
| Humana USAA Honor Giveback (PPO) Humana Inc. · H5216-386-001 · SoB ✓ | PPO | — | $6,750 | — | 3.5out of 5 stars, Average | Reported | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Johns Hopkins Advantage MD Tribute (HMO) Johns Hopkins Healthcare LLC · H1225-004-000 · SoB | HMO | — | $6,800 | — | 3.5out of 5 stars, Average | $35 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance |
| Kaiser Permanente Medicare Advantage Liberty (HMO) Kaiser Foundation Health Plan, Inc. · H2172-005-000 · SoB ✓ | HMO | — | $5,900 | — | 4.5out of 5 stars, Above average | $25 | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
What the star rating means. CMS rates every Medicare Advantage contract (the "H" number in the plan ID — all plans under it share the rating) on a 1-to-5 scale each October, from about 40 measures of care quality, member experience, complaints and appeals, customer service and, for plans with drug coverage, drug safety and pricing. The 2026 rating is largely based on performance measured in 2024.
5 Excellent4 Above average3 Average2 Below average1 Poor
Not rated means CMS published no overall rating — usually a contract too new to be measured or with too few members ("not enough data"); it is not a low score. A 5-star contract can be joined outside the normal enrollment windows (the 5-star Special Enrollment Period, Dec 8 – Nov 30). Medicare.gov flags contracts rated below 3 stars for three years running as low-performing. Stars describe the contract's past performance as CMS measured it; they are not a recommendation, and they do not tell you whether a plan's network, drugs or costs fit you.
How to read this table
Yes — the plan's approved bid reports the benefit. No — the bid reports it is not offered. — — CMS did not publish a value for this field; that is not the same as No. Reported under an allowance column means the benefit is offered but CMS published no dollar amount. Premium is the CMS consolidated monthly premium (Part C + Part D). MOOP is the in-network maximum out-of-pocket. Star rating is the contract's overall rating in the CMS file used for this build. SNP plans (D-SNP, C-SNP, I-SNP) are limited to people who meet the plan's eligibility rules. A plan's own Summary of Benefits and Evidence of Coverage govern the details.
Click a column header to sort. On small screens the Part D deductible and OTC columns are hidden; open a plan for the full record.
Is a drug covered by plans in Frederick County?
Before enrolling or making a coverage decision, confirm current details with the plan, Medicare.gov, your State Health Insurance Assistance Program (SHIP), or 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048). MedicareBenefits.care reports CMS-filed data and does not verify provider networks, pharmacy participation, or final plan terms.
Download all 36 Frederick County plans as CSVEvery column on this page plus the 14 benefit flags and published allowances — part of Pro, $99/month or $990/year.