Top-Rated Medicare Advantage Plans in Fernley (Lyon County) for 2027
UnitedHealthcare, Humana and Prominence Health Plan have 2027 plans in Lyon County rated 3.5 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Top-rated Medicare Advantage plans in Lyon County (2027 CMS Star Ratings)
Of the 19 Medicare Advantage plans offered in Lyon County for 2027, 0 are rated 5 stars, 2 are rated 4.5 stars and 7 are rated 4 stars in the 2027 CMS Star Ratings.
Lyon County includes Fernley. Plans are approved for the whole county, so the same plans are offered in all of it.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| UHC Dual Complete NV-Q4 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 4.5 out of 5 |
| UHC Dual Complete NV-S7 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 4.5 out of 5 |
| AARP Medicare Advantage from UHC NV-0003 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NV-0006 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | 4 out of 5 |
| Humana Total Complete (HMO) | Humana | HMO | 4 out of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4 out of 5 (health plan rating) |
| Humana Value Choice (PPO) | Humana | PPO | 4 out of 5 |
| HumanaChoice SNP-DE H5216-302 (PPO D-SNP) | Humana | PPO D-SNP | 4 out of 5 |
| Prominence Dual (HMO D-SNP) | Prominence Health Plan | HMO D-SNP | 3.5 out of 5 |
| Prominence Extra Help (HMO) | Prominence Health Plan | HMO | 3.5 out of 5 |
| Prominence Plus (HMO) | Prominence Health Plan | HMO | 3.5 out of 5 |
| Prominence Silver Peak (HMO) | Prominence Health Plan | HMO | 3.5 out of 5 |
| Prominence Veteran (HMO) | Prominence Health Plan | HMO | 3.5 out of 5 (health plan rating) |
| Wellcare SilverSummit Healthplan Dual Access (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 3.5 out of 5 |
| Wellcare SilverSummit Healthplan Dual Liberty (HMO-POS D-SNP) | Centene (WellCare) | HMO-POS D-SNP | 3.5 out of 5 |
| Aetna Medicare Full Dual (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 3 out of 5 |
| Aetna Medicare Partial Dual (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 3 out of 5 |
| UHC Dual Complete NV-S4 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 3 out of 5 |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In Lyon County, no plan has a 5-star overall rating for 2027, so this window does not apply here; the Annual Enrollment Period, October 15 through December 7, does.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
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