Medicare Advantage

Aetna Medicare Advantage in New York for 2027: 41 Plans, County by County

ALBANY, N.Y. — For the 2027 plan year, Aetna (which CMS groups as Aetna (CVS Health)) will offer 41 Medicare Advantage plans across New York, according to the CMS Medicare Advantage Landscape Source File. The mix includes HMO, HMO-POS and PPO options, along with Special Needs Plans for people with specific health or financial situations. Because Medicare Advantage is sold county by county, a plan that appears on the statewide list may or may not be available where you live.

2027 plan lineupNew York

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What Aetna offers in New York for 2027

Statewide, Aetna's 2027 lineup breaks down as 16 HMO plans, 2 HMO-POS plans and 23 PPO plans. Within that total, 8 plans are Special Needs Plans: 3 Dual-Eligible SNPs (D-SNP) for people who have both Medicare and Medicaid, 4 Chronic Condition SNPs (C-SNP) for people with qualifying chronic conditions, and 1 Institutional SNP (I-SNP) for people who meet an institutional level of care.

All 41 Aetna plans include Part D prescription drug coverage. For context, 23 other carriers also offer Medicare Advantage plans somewhere in New York for 2027, and the statewide total across every carrier is 224 plans. The full plan-by-plan list is rendered as a table elsewhere on this page.

Aetna's plans with the widest county reach

Looking at the county counts in the CMS file, a handful of Aetna plans show up in many New York counties. The widest reach belongs to Aetna Medicare Longevity (PPO I-SNP), listed in 62 counties — an Institutional SNP, so eligibility is limited. Aetna Medicare Eagle Giveback (PPO) appears in 53 counties. Two chronic-condition plans — Aetna Medicare Chronic Care Total (HMO C-SNP) and Aetna Medicare Full Dual (HMO D-SNP) — are each listed in 45 counties, though both are SNPs that only accept members who meet their eligibility rules.

Among the general-enrollment HMO and PPO options, Aetna Medicare Signature (HMO), Aetna Medicare Signature (HMO) (new for 2027) and Aetna Medicare Elite (PPO) (new for 2027) reach the most counties. "Widest reach" is simply about geography; it is not a statement about quality, cost or fit for any individual.

What is new or not returning

Year over year, Aetna is adding 10 new plans in New York for 2027 and discontinuing 10 plans that will not return. New-for-2027 entries include additional versions of Aetna Medicare Elite (HMO), Aetna Medicare Elite (PPO), Aetna Medicare Signature (HMO), and both Aetna Medicare Chronic Care (HMO C-SNP) and Aetna Medicare Chronic Care Total (HMO C-SNP).

Two plans are being renamed rather than ended: one Aetna Medicare Enhanced (PPO) was previously called Aetna Medicare Premier (PPO), and the plan now called Aetna Medicare FIDE (HMO D-SNP) was previously Aetna Medicare FIDE Care (HMO D-SNP). A rename can still come with other changes, so the Annual Notice of Change (ANOC) your plan mails each fall is the document to read closely.

If your current Aetna plan is not on the 2027 list, your coverage under that specific plan ends December 31, 2026, and you will need to pick a new plan during the Annual Enrollment Period if you want Medicare Advantage coverage to continue without a gap.

Checking whether a plan is offered in your county

A plan listed statewide may not be offered in your county. Before you count on any Aetna plan, confirm three things:

1. County availability. Enter your ZIP code at medicare.gov and look for the exact plan name on the results list. 2. Doctors and hospitals. Use the plan's online provider directory, or call Aetna member services using the number on the plan's page, to verify that your providers are in network for 2027. 3. Prescriptions. Check each medication against the plan's 2027 formulary (drug list), including tier, quantity limits and any prior-authorization rules.

Two plans with similar names — for example, several versions of "Aetna Medicare Signature (HMO)" or "Aetna Medicare Elite (PPO)" — can have different county footprints, networks and drug lists. Match the plan ID shown on medicare.gov, not just the name.

What to do before December 7

The Annual Enrollment Period runs October 15 – December 7, 2026. A choice made during that window takes effect January 1, 2027. A practical checklist:

• Read your current plan's Annual Notice of Change, which arrives by late September 2026.
• Make a list of your doctors, preferred hospitals and current prescriptions (with dosages).
• Compare plans side by side at medicare.gov using your ZIP code.
• If you qualify, consider whether a D-SNP, C-SNP or I-SNP fits your situation — these have specific eligibility rules.
• Confirm your enrollment in writing or by confirmation number.

If December 7 passes and you want to switch Medicare Advantage plans, the Medicare Advantage Open Enrollment Period (January 1 – March 31, 2027) allows one change for people already in a Medicare Advantage plan.

Where to get free help

• Medicare.gov — the official Plan Finder, with county-level availability, provider directories and formularies for every 2027 plan.
• 1-800-MEDICARE (1-800-633-4227) — available 24/7, including TTY 1-877-486-2048.
• Your plan's Evidence of Coverage and provider/pharmacy directories — the authoritative documents for benefits, networks and drug lists.