Top-Rated Medicare Advantage Plans in Oneonta (Otsego County) for 2027
Aetna (CVS Health), UnitedHealthcare and Excellus Health Plan, Inc have 2027 plans in Otsego 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 Otsego County (2027 CMS Star Ratings)
Of the 28 Medicare Advantage plans offered in Otsego County for 2027, 0 are rated 5 stars, 2 are rated 4.5 stars and 6 are rated 4 stars in the 2027 CMS Star Ratings. 3 plans have no 2027 star score: CMS lists 3 “Not enough data available”.
Otsego County includes Oneonta. Plans are approved for the whole county, so the same plans are offered in all of it.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| 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 |
| Medicare Blue Choice 032 (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 |
| Medicare Blue Choice 033 (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-S4 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| 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 |
| Aetna Medicare Chronic Care Total (HMO C-SNP) | Aetna (CVS Health) | HMO C-SNP | 3 out of 5 |
| Aetna Medicare Elite (HMO) | Aetna (CVS Health) | HMO | 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 |
| 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 |
| 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 |
| 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 Otsego 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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