Medicare plans by county · CY2026
59 Medicare Plans in Rensselaer, New York
Contract year 2026 · CMS Medicare Landscape Files
59 Medicare plans are available in Rensselaer for 2026
Base monthly premiums range from $0.00 to $220.00. 22 plans have a $0.00 base premium.
Average CMS star rating: 3.6 stars (53 of 59 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 (26 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Wellcare Simple Open (PPO) H2775_106 | PPO | Wellcare Centene Corporation | $0.00 | 3 ★ |
| Wellcare Giveback Open (PPO) H2775_111 | PPO | Wellcare Centene Corporation | $0.00 | 3 ★ |
| Wellcare Assist Open (PPO) H2775_113 | PPO | Wellcare Centene Corporation | $58.80 | 3 ★ |
| Wellcare Premium Ultra (PFFS) H2816_013 | PFFS | Wellcare Centene Corporation | $127.00 | 3.5 ★ |
| Wellcare Premium Enhanced (PFFS) H2816_019 | PFFS | Wellcare Centene Corporation | $50.00 | 3.5 ★ |
| MVP Medicare Secure Plus with Part D (HMO-POS) H3305_022 | HMO-POS | MVP HEALTH CARE MVP Health Care, Inc. | $116.00 | 4 ★ |
| Aetna Medicare Signature (HMO) H3312_062 | HMO | Aetna Medicare CVS Health Corporation | $0.00 | 3 ★ |
| EmblemHealth VIP Value (HMO-POS) H3330_048 | HMO-POS | EmblemHealth EmblemHealth, Inc. | $0.00 | 4 ★ |
| AARP Medicare Advantage from UHC NY-29 (HMO-POS) H3379_052 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| Senior Blue 652 (HMO) H3384_013 | HMO | Highmark Blue Cross Blue Shield or Highmark Blue Shield Highmark Health | $104.00 | 4 ★ |
| CDPHP Choice Rx (HMO) H3388_002 | HMO | CDPHP Medicare Advantage Lifetime Healthcare, Inc. | $135.00 | 4.5 ★ |
| CDPHP $0 Medicare Rx (HMO) H3388_014 | HMO | CDPHP Medicare Advantage Lifetime Healthcare, Inc. | $0.00 | 4.5 ★ |
| CDPHP Clear Rx (HMO) H3388_020 | HMO | CDPHP Medicare Advantage Lifetime Healthcare, Inc. | $100.00 | 4.5 ★ |
| AARP Medicare Advantage from UHC NY-0015 (PPO) H3418_004 | PPO | UnitedHealthcare UnitedHealth Group, Inc. | $48.00 | 3.5 ★ |
| Wellcare Simple (HMO-POS) H4868_019 | HMO-POS | Wellcare Centene Corporation | $0.00 | 3 ★ |
| Aetna Medicare Elite (PPO) H5521_119 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Aetna Medicare Enhanced (PPO) H5521_669 | PPO | Aetna Medicare CVS Health Corporation | $109.00 | 4.5 ★ |
| Forever Blue 770 (PPO) H5526_018 | PPO | Highmark Blue Cross Blue Shield or Highmark Blue Shield Highmark Health | $220.00 | 4.5 ★ |
| VNS Health EasyCare (HMO) H5549_012 | HMO | VNS Health Medicare Visiting Nurse Service of New York | $25.00 | 3.5 ★ |
| Wellcare Fidelis Assist (HMO-POS) H5599_002 | HMO-POS | Wellcare Centene Corporation | $32.50 | 3 ★ |
| Wellcare Fidelis Simple (HMO-POS) H5599_004 | HMO-POS | Wellcare Centene Corporation | $0.00 | 3 ★ |
| HumanaChoice H5970-029 (PPO) H5970_029 | PPO | Humana Humana Inc. | $32.00 | 3 ★ |
| HumanaChoice Giveback H5970-030 (PPO) H5970_030 | PPO | Humana Humana Inc. | $0.00 | 3 ★ |
| MVP Medicare Complete Wellness with Part D (PPO) H9615_024 | PPO | MVP HEALTH CARE MVP Health Care, Inc. | $15.00 | 3.5 ★ |
| Trinity Health Plan New York No Premium (HMO) H9827_001 | HMO | Trinity Health Plan New York Trinity Health Corporation | $0.00 | — |
| Trinity Health Plan New York Cash Back (HMO) H9827_004 | HMO | Trinity Health Plan New York Trinity Health Corporation | $0.00 | — |
SNP (24 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Hamaspik Medicare Select (HMO D-SNP) H0034_001 | HMO D-SNP | Hamaspik, Inc. Hamaspik of Rockland County, Inc. | $34.50 | 3 ★ |
| UHC Dual Complete NY-S001 (PPO D-SNP) H2001_063 | PPO D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $52.80 | 4.5 ★ |
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) H2292_001 | PPO I-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $58.80 | 4.5 ★ |
| Wellcare Dual Access Open (PPO D-SNP) H2775_112 | PPO D-SNP | Wellcare Centene Corporation | $58.80 | 3 ★ |
| MVP DualAccess (HMO D-SNP) H3305_033 | HMO D-SNP | MVP HEALTH CARE MVP Health Care, Inc. | $54.60 | 4 ★ |
| MVP DualAccess Complete (HMO D-SNP) H3305_034 | HMO D-SNP | MVP HEALTH CARE MVP Health Care, Inc. | $58.80 | 4 ★ |
| Aetna Medicare Full Dual (HMO D-SNP) H3312_070 | HMO D-SNP | Aetna Medicare CVS Health Corporation | $23.10 | 3 ★ |
| Aetna Medicare Partial Dual (HMO D-SNP) H3312_089 | HMO D-SNP | Aetna Medicare CVS Health Corporation | $5.90 | 3 ★ |
