County guide · Erie County, NY · 2027 plan year
Original Medicare vs Medicare Advantage in Erie County, NY
This guide lists 36 Medicare Advantage plans for 2027 in Erie County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 36
- $0 premium
- 19 plans
- Lowest in-network limit
- $4,950
- Highest in-network limit
- $9,850
In New York, you can go back to Medigap later
New York requires Medigap companies to sell you a plan at any time of year, and your health does not change the price. So you can try Medicare Advantage and go back to Original Medicare with Medigap later.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G from $265 + a drug plan from $37.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $6,431 | $8,606 | $8,831 |
| Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H5521-215 · Medicare.gov | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $2,554 | $4,840 | $10,394 |
| VNS Health EasyCare (HMO)HMO from VNS Health Medicare · Plan ID H5549-012 · Medicare.govIts page is set for Kings County, NY | $25 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 21 services | $2,889 | $5,096 | $11,034 |
| Independent Health's Medicare Passport Connect (PPO)PPO from Independent Health · Plan ID H3344-013 · Medicare.gov | $81 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 14 services | $3,819 | $5,212 | $10,377 |
| Aetna Medicare Signature (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3312-065 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network | 3 of 5 | 19 services | $2,564 | $5,367 | $10,612 |
| Wellcare Fidelis Assist (HMO-POS)HMO-POS from Wellcare · Plan ID H5599-002 · Medicare.govIts page is set for Kings County, NY | $0 plan + Part B $209.50 | $9,850 in network | 3 of 5 | 20 services | $2,579 | $5,839 | $11,164 |
| Aetna Medicare Enhanced (PPO)PPO from Aetna Medicare · Plan ID H5521-381 · Medicare.gov | $41 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $3,046 | $5,844 | $10,766 |
| AARP Medicare Advantage from UHC NY-0007 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H3379-040 · Medicare.gov | $0 plan + Part B $209.50 | $9,300 in network | 3.5 of 5 | 24 services | $2,514 | $6,045 | $12,214 |
| Univera SeniorChoice Basic (HMO)HMO from Excellus Health Plan, Inc · Plan ID H3351-017 · Medicare.gov | $0 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 13 services | $2,719 | $6,068 | $11,089 |
| Community Blue Medicare HMO Signature (HMO)HMO from Highmark Blue Cross Blue Shield or Highmark Blue Shield · Plan ID H3384-069 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 14 services | $2,609 | $6,124 | $11,819 |
| Wellcare Assist Open (PPO)PPO from Wellcare · Plan ID H2775-113 · Medicare.govIts page is set for Kings County, NY | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 3 of 5 | 20 services | $2,584 | $6,159 | $11,914 |
| Univera SeniorChoice Advanced (HMO-POS)HMO-POS from Excellus Health Plan, Inc · Plan ID H3351-019 · Medicare.gov | $75.40 plan + Part B $209.50 | $7,500 in network | 4 of 5 | 13 services | $3,499 | $6,244 | $11,384 |
| Univera SeniorChoice Secure (HMO-POS)HMO-POS from Excellus Health Plan, Inc · Plan ID H3351-002 · Medicare.gov | $104.70 plan + Part B $209.50 | $6,000 in network | 4 of 5 | 13 services | $3,845 | $6,255 | $10,155 |
| Wellcare Giveback Open (PPO)PPO from Wellcare · Plan ID H2775-111 · Medicare.govIts page is set for Kings County, NY | $0 plan + Part B $209.50 (the plan pays back $37 of Part B) | $9,850 in network; $14,800 in and out of network | 3 of 5 | 20 services | $2,422 | $6,384 | $12,033 |
| Univera SeniorChoice Value Plus (HMO-POS)HMO-POS from Excellus Health Plan, Inc · Plan ID H3351-012 · Medicare.gov | $93.30 plan + Part B $209.50 | $6,700 in network | 4 of 5 | 13 services | $3,719 | $6,390 | $11,074 |
| Independent Health's Encompass 65 RED 042 (HMO)HMO from Independent Health · Plan ID H3362-042 · Medicare.gov | $49 plan + Part B $209.50 | $9,850 in network | 4.5 of 5 | 14 services | $3,500 | $6,507 | $12,435 |
| Wellcare Fidelis Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H5599-004 · Medicare.govIts page is set for Kings County, NY | $0 plan + Part B $209.50 | $9,850 in network | 3 of 5 | 20 services | $2,980 | $6,566 | $12,116 |
| Community Blue Medicare HMO Distinct (HMO)HMO from Highmark Blue Cross Blue Shield or Highmark Blue Shield · Plan ID H3384-070 · Medicare.gov | $68 plan + Part B $209.50 | $6,750 in network | 4 of 5 | 14 services | $3,410 | $6,680 | $12,125 |
| Community Blue Medicare HMO 651 (HMO)HMO from Highmark Blue Cross Blue Shield or Highmark Blue Shield · Plan ID H3384-073 · Medicare.gov | $118 plan + Part B $209.50 | $6,700 in network | 4 of 5 | 14 services | $4,005 | $6,716 | $10,640 |
| Aetna Medicare Elite (PPO)PPO from Aetna Medicare · Plan ID H5521-738 · Medicare.gov | $35 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $3,649 | $6,758 | $11,262 |
