Medicare Advantage

Yonkers Medicare Advantage 2027: plans by carrier

Westchester County has 65 Medicare Advantage plans for 2027. Compared with 2026, 20 plans are not coming back, 8 are new, and 21 continuing plans changed in some way you should check before December 7, 3 of them under a new name. This guide covers what those numbers mean for Yonkers, not which plan to pick.

Medicare AdvantageYonkers, NY

If you live in Yonkers and are shopping Medicare Advantage for 2027, you have a menu to sort through. Yonkers is in Westchester County, where the Centers for Medicare & Medicaid Services (CMS) lists 62 Medicare Advantage plans from 15 carriers for the 2027 plan year. Every one of those plans includes prescription drug coverage. The table below lists every plan available in the county, with the carrier, the plan type (HMO, HMO-POS or PPO) and whether it is a Special Needs Plan.

Yonkers Medicare Advantage 2027: the full plan lineup by carrier

This article walks through how the lineup is organized so you can use the table with a clearer eye. It does not rank plans, quote premiums, or tell you which one to pick — those details belong on the Medicare Plan Finder at medicare.gov or in each plan's own documents.

What's actually in the Yonkers-area lineup

The 77 plans available in Westchester County come from 16 carriers. In alphabetical order, they are Aetna (CVS Health) with 9 plans, Blue Cross Blue Shield (HCSC) with 1, Centene (WellCare) with 12, Elderplan with 6, ElderServe Health with 2, Elevance Health (Anthem) with 8, EmblemHealth with 4, Hamaspik, Inc. with 2, Healthfirst Medicare Plan with 6, Humana with 5, Longevity Health Plan with 1, MVP Health Care with 5, Senior Whole Health of New York with 2, UnitedHealthcare with 8, VillageCareMAX with 3, and VNS Health Medicare with 3.

Every plan is a Medicare Advantage plan with Part D drug coverage built in (an "MA-PD"). CMS lists no stand-alone Part D plans in the county roster for 2027, because everyone in the Advantage roster already includes drugs.

HMO, HMO-POS or PPO: how to read the plan types

Plan type is the first filter most people use, because it affects how you see doctors and specialists.

• HMO plans generally require you to use in-network providers and get referrals for specialists. Westchester County has 35 HMO plans, including options such as Anthem Medicare Advantage (HMO), EmblemHealth VIP Gold (HMO), Healthfirst Signature (HMO), and VNS Health EasyCare (HMO).
• HMO-POS plans are HMOs with a "point-of-service" option that lets you go out of network for certain services, usually at a higher cost. The county has 23 of these, including plans from Aetna, Elderplan, MVP and UnitedHealthcare.
• PPO plans let you see out-of-network providers who accept Medicare, generally at a higher cost-share. The county has 19 PPOs, including plans from Aetna, Centene (WellCare), Healthfirst, Humana, MVP and UnitedHealthcare.

The table below shows the exact plan type next to each plan's name.

Special Needs Plans: 39 of the 77

More than half of the Yonkers-area lineup — 39 plans — are Special Needs Plans, or SNPs. These are Medicare Advantage plans built for people who fit specific eligibility rules:

• D-SNPs are for people who have both Medicare and Medicaid ("dual eligibles").
• I-SNPs are for people who live in an institutional setting such as a nursing home, or who need that level of care at home.
• C-SNPs are for people with certain chronic conditions. (Westchester's 2027 roster leans toward D-SNPs and I-SNPs.)

You cannot enroll in a SNP unless you meet the eligibility rules for that plan. If a plan name in the table ends in "D-SNP" or "I-SNP," that is a signal it isn't a general-market plan.

Star Ratings and what the area data shows

CMS publishes Star Ratings for Medicare Advantage contracts each year. In the Westchester County area, CMS shows no contracts rated 4 stars or higher for 2027 in the current landscape data. Ratings can shift year to year, and one contract often covers plans across many counties, so check the current rating for any specific plan on medicare.gov before you enroll. Ratings are one input among many — network, drug coverage, cost-sharing and extra benefits all matter too.

Program rules that apply no matter which plan you pick

A few 2027 numbers apply across all Part D coverage, including the drug coverage built into every Advantage plan in the county:

• The Part D out-of-pocket cap is $2,400 for 2027. Once your covered drug spending hits that amount, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027). Plans can charge less; they can't charge more.
• The coverage gap ("donut hole") is gone as of 2025. Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan is an option to spread your drug costs into level monthly payments across the year, at no extra charge. You have to opt in.
• IRMAA — the income-related surcharge on Part B and Part D — starts above $109,000 in income for a single filer in 2026.

Key dates for Yonkers residents

• Oct. 15 – Dec. 7: Medicare's Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan for coverage starting Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an Advantage plan, you can switch to a different Advantage plan or go back to Original Medicare (and add a Part D plan) once during this window.

How to use the table

Scan by carrier first if you already have a doctor or hospital preference — most systems in Westchester contract with a specific set of carriers. Then narrow by plan type (HMO, HMO-POS or PPO) based on how much flexibility you want to see providers out of network. Finally, check whether a plan is a SNP; if you don't meet the SNP eligibility rules, that plan is not an option for you.

For the details the roster cannot show — premium, deductible, drug tier costs for the medications you take, the provider and pharmacy network, and the current Star Rating — enter your ZIP code and drug list at medicare.gov/plan-compare. That's the only tool that pulls plan-specific cost estimates based on your own prescriptions.