County guide · Franklin County, NY · 2027 plan year
Original Medicare vs Medicare Advantage in Franklin County, NY
This guide lists 14 Medicare Advantage plans for 2027 in Franklin 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
- 14
- $0 premium
- 11 plans
- Lowest in-network limit
- $6,500
- 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 $305 + a drug plan from $37.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $6,916 | $9,091 | $9,316 |
| Aetna Medicare Signature (HMO)HMO from Aetna Medicare · Plan ID H3312-048 · Medicare.govIts page is set for Onondaga County, NY | $0 plan + Part B $209.50 | $9,850 in network | 3 of 5 | 19 services | $2,564 | $5,567 | $11,574 |
| 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 Signature (PPO)PPO from Aetna Medicare · Plan ID H5521-077 · Medicare.govIts page is set for Onondaga County, NY | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $3,029 | $5,949 | $11,924 |
| Aetna Medicare Premier (PPO)PPO from Aetna Medicare · Plan ID H5521-340 · Medicare.govIts page is set for Onondaga County, NY | $60 plan + Part B $209.50 | $9,250 in network; $14,800 in and out of network | 4 of 5 | 19 services | $3,274 | $6,082 | $11,307 |
| 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 |
| 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 |
| 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 |
| 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 |
| Aetna Medicare Elite (PPO)PPO from Aetna Medicare · Plan ID H5521-740 · Medicare.govIts page is set for Onondaga County, NY | $54 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $3,877 | $7,528 | $12,205 |
| Medicare Blue Choice 032 (HMO-POS)HMO-POS from Excellus Health Plan, Inc · Plan ID H3351-032 · Medicare.govIts page is set for Clinton County, NY | $155.30 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 13 services | $4,604 | $7,915 | $12,773 |
| Aetna Medicare Eagle Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-323 · No drug coverage · Medicare.govIts page is set for Erie County, NY | $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 |
| 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 H3305-020 · No drug coverage · Medicare.govIts page is set for Westchester County, NY | $0 plan + Part B $209.50 | $7,200 in network | 3.5 of 5 | 24 services | $2,882 | $10,671 | $29,505 |
| Medicare Blue Choice 033 (HMO-POS)HMO-POS from Excellus Health Plan, Inc · Plan ID H3351-033 · No drug coverage · Medicare.govIts page is set for Clinton County, NY | $0 plan + Part B $209.50 | $6,500 in network | 4 of 5 | 13 services | $2,917 | $10,836 | $29,425 |
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, $305 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 12986. 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.