New York Metro - Westchester County Comparisons

Annual estimated out-of-pocket costs for Medicare Advantage Plan members*
All Plans below include Medicare Part D - Drug Benefits    Indicates $0 Premium Plans
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The Medicare Advantage plan highlighted below represents "Excellence in 2025 Medicare Advantage Benefits Value"
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#1 Healthfirst
(Signature HMO)  		 $243 Cigna Healthcare
(True Choice PPO) 		 $2,805 United HealthCare
(AARP Medicare Advantage HMO-$25)		 $6,426
#2 Elderplan
(Flex HMO) 		 $411 Healthfirst
(Signature HMO)  		 $2,838 Cigna Healthcare
(True Choice PPO) 		 $6,679
#3 Cigna Healthcare
(True Choice PPO) 		 $585 Humana
(Choice PPO)  		 $3,439 Healthfirst
(Signature HMO)  		 $7,724
#4 MVP Health Care
(WellSelect PPO)  		 $887 United HealthCare
(AARP Medicare Advantage HMO-$25)		 $3,558 Humana
(Choice PPO)  		 $7,930
#5 Aetna
(Medicare Value Select HMO) 		 $1,148 VNS Health
(EasyCare HMO-$25)		 $3,960 Empire Blue Cross
(MediBlue HealthPlus HMO-$41)		 $9,307
#6 WellCare
(Simple HMO)  		 $1,241 Aetna
(Medicare Value Select HMO) 		 $4,068 Aetna
(Medicare Value Select HMO) 		 $9,348
#7 Humana
(Choice PPO)  		 $1,343 Empire Blue Cross
(MediBlue HealthPlus HMO-$41)		 $4,673 Elderplan
(Flex HMO) 		 $9,921
#8 United HealthCare
(AARP Medicare Advantage HMO-$25)		 $1,355 Elderplan
(Flex HMO) 		 $4,722 VNS Health
(EasyCare HMO-$25)		 $9,971
#9 VNS Health
(EasyCare HMO-$25)		 $1,736 VillageCareMax
(Select Advantage HMO-$72)		 $5,341 VillageCareMax
(Select Advantage HMO-$72)		 $10,595
#10 Empire Blue Cross
(MediBlue HealthPlus HMO-$41)		 $1,891 MVP Health Care
(WellSelect PPO)  		 $5,544 WellCare
(Simple HMO)  		 $10,676
#11 VillageCareMax
(Select Advantage HMO-$72)		 $3,029 WellCare
(Simple HMO)  		 $5,690 MVP Health Care
(WellSelect PPO)  		 $10,892
#12 EmblemHealth
(VIP Gold HMO-$201)		 $5,509 EmblemHealth
(VIP Gold HMO-$201)		 $7,507 EmblemHealth
(VIP Gold HMO-$201)		 $11,174
  Average: All Plans $1,615 Average: All Plans $4,512 Average: All Plans $9,220

*Annual estimated costs (out-of-pocket expenses) include applicable 2025 plan copayments, deductibles, and premiums as posted on Medicare Plan Finder (www.Medicare.gov). Medicare Part B monthly premiums ($185 in 2025 for most beneficiaries) are not included.  Estimated costs may be greater for beneficiaries who are late enrolling for Medicare Part D (prescription drug) coverage or lower for beneficiaries with limited income and resources who may be eligible for low-income subsidies.  Estimates do not include cost-sharing for additional popular benefits provided by some plans, e.g., eyewear, hearing aids, transportation.  

The information contained herein is neither guaranteed nor intended to represent actual enrollee experiences for any Medicare plan. HealthMetrix Research Inc. does not endorse or recommend specific Medicare plans. 

Medicare has neither reviewed nor endorsed this information.  The Senior Choice Gold Award is not given by Medicare.

This is not a complete listing of plans available in your service area.  For a complete listing, please contact 1-800-MEDICARE or consult www.Medicare.gov. 

(TTY users should call 1-877-486-2048, 24 hours a day/7 days a week or consult www.Medicare.gov.) 

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