Top-Rated Medicare Advantage Plans in Schenectady (Schenectady County) for 2027
UnitedHealthcare, Aetna (CVS Health) and VNS Health Medicare have 2027 plans in Schenectady 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 Schenectady County (2027 CMS Star Ratings)
Of the 57 Medicare Advantage plans offered in Schenectady 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. 9 plans have no 2027 star score: CMS lists 6 “Plan too new to be measured” and 3 “Not enough data available”.
Schenectady County includes Schenectady. 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 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 Enhanced (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 |
| Hamaspik Medicare Select (HMO D-SNP) | Hamaspik, Inc. | HMO D-SNP | 4 out of 5 |
| Senior Blue 652 (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-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 |
| VNS Health EasyCare (HMO) | VNS Health Medicare | HMO | 4 out of 5 |
| VNS Health EasyCare Plus (HMO D-SNP) | VNS Health Medicare | HMO D-SNP | 4 out of 5 |
| VNS Health Total (HMO D-SNP) | VNS Health Medicare | HMO D-SNP | 4 out of 5 |
| AARP Medicare Advantage from UHC NY-29 (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) |
| CDPHP $0 Medicare Rx (HMO) | CDPHP Medicare Advantage | HMO | 3.5 out of 5 |
| CDPHP Choice Rx (HMO) | CDPHP Medicare Advantage | HMO | 3.5 out of 5 |
| CDPHP Clear Rx (HMO) | CDPHP Medicare Advantage | HMO | 3.5 out of 5 |
| CDPHP Core (HMO) | CDPHP Medicare Advantage | HMO | 3.5 out of 5 (health plan rating) |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 3.5 out of 5 (health plan rating) |
| MVP DualAccess (HMO D-SNP) | MVP HEALTH CARE | HMO D-SNP | 3.5 out of 5 |
| MVP DualAccess Complete (HMO D-SNP) | MVP HEALTH CARE | HMO D-SNP | 3.5 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 |
| UHC Complete Care NY-33 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 3.5 out of 5 |
| AARP Medicare Advantage from UHC NY-0015 (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 |
| Anthem HealthPlus Full Dual Advantage (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP | 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 |
| 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 |
| DEVOTED C-SNP CHOICE ENHANCED 017 NY (PPO C-SNP) | Devoted Health | PPO C-SNP | Plan too new to be measured |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 023 NY (PPO C-SNP) | Devoted Health | PPO C-SNP | Plan too new to be measured |
| DEVOTED C-SNP CHOICE PLUS 015 NY (PPO C-SNP) | Devoted Health | PPO C-SNP | Plan too new to be measured |
| DEVOTED CHOICE 003 NY (PPO) | Devoted Health | PPO | Plan too new to be measured |
| DEVOTED CHOICE GIVEBACK 004 NY (PPO) | Devoted Health | PPO | Plan too new to be measured |
| DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO) | Devoted Health | PPO | Plan too new to be measured |
| 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 Schenectady 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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