Top-Rated Medicare Advantage Plans in Utica (Oneida County) for 2027
UnitedHealthcare, Aetna (CVS Health) and Excellus Health Plan, Inc have 2027 plans in Oneida County rated 4 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 Oneida County (2027 CMS Star Ratings)
Of the 45 Medicare Advantage plans offered in Oneida County for 2027, 1 is rated 5 stars, 2 are rated 4.5 stars and 11 are rated 4 stars in the 2027 CMS Star Ratings. 3 plans have no 2027 star score: CMS lists 3 “Not enough data available”.
Oneida County includes Utica and Rome. Plans are approved for the whole county, so the same plans are offered in each of them.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | 5 out of 5 |
| Aetna Medicare Eagle Giveback (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 (health plan rating) |
| 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 |
| Medicare Blue Choice 024 (HMO) | Excellus Health Plan, Inc | HMO | 4 out of 5 |
| Medicare Blue Choice 025 (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 |
| Medicare Blue Choice 026 (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 |
| Medicare Blue Choice 027 (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 (health plan rating) |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| AARP Medicare Advantage from UHC NY-0006 (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 |
| UHC Complete Care NY-31 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 3.5 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 |
| Medicare Blue Dual (HMO D-SNP) | Excellus Health Plan Community Care LLC | HMO D-SNP | 3 out of 5 |
| Medicare Blue Dual Secure (HMO D-SNP) | Excellus Health Plan Community Care LLC | HMO D-SNP | 3 out of 5 |
| Trinity Health Plan New York Cash Back (HMO) | Trinity Health Plan New York | HMO | 3 out of 5 |
| Trinity Health Plan New York Glory No RX (HMO) | Trinity Health Plan New York | HMO | 3 out of 5 (health plan rating) |
| Trinity Health Plan New York No Premium (HMO) | Trinity Health Plan New York | HMO | 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 |
| Nascentia Dual Advantage (HMO D-SNP) | Nascentia Health Plus | HMO D-SNP | Not enough data availableCMS low-performing icon |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) | Nascentia Health Plus | HMO D-SNP | Not enough data availableCMS low-performing icon |
| Nascentia Skilled Nursing Facility (HMO I-SNP) | Nascentia Health Plus | HMO I-SNP | Not enough data availableCMS low-performing icon |
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.
CMS low-performing icon: the plan's contract received a summary rating of 2.5 stars or below in Part C or Part D, or both, for the last three years.
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 Oneida County, 1 Medicare Advantage plan has a 5-star overall rating for 2027, so the 5-star Special Enrollment Period can apply here.
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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