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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated July 14, 2025

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Medicare Advantage
 » 
New York
 » 
Cattaraugus County

Guide to Medicare Advantage Plans in Cattaraugus County, NY for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 48 Medicare Advantage plans available in Cattaraugus County, NY for the 2025 plan year, including 21 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Cattaraugus County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. BlueSaver (HMO) — 1,104 enrollees
    2. AARP Medicare Advantage from UHC NY-0007 (HMO-POS) — 694 enrollees
    3. Independent Health\'s Encompass 65 Core (HMO) — 643 enrollees
  • Average Monthly Premium: $41.82
  • Average Maximum Out-of-Pocket Limit: $6,989
  • Average Prescription Drug Deductible: $275.26
  • Ratings (Plan Mix): 4+ Stars: 63% · 3 Stars: 29% · Below 3: 8%
  • Plan Type Breakdown 23 PPO · 11 HMO · 10 HMO-POS · 2 PFFS · 2 REGIONAL PPO

Cattaraugus County, New York Medicare Advantage Plans

Medicare Advantage Plans in Cattaraugus County, NY for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
Aetna Medicare Discover Value* PPO $25 $6,900 $450
☆☆☆☆☆
Aetna Medicare Eagle* PPO $0 $8,900 N/A
☆☆☆☆☆
Aetna Medicare Platinum* PPO $139 $4,500 $590
☆☆☆☆☆
Aetna Medicare Premier* PPO $0 $7,900 $450
☆☆☆☆☆
BlueSaver* HMO $0 $6,900 $0
☆☆☆☆☆
Independent Health\'s Encompass 65* HMO $0 $6,750 N/A
☆☆☆☆☆
Independent Health\'s Encompass 65 Basic* HMO $134 $6,750 $250
☆☆☆☆☆
Independent Health\'s Encompass 65 Core* HMO $73 $6,750 $350
☆☆☆☆☆
Independent Health\'s Encompass 65 Direct* HMO $0 $6,750 $450
☆☆☆☆☆
Independent Health\'s Medicare Passport Access* PPO $19 $6,750 $450
☆☆☆☆☆
Independent Health\'s Medicare Passport Connect* PPO $72 $6,750 $575
☆☆☆☆☆
MVP Medicare Preferred Gold without Part D* HMO-POS $0 $7,200 N/A
☆☆☆☆☆
MVP Medicare Secure Plus with Part D* HMO-POS $96 $6,000 $0
☆☆☆☆☆
Senior Blue 601* HMO $0 $6,700 N/A
☆☆☆☆☆
Senior Blue 651* HMO $101 $6,700 $0
☆☆☆☆☆
Senior Blue Basic* HMO $0 $8,300 $0
☆☆☆☆☆
Senior Blue Select* HMO $40 $6,700 $0
☆☆☆☆☆
Forever Blue 751 PPO $197 $6,700 $0
☆☆☆☆☆
Forever Blue Value PPO $131 $6,700 $0
☆☆☆☆☆
Freedom Nation PPO $30 $6,750 $0
☆☆☆☆☆
Freedom Nation Prestige PPO $52 $6,750 $0
☆☆☆☆☆
Freedom Valor PPO $0 $6,700 N/A
☆☆☆☆☆
Univera Medicare Freedom HMO-POS $0 $4,500 N/A
☆☆☆☆☆
Univera SeniorChoice Access PPO $21 $7,900 $350
☆☆☆☆☆
Univera SeniorChoice Advanced HMO-POS $32 $7,500 $100
☆☆☆☆☆
Univera SeniorChoice Basic HMO $0 $8,500 $200
☆☆☆☆☆
Univera SeniorChoice Core PPO $217 $2,000 $480
☆☆☆☆☆
Univera SeniorChoice Extra HMO $0 $8,500 $350
☆☆☆☆☆
Univera SeniorChoice Secure HMO-POS $72 $6,000 $0
☆☆☆☆☆
Univera SeniorChoice Value Plus HMO-POS $57 $6,700 $0
☆☆☆☆☆
AARP Medicare Advantage from UHC NY-0007 HMO-POS $0 $7,900 $340
☆☆☆☆☆
Aetna Medicare Value HMO-POS $0 $5,500 $0
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $4,950 N/A
☆☆☆☆☆
HumanaChoice H5970-029 PPO $28 $9,350 $590
☆☆☆☆☆
MVP Medicare Patriot Plan with Part D PPO $44 $7,900 $350
☆☆☆☆☆
MVP Medicare WellSelect Plus with Part D PPO $119 $7,000 $0
☆☆☆☆☆
MVP Medicare WellSelect with Part D PPO $0 $7,800 $350
☆☆☆☆☆
Wellcare Advantage Premium Enhanced PFFS $32 $6,700 N/A
☆☆☆☆☆
Wellcare Advantage Simple PFFS $0 $6,700 N/A
☆☆☆☆☆
AARP Medicare Advantage from UHC NY-0019 PPO $19 $8,500 $495
☆☆☆☆☆
UHC Medicare Advantage NY-0021 Regional PPO $75 $8,900 $570
☆☆☆☆☆
UHC Medicare Advantage Patriot No Rx NY-MA02 Regional PPO $0 $6,700 N/A
☆☆☆☆☆
Wellcare Fidelis Assist HMO-POS $38 $6,900 $460
☆☆☆☆☆
Wellcare Fidelis Simple HMO-POS $0 $8,300 $420
☆☆☆☆☆
Wellcare Assist Open PPO $28 $8,850 $580
☆☆☆☆☆
Wellcare Giveback Open PPO $0 $8,850 $420
☆☆☆☆☆
Wellcare Premium Ultra Open PPO $114 $3,400 $420
☆☆☆☆☆
Wellcare Simple Open PPO $0 $8,850 $420
☆☆☆☆☆
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.
📊 At a Glance: Medicare Advantage in Cattaraugus County
Average Monthly Premium
$41.82
Plans with $0 Premium
21
Average MOOP Limit
$6,989 ($9,350 max. in 2025)
Average Rx Deductible
$275.26
Plans Without Drug Coverage
4 (standalone New York Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 63% · 3 Stars: 29% · Below 3: 8%
Plans Available
48 (excluding Cattaraugus County SNP plans)
Plan Type Breakdown
23 PPO · 11 HMO · 10 HMO-POS · 2 PFFS · 2 REGIONAL PPO
Countywide Enrollments
8,480 (excluding SNP plans)
Top 3 Plans by Enrollment
1. BlueSaver (HMO) — 1,104 enrollees
2. AARP Medicare Advantage from UHC NY-0007 (HMO-POS) — 694 enrollees
3. Independent Health\'s Encompass 65 Core (HMO) — 643 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, also known as Part C, are offered by private insurance companies and provide comprehensive coverage that includes both Medicare Part A (hospital insurance) and Part B (medical insurance). Many of the 48 plans available in Cattaraugus County also include additional benefits such as prescription drug coverage, dental, vision, and wellness programs, making them an all-in-one alternative to Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Cattaraugus County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers. There are 4,236 residents enrolled in HMO plans in this county. The most popular plan is BlueSaver .

