Essex County, New York — 2026 Medicare Advantage plans
28 individual Medicare Advantage plan segments from 5 parent organizations are filed for Essex County for 2026, per CMS public files. This page reports what was filed; it does not rank or recommend plans.
| Plan | Type | Premium | In-network MOOP | Part D deductible | Star rating | OTC allowance | Supplemental benefits reported |
|---|---|---|---|---|---|---|---|
| CDPHP $0 Medicare Rx (HMO) Lifetime Healthcare, Inc. · H3388-014-000 · SoB | HMO | $0 | $6,750 | $500 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation Meals |
| Wellcare Fidelis Simple (HMO-POS) Centene Corporation · H5599-004-000 · SoB ✓ | HMO-POS | $0 | $9,250 | $615 | 3.0out of 5 stars, Average | — | Vision exam Eyewear Hearing aids |
| Wellcare Giveback Open (PPO) Centene Corporation · H2775-111-000 · SoB ✓ | PPO | $0 | $9,250 | $615 | 3.0out of 5 stars, Average | — | Vision exam |
| Wellcare Simple Open (PPO) Centene Corporation · H2775-106-000 · SoB ✓ | PPO | $0 | $9,250 | $615 | 3.0out of 5 stars, Average | — | Vision exam Eyewear Hearing aids |
| Aetna Medicare Partial Dual (HMO D-SNP) CVS Health Corporation · H3312-089-000 · SoB ✓ | HMO D-SNP | $5.90 | $9,250 | $615 | 3.0out of 5 stars, Average | $15 | Vision exam Eyewear Hearing aids OTC allowance Meals |
| Aetna Medicare Full Dual (HMO D-SNP) CVS Health Corporation · H3312-070-000 · SoB ✓ | HMO D-SNP | $23.10 | $9,250 | $615 | 3.0out of 5 stars, Average | $140 | Vision exam Eyewear Hearing aids OTC allowance Meals |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) UnitedHealth Group, Inc. · H3387-015-001 · SoB ✓ | HMO-POS D-SNP | $31 | $9,250 | $615 | 4.0out of 5 stars, Above average | Reported | Vision exam Eyewear Hearing aids OTC allowance Meals |
| Wellcare Fidelis Assist (HMO-POS) Centene Corporation · H5599-002-000 · SoB ✓ | HMO-POS | $32.50 | $9,250 | $615 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| UHC Dual Complete NY-S001 (PPO D-SNP) UnitedHealth Group, Inc. · H2001-063-001 · SoB ✓ | PPO D-SNP | $52.80 | $9,250 | $615 | 4.5out of 5 stars, Above average | Reported | Vision exam Eyewear Hearing aids OTC allowance Meals |
| Aetna Medicare Enhanced (PPO) CVS Health Corporation · H5521-520-000 · SoB ✓ | PPO | $56 | $9,250 | $615 | 4.5out of 5 stars, Above average | — | Vision exam Eyewear Hearing aids Meals |
| Aetna Medicare Longevity (PPO I-SNP) CVS Health Corporation · H5521-461-000 · SoB ✓ | PPO I-SNP | $58.80 | $9,250 | $615 | 4.5out of 5 stars, Above average | $150 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) UnitedHealth Group, Inc. · H3387-014-001 · SoB ✓ | HMO-POS D-SNP | $58.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | Reported | Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| UHC Dual Complete NY-Y001 (HMO-POS D-SNP) UnitedHealth Group, Inc. · H3387-013-000 · SoB ✓ | HMO-POS D-SNP | $58.80 | $9,250 | $615 | 4.0out of 5 stars, Above average | Reported | OTC allowance Meals |
| Wellcare Assist Open (PPO) Centene Corporation · H2775-113-000 · SoB ✓ | PPO | $58.80 | $9,250 | $530 | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Wellcare Dual Access Open (PPO D-SNP) Centene Corporation · H2775-112-000 · SoB ✓ | PPO D-SNP | $58.80 | $9,250 | $510 | 3.0out of 5 stars, Average | Reported | Vision exam Eyewear Hearing aids OTC allowance Meals |
| Wellcare Fidelis Dual Align (HMO D-SNP) Centene Corporation · H5599-003-000 · SoB ✓ | HMO D-SNP | $58.80 | $9,250 | $615 | 3.0out of 5 stars, Average | Reported | Vision exam Eyewear Hearing aids OTC allowance Meals |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) Centene Corporation · H5599-013-001 · SoB ✓ | HMO D-SNP | $58.80 | $9,250 | $580 | 3.0out of 5 stars, Average | Reported | Vision exam Eyewear Hearing aids OTC allowance Meals |
| CDPHP Clear Rx (HMO) Lifetime Healthcare, Inc. · H3388-020-000 · SoB ✓ | HMO | $100 | $6,400 | $250 | 4.5out of 5 stars, Above average | — | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation Meals |
| CDPHP Choice Rx (HMO) Lifetime Healthcare, Inc. · H3388-002-000 · SoB ✓ | HMO | $135 | $6,000 | $0 | 4.5out of 5 stars, Above average | $50 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Medicare BluePlus (PPO) Lifetime Healthcare, Inc. · H3335-018-000 · SoB | PPO | $140 | $7,900 | $615 | 3.5out of 5 stars, Average | — | Comprehensive dental Vision exam Eyewear Hearing aids |
| MVP Medicare Complete Wellness with Part D (PPO) MVP Health Care, Inc. · H9615-022-000 · SoB | PPO | $174 | $9,250 | $615 | 3.5out of 5 stars, Average | $25 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance |
| Aetna Medicare Eagle Giveback (PPO) CVS Health Corporation · H5521-323-000 · SoB ✓ | PPO | — | $9,250 | — | 4.5out of 5 stars, Above average | $60 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
| CDPHP Core (HMO) Lifetime Healthcare, Inc. · H3388-001-000 · SoB | HMO | — | $6,100 | — | 4.5out of 5 stars, Above average | $25 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| MVP Medicare Preferred Gold without Part D (HMO-POS) MVP Health Care, Inc. · H3305-020-000 · SoB | HMO-POS | — | $7,200 | — | 4.0out of 5 stars, Above average | $25 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Medicare BlueSalute (PPO) Lifetime Healthcare, Inc. · H3335-044-000 · SoB | PPO | — | $4,500 | — | 3.5out of 5 stars, Average | $30 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Wellcare Advantage Enhanced (PFFS) Centene Corporation · H2816-037-000 · SoB ✓ | PFFS | — | $4,300 | — | 3.5out of 5 stars, Average | — | Comprehensive dental Vision exam Eyewear Hearing aids Meals |
| Wellcare Advantage Simple (PFFS) Centene Corporation · H2816-038-000 · SoB ✓ | PFFS | — | $6,700 | — | 3.5out of 5 stars, Average | — | Comprehensive dental Vision exam Eyewear |
| Wellcare Fidelis Patriot Simple (HMO-POS) Centene Corporation · H5599-010-000 · SoB ✓ | HMO-POS | — | $9,250 | — | 3.0out of 5 stars, Average | Reported | Comprehensive dental Vision exam Eyewear Hearing aids OTC allowance Meals |
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 Essex County?
Download all 28 Essex County plans as CSVEvery column on this page plus the 14 benefit flags and published allowances — part of Pro, $99/month or $990/year.