Medicare plans by county · CY2026
19 Medicare Plans in Cecil, Maryland
Contract year 2026 · CMS Medicare Landscape Files
19 Medicare plans are available in Cecil for 2026
Base monthly premiums range from $0.00 to $122.00. 9 plans have a $0.00 base premium.
Average CMS star rating: 3.5 stars (19 of 19 plans rated).
Premiums shown are the plan's base premium — your actual cost includes the Part B premium and may vary by income. To compare plans with your specific drugs and providers and to enroll, use the official Medicare Plan Finder: medicare.gov/plan-compare . Free help: 1-800-MEDICARE or your state's SHIP.
MA-PD (8 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| HumanaChoice H5216-376 (PPO) H5216_376 | PPO | Humana Humana Inc. | $9.40 | 3.5 ★ |
| HumanaChoice H5216-387 (PPO) H5216_387 | PPO | Humana Humana Inc. | $54.00 | 3.5 ★ |
| CareFirst BlueCross BlueShield Advantage Essential (PPO) H7379_001 | PPO | CareFirst BlueCross BlueShield Medicare Advantage CareFirst, Inc. | $0.00 | 3.5 ★ |
| CareFirst BlueCross BlueShield Advantage Complete (PPO) H7379_002 | PPO | CareFirst BlueCross BlueShield Medicare Advantage CareFirst, Inc. | $42.00 | 3.5 ★ |
| HumanaChoice H7617-044 (PPO) H7617_044 | PPO | Humana Humana Inc. | $9.30 | 4.5 ★ |
| Alterwood Advantage Choice Plus (HMO) H9306_002 | HMO | Alterwood Advantage LifeBridge Health, Inc. | $122.00 | 3.5 ★ |
| Alterwood Advantage Choice (HMO) H9306_008 | HMO | Alterwood Advantage LifeBridge Health, Inc. | $30.00 | 3.5 ★ |
| Alterwood Advantage Select (HMO) H9306_009 | HMO | Alterwood Advantage LifeBridge Health, Inc. | $0.00 | 3.5 ★ |
SNP (7 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| HumanaChoice SNP-DE H5216-377 (PPO D-SNP) H5216_377 | PPO D-SNP | Humana Humana Inc. | $28.40 | 3.5 ★ |
| HumanaChoice SNP-DE H5216-459 (PPO D-SNP) H5216_459 | PPO D-SNP | Humana Humana Inc. | $0.00 | 3.5 ★ |
| UHC Dual Complete MD-S002 (HMO D-SNP) H7464_008 | HMO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $3.60 | 3.5 ★ |
| UHC Dual Complete MD-Q001 (HMO-POS D-SNP) H7464_012 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| CareFirst BlueCross BlueShield Advantage DualPrime (HMO D-SNP) H8854_002 | HMO D-SNP | CareFirst BlueCross BlueShield Medicare Advantage Dual Prime CareFirst, Inc. | $0.00 | 3 ★ |
| Alterwood Advantage Dual Secure (HMO D-SNP) H9306_004 | HMO D-SNP | Alterwood Advantage LifeBridge Health, Inc. | $28.10 | 3.5 ★ |
| Alterwood Advantage Dual Value (HMO D-SNP) H9306_007 | HMO D-SNP | Alterwood Advantage LifeBridge Health, Inc. | $31.20 | 3.5 ★ |
MA (4 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) H5216_379 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| Humana USAA Honor Giveback (PPO) H5216_386 | PPO | Humana Humana Inc. | $0.00 | 3.5 ★ |
| CareFirst BlueCross BlueShield Advantage Salute (PPO) H7379_003 | PPO | CareFirst BlueCross BlueShield Medicare Advantage CareFirst, Inc. | $0.00 | 3.5 ★ |
| Alterwood Advantage Freedom (HMO) H9306_003 | HMO | Alterwood Advantage LifeBridge Health, Inc. | $0.00 | 3.5 ★ |
What these figures mean
Base premium: The amount shown is the plan's monthly base premium. Most Medicare enrollees also pay the standard Medicare Part B premium (generally deducted from your Social Security benefit). Higher-income enrollees pay an additional Income-Related Monthly Adjustment Amount (IRMAA). Low-income enrollees may qualify for the Extra Help (LIS) program, which can reduce or eliminate plan premiums and cost-sharing. A $0.00 plan premium does not mean $0 total monthly cost.
CMS star rating: CMS rates Medicare Advantage and Part D plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and drug plan performance. A higher rating is generally better, but the best plan for you also depends on your specific prescriptions, preferred doctors and hospitals, and total cost-sharing. Star ratings reflect the contract's performance across its full service area — not Cecil specifically.
MOOP (Maximum Out-of-Pocket): For MA plans, the Maximum Out-of-Pocket limit caps your annual in-network cost-sharing. Not shown in the table above; visible at medicare.gov/plan-compare for each specific plan.
How to compare these plans
Compare plans on the figures shown — base premium, plan type, organization, and CMS star rating. These are sourced from the CMS CY2026 Medicare Landscape Files (RECORDED figures). Atlas Commons does not rank a "best" plan — the right choice depends on your specific doctors, prescriptions, and budget. Use medicare.gov/plan-compare to enter your specific drugs and providers for a complete comparison.
Frequently asked questions
How many Medicare plans are available in Cecil, Maryland?
For contract year 2026, the CMS Medicare Landscape Files record 19 Medicare Advantage and Part D plans available in Cecil, Maryland. This count covers all contract types: MA-PD (8), SNP (7), MA (4).
What do Medicare plans cost in Cecil, Maryland?
Base monthly premiums for plans in Cecil range from $0.00 to $122.00 — 9 plans have a $0.00 base premium. These are the plan's base premium only. Your actual monthly cost also includes the Medicare Part B premium (most people pay $174.70/mo in 2026, deducted from Social Security), and may include income-related adjustments (IRMAA) or Low Income Subsidy credits. A $0.00 plan premium does not mean $0 total cost.
How are Medicare plans in Cecil, Maryland rated?
CMS has assigned Overall star ratings (1–5 stars) to 19 of 19 plans in Cecil. The unweighted average overall star rating is 3.5 stars. Star ratings are CMS's quality score — a higher rating generally reflects better performance across quality measures, but the best plan for you depends on your specific prescriptions, preferred providers, and budget.
How do I enroll in a Medicare plan in Cecil, Maryland?
Use the official Medicare Plan Finder at medicare.gov/plan-compare. Enter your ZIP code to see plans with exact premiums, copays, drug coverage, and provider networks — customized to your situation and drugs. Enrollment periods apply (Annual Enrollment: Oct 15–Dec 7; Special Enrollment Periods for qualifying events). This page shows which plans exist and their base premiums; to enroll, use Medicare's official tool.
Where can I get free, unbiased help choosing a Medicare plan?
Contact your State Health Insurance Assistance Program (SHIP) — a free, unbiased Medicare counseling service available in every state. Call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week. SHIP counselors help you compare plans, understand costs, and make enrollment decisions at no cost.
What to do next
- Compare and enroll: medicare.gov/plan-compare — the official Medicare Plan Finder. Enter your ZIP code, drugs, and providers to compare all plans with exact costs and coverage.
- Free unbiased help: Contact your State Health Insurance Assistance Program (SHIP) — free Medicare counseling in every state — or call 1-800-MEDICARE (1-800-633-4227), 24/7.
- Official source: CMS Medicare Landscape Files — the source of this data.
RECORDED premiums · DETERMINATION star ratings · AGGREGATED plan count. Plan list for Cecil, Maryland, CY2026. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Source: CMS Medicare Landscape Files