🔓 Preferred Provider Organization (PPO)

A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 2,733 Cattaraugus County residents enrolled in PPO plans. The most popular of these plans by enrollments is Freedom Nation .

🪟 Private Fee-for-Service (PFFS)

Allows members to visit any Medicare-approved doctor or hospital in their area that accepts the plan's payment terms. Medicare PFFS plans offer more flexibility but may result in higher costs. There are 0 Cattaraugus County residents enrolled in PFFS plans. The most popular of these plans by enrollments is {top_enrolled_PFFS}.

🔀 Health Maintenance Organization Point of Sale (HMO-POS)

Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 1,425 residents enrolled in HMO-POS plans in this Cattaraugus County. The most popular plan by enrollments is AARP Medicare Advantage from UHC NY-0007 .

Advantages of Enrolling in Medicare Advantage

Medicare Advantage Plans, also known as Part C, provide several key advantages over Original Medicare. Bundle up your healthcare with plans that cover Medicare Parts A and B, plus some extras like prescription meds, dental care, and vision services - it's a package deal! Medicare Advantage can be a smart choice if you want to maximize your healthcare dollars and enjoy extras like additional services and lower out-of-pocket costs.

Here are some of the top advantages these plans offer Cattaraugus County residents:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Selecting the ideal Medicare Advantage Plan from the 48 plans available in Cattaraugus County involves evaluating several crucial aspects:

🏥1. Provider Network

Ensure your healthcare providers are within the plan's network to maintain continuity of care.