| Independent Health's Encompass 65 RED 044 (HMO)HMO from Independent Health · Plan ID H3362-044 · Medicare.gov | $110 plan + Part B $209.50 | $8,000 in network | 4.5 of 5 | 14 services | $4,066 | $6,764 | $12,297 |
| Wellcare Simple Open (PPO)PPO from Wellcare · Plan ID H2775-106 · Medicare.govIts page is set for Kings County, NY | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 3 of 5 | 20 services | $2,863 | $6,799 | $12,827 |
| AARP Medicare Advantage from UHC NY-0019 (PPO)PPO from UnitedHealthcare · Plan ID H3418-008 · Medicare.gov | $39 plan + Part B $209.50 | $8,900 in network; $14,800 in and out of network | 3 of 5 | 24 services | $3,697 | $7,159 | $13,057 |
| HumanaChoice H5970-029 (PPO)PPO from Humana · Plan ID H5970-029 · Medicare.gov | $65 plan + Part B $209.50 | $9,250 in network; $14,800 in and out of network | 3 of 5 | 24 services | $3,374 | $7,337 | $14,389 |
| MVP Medicare Preferred Gold with Part D (HMO-POS)HMO-POS from MVP HEALTH CARE · Plan ID H3305-015 · Medicare.gov | $277 plan + Part B $209.50 | $6,800 in network | 3.5 of 5 | 24 services | $5,913 | $8,345 | $13,763 |
| MVP Medicare WellValue with Part D (HMO-POS)HMO-POS from MVP HEALTH CARE · Plan ID H3305-039 · Medicare.gov | $217 plan + Part B $209.50 | $9,850 in network | 3.5 of 5 | 24 services | $5,218 | $8,397 | $14,458 |
| Independent Health's Encompass 65 RED 045 (HMO)HMO from Independent Health · Plan ID H3362-045 · Medicare.gov | $286 plan + Part B $209.50 | $7,000 in network | 4.5 of 5 | 14 services | $6,147 | $8,421 | $13,227 |
| Aetna Medicare Eagle Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-323 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $1,642 | $9,431 | $28,275 |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H3379-060 · No drug coverage · Medicare.govIts page is set for Kings County, NY | $0 plan + Part B $209.50 (the plan pays back $125 of Part B) | $7,150 in network | 3.5 of 5 | 24 services | $1,302 | $9,741 | $29,740 |
| Independent Health's Encompass 65 (HMO)HMO from Independent Health · Plan ID H3362-016 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $60 of Part B) | $6,750 in network | 4.5 of 5 | 14 services | $2,162 | $10,041 | $28,505 |
| Freedom Valor (PPO)PPO from Highmark Blue Cross Blue Shield or Highmark Blue Shield · Plan ID H5526-023 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $50 of Part B) | $6,700 in network; $10,750 in and out of network | 4.5 of 5 | 14 services | $2,277 | $10,101 | $28,790 |
| Wellcare Fidelis Patriot Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H5599-010 · No drug coverage · Medicare.govIts page is set for Kings County, NY | $0 plan + Part B $209.50 | $9,850 in network | 3 of 5 | 20 services | $2,847 | $10,286 | $29,325 |
| MVP Medicare Preferred Gold without Part D (HMO-POS)HMO-POS from MVP HEALTH CARE · Plan ID H3305-007 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 | $7,200 in network | 3.5 of 5 | 24 services | $2,872 | $10,441 | $29,045 |
| Univera Medicare Freedom (HMO-POS)HMO-POS from Excellus Health Plan, Inc · Plan ID H3351-001 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $25 of Part B) | $6,500 in network | 4 of 5 | 13 services | $2,617 | $10,471 | $28,560 |
| Senior Blue 601 (HMO)HMO from Highmark Blue Cross Blue Shield or Highmark Blue Shield · Plan ID H3384-022 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $7 of Part B) | $6,700 in network | 4 of 5 | 14 services | $2,813 | $10,557 | $29,001 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5970-016 · No drug coverage · Medicare.govIts page is set for Kings County, NY | $0 plan + Part B $209.50 (the plan pays back $110 of Part B) | $4,950 in network; $8,950 in and out of network | 3 of 5 | 24 services | $1,572 | $10,616 | $27,720 |
| Community Blue Medicare HMO Standard (HMO)HMO from Highmark Blue Cross Blue Shield or Highmark Blue Shield · Plan ID H3384-072 · Medicare.gov | $368 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 14 services | $7,045 | $11,006 | $16,480 |
Original Medicare totals use the lowest Plan G price that New York Department of Financial Services, community rated Medicare Supplement premiums (in effect as of October 1, 2026) lists for a 65-year-old woman who does not use tobacco, $265 a month. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices come from New York Department of Financial Services, community rated Medicare Supplement premiums (in effect as of October 1, 2026), pulled 2026-10-13. They are for the price area that includes ZIP 14052. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices: New York Department of Financial Services, community rated Medicare Supplement premiums (in effect as of October 1, 2026)
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.