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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| #1 | Elderplan (Flex HMO) |
$530 | Elderplan (Flex HMO) |
$3,398 | HealthSpring (True Choice PPO) |
$6,438 |
| #2 | HealthFirst (65 Plus HMO) |
$881 | VNSNY Choice (EasyCare HMO-$25) |
$3,463 | United HealthCare (AARP Medicare Advantage HMO) |
$6,754 |
| #3 | Aetna (Medicare Signature HMO) |
$954 | Humana (Gold Plus HMO-33) |
$3,526 | Humana (Gold Plus HMO-33) |
$6,841 |
| #4 | WellCare (Simple HMO) |
$1,090 | HealthSpring (True Choice PPO) |
$3,561 | EmblemHealth (VIP Gold HMO-$49) |
$7,583 |
| #5 | Humana (Gold Plus HMO-33) |
$1,097 | Aetna (Medicare Signature HMO) |
$3,963 | Elderplan (Flex HMO) |
$8,236 |
| #6 | MVP Healthcare (WellSelect PPO-$28) |
$1,126 | EmblemHealth (VIP Gold HMO-$49) |
$3,979 | VNSNY Choice (EasyCare HMO-$25) |
$8,731 |
| #7 | VNSNY Choice (EasyCare HMO-$25) |
$1,279 | United HealthCare (AARP Medicare Advantage HMO) |
$3,984 | Aetna (Medicare Signature HMO) |
$8,955 |
| #8 | HealthSpring (True Choice PPO) |
$1,310 | HealthFirst (65 Plus HMO) |
$4,135 | Empire Blue Cross (Medicare Advantage HMO-$44) |
$9,447 |
| #9 | Empire Blue Cross (Medicare Advantage HMO-$44) |
$1,653 | MVP Healthcare (WellSelect PPO-$28) |
$4,189 | MVP Healthcare (WellSelect PPO-$28) |
$9,505 |
| #10 | EmblemHealth (VIP Gold HMO-$49) |
$1,776 | WellCare (Simple HMO) |
$4,366 | VillageCareMax (Select Advantage HMO-$59) |
$9,512 |
| #11 | United HealthCare (AARP Medicare Advantage HMO) |
$2,109 | Empire Blue Cross (Medicare Advantage HMO-$44) |
$4,590 | HealthFirst (65 Plus HMO) |
$9,862 |
| #12 | VillageCareMax (Select Advantage HMO-$59) |
$2,325 | VillageCareMax (Select Advantage HMO-$59) |
$4,757 | WellCare (Simple HMO) |
$10,060 |
| Average: All Plans | $1,344 | Average: All Plans | $3,993 | Average: All Plans | $8,493 |
*Annual estimated costs (out-of-pocket expenses) include applicable 2026 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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