Top-Rated Medicare Advantage Plans in Allegany County, NY for 2027
Independent Health, Aetna (CVS Health) and Highmark Blue Cross Blue Shield or Highmark Blue Shield have 2027 plans in Allegany County rated 4.5 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 Allegany County (2027 CMS Star Ratings)
Of the 49 Medicare Advantage plans offered in Allegany County for 2027, 0 are rated 5 stars, 9 are rated 4.5 stars and 15 are rated 4 stars in the 2027 CMS Star Ratings.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Aetna Medicare Eagle Giveback (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 (health plan rating) |
| Freedom Valor (PPO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | PPO | 4.5 out of 5 (health plan rating) |
| Independent Health's Encompass 65 (HMO) | Independent Health | HMO | 4.5 out of 5 (health plan rating) |
| Independent Health's Encompass 65 RED 042 (HMO) | Independent Health | HMO | 4.5 out of 5 |
| Independent Health's Encompass 65 RED 044 (HMO) | Independent Health | HMO | 4.5 out of 5 |
| Independent Health's Encompass 65 RED 045 (HMO) | Independent Health | HMO | 4.5 out of 5 |
| Independent Health's Medicare Family Choice (HMO I-SNP) | Independent Health | HMO I-SNP | 4.5 out of 5 |
| Independent Health's Medicare Passport Connect (PPO) | Independent Health | PPO | 4.5 out of 5 |
| UHC Dual Complete NY-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 4.5 out of 5 |
| Aetna Medicare Elite (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Longevity (PPO I-SNP) | Aetna (CVS Health) | PPO I-SNP | 4 out of 5 |
| Aetna Medicare Premier (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Aetna Medicare Signature (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Community Blue Medicare HMO 651 (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | 4 out of 5 |
| Community Blue Medicare HMO Distinct (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | 4 out of 5 |
| Community Blue Medicare HMO Signature (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | 4 out of 5 |
| Community Blue Medicare HMO Standard (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | 4 out of 5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| UHC Dual Complete NY-S4 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| Univera Medicare Freedom (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 (health plan rating) |
| Univera SeniorChoice Advanced (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 |
| Univera SeniorChoice Basic (HMO) | Excellus Health Plan, Inc | HMO | 4 out of 5 |
| Univera SeniorChoice Secure (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 |
| Univera SeniorChoice Value Plus (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 |
| AARP Medicare Advantage from UHC NY-0007 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) | UnitedHealthcare | HMO-POS | 3.5 out of 5 (health plan rating) |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 3.5 out of 5 (health plan rating) |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | 3.5 out of 5 (health plan rating) |
| MVP Medicare Secure Plus Choice with Part D (PPO) | MVP HEALTH CARE | PPO | 3.5 out of 5 |
| MVP Medicare Secure Plus with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | 3.5 out of 5 |
| MVP Medicare WellValue with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | 3.5 out of 5 |
| Senior Blue 601 (HMO) | Highmark Blue Cross Blue Shield or Highmark Blue Shield | HMO | 3.5 out of 5 (health plan rating) |
| UHC Complete Care NY-30 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 3.5 out of 5 |
| AARP Medicare Advantage from UHC NY-0019 (PPO) | UnitedHealthcare | PPO | 3 out of 5 |
| Aetna Medicare Chronic Care Total (HMO C-SNP) | Aetna (CVS Health) | HMO C-SNP | 3 out of 5 |
| Aetna Medicare Full Dual (HMO D-SNP) | Aetna (CVS Health) | HMO D-SNP | 3 out of 5 |
| Aetna Medicare Signature (HMO) | Aetna (CVS Health) | HMO | 3 out of 5 |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | Humana | HMO D-SNP | 3 out of 5 |
| HumanaChoice H5970-029 (PPO) | Humana | PPO | 3 out of 5 |
| Wellcare Assist Open (PPO) | Centene (WellCare) | PPO | 3 out of 5 |
| Wellcare Dual Access Open (PPO D-SNP) | Centene (WellCare) | PPO D-SNP | 3 out of 5 |
| Wellcare Fidelis Assist (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| Wellcare Fidelis Dual Access (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3 out of 5 |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3 out of 5 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3 out of 5 |
| Wellcare Fidelis Patriot Simple (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 (health plan rating) |
| Wellcare Fidelis Simple (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| Wellcare Giveback Open (PPO) | Centene (WellCare) | PPO | 3 out of 5 |
| Wellcare Simple Open (PPO) | Centene (WellCare) | PPO | 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 Allegany 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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