💊 2. Prescription Drug Coverage

Confirm that your current medications are included in the plan's formulary to avoid higher out-of-pocket costs.

💰 3. Costs

Assess the plan’s premium, deductible, and out-of-pocket expenses. The ideal plan aligns with both your financial situation and your healthcare needs.

🎁 4. Additional Benefits

Identify any additional benefits that are important to you, such as fitness programs, routine dental, or over-the-counter medication benefits, and ensure the plan includes them.

⭐ 5. Plan Ratings

If a plan offers the benefits you need at a price you can afford, be sure to check its CMS star ratings. This will help you avoid plans with known problems, like poor customer service.

Discover the key factors to consider when comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Enrolling in a Medicare Advantage Plan is a straightforward process, but timing is crucial to ensure you don't miss out on the benefits. Understanding when you can enroll will help you take full advantage of the options available in Cattaraugus County.

📅 Initial Enrollment Period (IEP)

The IEP is a seven-month window surrounding your 65th birthday, allowing you to sign up for a Medicare Advantage Plan as soon as you become eligible for Medicare.

🗓️ Annual Enrollment Period (AEP)

The AEP runs from October 15 to December 7 each year, giving you the opportunity to change, drop, or enroll in a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

Between January 1 and March 31, if you’re already enrolled in a Medicare Advantage Plan, you can switch plans or revert to Original Medicare.

To learn more about the enrollment periods and steps to take, check out our comprehensive Medicare Enrollment guide.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Cattaraugus County?

Based on the 2025 plan data, PPO plans are the most common in Cattaraugus County. The full breakdown of plan types is: 23 PPO · 11 HMO · 10 HMO-POS · 2 PFFS · 2 REGIONAL PPO.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Cattaraugus County is $6,989 for 2025.

Do any Medicare Advantage plans in Cattaraugus County have 5-star ratings?

No 5-star rated Medicare Advantage plans are available in Cattaraugus County for the 2025 plan year. However, 63% of plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Cattaraugus County?

The average monthly premium for Medicare Advantage plans in Cattaraugus County is $41.82. A total of 21 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H5521 381, H5521 323, H5521 459, H5521 215, H3384 062, H3362 016, H3362 017, H3362 033, H3362 041, H3344 012, H3344 013, H3305 020, H3305 022, H3384 022, H3384 019, H3384 067, H3384 058, H5526 004, H5526 016, H5526 020, H5526 027, H5526 023, H3351 001, H3335 056, H3351 019, H3351 017, H3335 060, H3351 020, H3351 002, H3351 012, H3379 040, H3312 065, H5970 016, H5970 029, H9615 018, H9615 007, H9615 008, H2816 037, H2816 038, H3418 008, R5342 005, R5342 002, H5599 002, H5599 004, H2775 113, H2775 111, H2775 105, H2775 106

Plan Availability

The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Allegany, Cattaraugus, Conewango Valley, Delevan, Ellicottville, Franklinville, Freedom, Gowanda, Great Valley, Hinsdale, Limestone, Little Valley, Machias, Olean, Perrysburg, Portville, Randolph, Saint Bonaventure, Salamanca, South Dayton, West Valley, and all other areas of Cattaraugus County, New York, including the following zip codes: 14009, 14030, 14041, 14042, 14060, 14062, 14065, 14070, 14081, 14101, 14129, 14133, 14134, 14138, 14141, 14168, 14171, 14173, 14706, 14719, 14726, 14727, 14729, 14730, 14731, 14737, 14738, 14741, 14743, 14747, 14748, 14751, 14753, 14755, 14760, 14766, 14770, 14772, 14778, 14779, 14783, 14788.

Citations & References
  • CMS.gov, "Medicare Advantage Plan Fact Sheet", Last Accessed 19 March, 2025
  • Medicare.gov, "Special Needs Plans (SNP)", Last Accessed 11 June, 2024
  • Medicare.gov, "How to compare Medigap policies", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

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On This Page

  • List of Plans
  • Plan Overview
  • Benefits
  • How to Choose
  • Enrollment

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David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has delivered independent, data-driven Medicare research to help seniors make informed, confident decisions.

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