Best* Medicare Advantage Plans in Rochester (Monroe County) for 2027
UnitedHealthcare, Aetna (CVS Health) and Excellus Health Plan, Inc have 2027 plans in Monroe County rated 4 stars or higher by Medicare in the 2027 CMS Star Ratings.
Compare Medicare Advantage options near you
Answer 3 quick questions to see Medicare Advantage listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare Advantage options you can choose.
These listings are provided by licensed insurance partners.
Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan one of them? Call now — one free call tells you.
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan one of them? Call now — one free call tells you.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Want to see more plan options?
Answer a few more questions to continue to additional options from licensed partners.
Continue →Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Found a plan you like online?
One free call confirms it's actually right for you — online directories are wrong more often than you'd think.
- Your doctors — confirmed in-network for 2027
- Your prescriptions — checked against the plan's 2027 drug tiers
855-729-3240 · free · about 5 minutes
2027 CMS Star Ratings
Best* Medicare Advantage plans in Monroe County (2027 CMS Star Ratings)
In the 2027 CMS Star Ratings, 5 Medicare Advantage plans in Monroe County share the highest rating among plans open to everyone with Medicare, 4 out of 5 stars: Aetna Medicare Elite (PPO) (Aetna (CVS Health)); Medicare Blue Choice Core (HMO) (Excellus Health Plan, Inc); Medicare Blue Choice Optimum (HMO-POS) (Excellus Health Plan, Inc); Medicare Blue Choice Prime (HMO-POS) (Excellus Health Plan, Inc); VNS Health EasyCare (HMO) (VNS Health Medicare). Special needs plans, which only people who qualify can join, are listed separately: 8 are rated 4 stars or higher.
Of the 33 Medicare Advantage plans offered in Monroe County for 2027, 1 is rated 5 stars, 2 are rated 4.5 stars and 12 are rated 4 stars in the 2027 CMS Star Ratings. 3 plans have no 2027 star score: CMS lists 3 “Not enough data available”.
Monroe County includes Rochester. Plans are approved for the whole county, so the same plans are offered in all of it.
*Best: the highest overall rating in the 2027 CMS Star Ratings among Medicare Advantage plans open to everyone with Medicare Parts A and B in Monroe County (4 out of 5). Medicare's rating, not our recommendation.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Highest rated: 4 out of 5, the top overall rating among plans open to everyone | |||
| Aetna Medicare Elite (PPO) | Aetna (CVS Health) | PPO | 4 out of 5 |
| Medicare Blue Choice Core (HMO) | Excellus Health Plan, Inc | HMO | 4 out of 5 |
| Medicare Blue Choice Optimum (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 |
| Medicare Blue Choice Prime (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 |
| VNS Health EasyCare (HMO) | VNS Health Medicare | HMO | 4 out of 5 |
| Special needs plans rated 4 stars or higher (only for people who qualify) | |||
| UHC Nursing Home Plan NY-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP | 5 out of 5 |
| UHC Dual Complete NY-S001 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | 4.5 out of 5 |
| Aetna Medicare Longevity (PPO I-SNP) | Aetna (CVS Health) | PPO I-SNP | 4 out of 5 |
| UHC Dual Complete NY-Q001 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| UHC Dual Complete NY-S002 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| UHC Dual Complete NY-YL (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 4 out of 5 |
| VNS Health EasyCare Plus (HMO D-SNP) | VNS Health Medicare | HMO D-SNP | 4 out of 5 |
| VNS Health Total (HMO D-SNP) | VNS Health Medicare | HMO D-SNP | 4 out of 5 |
| Other plans offered | |||
| Aetna Medicare Eagle Giveback (PPO) | Aetna (CVS Health) | PPO | 4.5 out of 5 (health plan rating) |
| Medicare Blue Choice Freedom (HMO-POS) | Excellus Health Plan, Inc | HMO-POS | 4 out of 5 (health plan rating) |
| Elderplan Advantage For Nursing Home Residents (HMO-POS I-SNP) | Elderplan | HMO-POS I-SNP | 3.5 out of 5 |
| Elderplan Select (HMO-POS I-SNP) | Elderplan | HMO-POS I-SNP | 3.5 out of 5 |
| MVP DualAccess (HMO D-SNP) | MVP HEALTH CARE | HMO D-SNP | 3.5 out of 5 |
| MVP DualAccess Complete (HMO D-SNP) | MVP HEALTH CARE | HMO D-SNP | 3.5 out of 5 |
| MVP Medicare Preferred Gold with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | 3.5 out of 5 |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | 3.5 out of 5 (health plan rating) |
| MVP Medicare WellValue with Part D (HMO-POS) | MVP HEALTH CARE | HMO-POS | 3.5 out of 5 |
| Medicare Blue Dual (HMO D-SNP) | Excellus Health Plan Community Care LLC | HMO D-SNP | 3 out of 5 |
| Medicare Blue Dual Secure (HMO D-SNP) | Excellus Health Plan Community Care LLC | HMO D-SNP | 3 out of 5 |
| Wellcare Fidelis Assist (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| Wellcare Fidelis Dual Access (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3 out of 5 |
| Wellcare Fidelis Dual Align Unity (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3 out of 5 |
| Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3 out of 5 |
| Wellcare Fidelis Patriot Simple (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 (health plan rating) |
| Wellcare Fidelis Simple (HMO-POS) | Centene (WellCare) | HMO-POS | 3 out of 5 |
| Nascentia Dual Advantage (HMO D-SNP) | Nascentia Health Plus | HMO D-SNP | Not enough data availableCMS low-performing icon |
| Nascentia Medicaid Advantage Plus (HMO D-SNP) | Nascentia Health Plus | HMO D-SNP | Not enough data availableCMS low-performing icon |
| Nascentia Skilled Nursing Facility (HMO I-SNP) | Nascentia Health Plus | HMO I-SNP | Not enough data availableCMS low-performing icon |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
CMS low-performing icon: the plan's contract received a summary rating of 2.5 stars or below in Part C or Part D, or both, for the last three years.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
How the top plans are chosen
The plans listed first have the highest overall rating in the 2027 CMS Star Ratings among the Medicare Advantage plans in Monroe County open to everyone with Medicare: 4 out of 5 stars. Plans that share it are listed by name, not ranked, and the other plans rated 4 stars or higher follow. Special needs plans, which only people who qualify can join, are listed separately, and a plan without drug coverage has no overall rating, so it isn't counted. We only do this where the top rating is at least 4 stars.
Star Ratings are Medicare's measure of a plan's quality and members' experience, not our recommendation. A rating doesn't tell you whether a plan covers your doctors and prescriptions or what it costs, so compare plans for your ZIP code with the plan finder on this page.
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In Monroe County, 1 Medicare Advantage plan has a 5-star overall rating for 2027, so the 5-star Special Enrollment Period can apply here.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
More on Medicare Advantage in Rochester
Good to know