| UHC Complete Care NY-33 (HMO-POS C-SNP) H3379_056 | HMO-POS C-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| UHC Dual Complete NY-Y001 (HMO-POS D-SNP) H3387_013 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $58.80 | 4 ★ |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) H3387_014 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $58.80 | 4 ★ |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) H3387_015 | HMO-POS D-SNP | UnitedHealthcare UnitedHealth Group, Inc. | $31.00 | 4 ★ |
| Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) H3533_002 | HMO D-SNP | Humana Humana Inc. | $0.00 | 3 ★ |
| Wellcare Dual Access (HMO D-SNP) H4868_004 | HMO D-SNP | Wellcare Centene Corporation | $58.80 | 3 ★ |
| Aetna Medicare Longevity (PPO I-SNP) H5521_461 | PPO I-SNP | Aetna Medicare CVS Health Corporation | $58.80 | 4.5 ★ |
| VNS Health Total (HMO D-SNP) H5549_003 | HMO D-SNP | VNS Health Medicare Visiting Nurse Service of New York | $58.80 | 3.5 ★ |
| VNS Health EasyCare Plus (HMO D-SNP) H5549_011 | HMO D-SNP | VNS Health Medicare Visiting Nurse Service of New York | $51.60 | 3.5 ★ |
| Wellcare Fidelis Dual Align (HMO D-SNP) H5599_003 | HMO D-SNP | Wellcare Centene Corporation | $58.80 | 3 ★ |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) H5599_013 | HMO D-SNP | Wellcare Centene Corporation | $58.80 | 3 ★ |
| HumanaChoice SNP-DE H5970-020 (PPO D-SNP) H5970_020 | PPO D-SNP | Humana Humana Inc. | $0.90 | 3 ★ |
| EmblemHealth VIP Dual (HMO D-SNP) H5991_012 | HMO D-SNP | EmblemHealth EmblemHealth, Inc. | $58.80 | 3 ★ |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) H9066_001 | HMO D-SNP | Nascentia Health Plus VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | $58.80 | — |
| Nascentia Skilled Nursing Facility (HMO I-SNP) H9066_002 | HMO I-SNP | Nascentia Health Plus VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | $58.80 | — |
| Nascentia Dual Advantage (HMO D-SNP) H9066_003 | HMO D-SNP | Nascentia Health Plus VISITING NURSE ASSOCIATION OF CENTRAL NEW YORK | $58.80 | — |
MA (9 plans)
| Plan | Type | Organization | Base Premium/mo | Overall Stars |
|---|---|---|---|---|
| Wellcare Advantage Enhanced (PFFS) H2816_037 | PFFS | Wellcare Centene Corporation | $0.00 | 3.5 ★ |
| Wellcare Advantage Simple (PFFS) H2816_038 | PFFS | Wellcare Centene Corporation | $0.00 | 3.5 ★ |
| MVP Medicare Preferred Gold without Part D (HMO-POS) H3305_020 | HMO-POS | MVP HEALTH CARE MVP Health Care, Inc. | $0.00 | 4 ★ |
| AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) H3379_060 | HMO-POS | UnitedHealthcare UnitedHealth Group, Inc. | $0.00 | 3.5 ★ |
| CDPHP Core (HMO) H3388_001 | HMO | CDPHP Medicare Advantage Lifetime Healthcare, Inc. | $15.00 | 4.5 ★ |
| Aetna Medicare Eagle Giveback (PPO) H5521_323 | PPO | Aetna Medicare CVS Health Corporation | $0.00 | 4.5 ★ |
| Wellcare Fidelis Patriot Simple (HMO-POS) H5599_010 | HMO-POS | Wellcare Centene Corporation | $0.00 | 3 ★ |
| Humana USAA Honor Giveback (PPO) H5970_016 | PPO | Humana Humana Inc. | $0.00 | 3 ★ |
| Trinity Health Plan New York Glory No RX (HMO) H9827_003 | HMO | Trinity Health Plan New York Trinity Health Corporation | $0.00 | — |
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 Rensselaer 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 Rensselaer, New York?
For contract year 2026, the CMS Medicare Landscape Files record 59 Medicare Advantage and Part D plans available in Rensselaer, New York. This count covers all contract types: SNP (24), MA-PD (26), MA (9).
What do Medicare plans cost in Rensselaer, New York?
Base monthly premiums for plans in Rensselaer range from $0.00 to $220.00 — 22 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 Rensselaer, New York rated?
CMS has assigned Overall star ratings (1–5 stars) to 53 of 59 plans in Rensselaer. The unweighted average overall star rating is 3.6 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. 6 plans in this county do not have an overall CMS rating (typically PDP-only or newly contracted plans).
How do I enroll in a Medicare plan in Rensselaer, New York?
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 Rensselaer, New York, CY2026. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Source: CMS Medicare Landscape Files