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Your Guide to Medicare Advantage in Lycoming County, PA

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Welcome to our comprehensive guide to Medicare Advantage Plans in Lycoming County, Pennsylvania for 2025. With 66 plans available, it’s important to find the one that best suits your healthcare needs. This guide will help you explore and compare your options, providing all the information you need to make an informed decision.

Medicare Advantage Plan Options for Lycoming County

Explore the 66 Medicare Advantage Plans currently offered in Lycoming County. Take a closer look at any plan, and you'll find a dedicated page packed with benefit and coverage details.

Lycoming County, Pennsylvania Medicare Advantage Plans

Medicare Advantage Plans in Lycoming County, PA for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
Community Blue Medicare HMO Signature* HMO $0 $6,500 $0
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Aetna Medicare Advantra Credit Value* PPO $0 $7,500 $590
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Aetna Medicare Advantra Eagle* HMO-POS $0 $5,500 N/A
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Aetna Medicare Advantra Gold* HMO-POS $0 $7,500 $590
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Aetna Medicare Advantra Premier* HMO-POS $18 $7,500 $590
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Aetna Medicare Advantra Premier Plus* PPO $72 $5,900 $590
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Aetna Medicare Advantra Silver* PPO $0 $7,500 $590
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Aetna Medicare Gold* PPO $142 $7,500 $590
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Aetna Medicare Value* PPO $0 $6,350 $590
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Aetna Medicare Value Plus* PPO $19 $6,900 $590
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Community Blue Medicare Plus PPO Distinct* PPO $20 $5,500 $0
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Community Blue Medicare Plus PPO Premier* PPO $55 $4,900 $0
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Community Blue Medicare Plus PPO Signature* PPO $0 $7,950 $0
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Complete Blue Plus PPO Choice* PPO $0 $7,550 $0
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Complete Blue Plus PPO Choice Deluxe* PPO $7 $6,400 $0
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Freedom Blue PPO Basic* PPO $61 $5,900 N/A
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Freedom Blue PPO Deluxe* PPO $248 $4,500 $0
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Freedom Blue PPO Standard* PPO $134 $5,000 $0
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Freedom Blue PPO Valor* PPO $0 $6,000 N/A
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Freedom Blue PPO ValueRx* PPO $39 $5,500 $0
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Geisinger Gold Classic 360 Rx* HMO $0 $8,000 $0
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Geisinger Gold Classic Advantage Rx* HMO $103 $3,450 $0
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Geisinger Gold Classic Complete Rx* HMO $39 $4,400 $0
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Geisinger Gold Classic Essential Rx* HMO $0 $7,550 $0
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Geisinger Gold Heritage* HMO $0 $6,700 N/A
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Geisinger Gold Preferred Advantage Rx* PPO $97 $4,000 $0
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Geisinger Gold Preferred Complete Rx* PPO $0 $8,000 $0
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Geisinger Gold Preferred Enhanced Rx* PPO $0 $7,550 $0
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Geisinger Gold Value Rx* HMO $23 $8,850 $0
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UPMC for Life HMO Deductible Rx* HMO $22 $6,000 $175
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UPMC for Life HMO No Rx* HMO $0 $5,000 N/A
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UPMC for Life HMO Premier Rx* HMO $0 $6,000 $350
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UPMC for Life HMO Rx* HMO $90 $4,500 $0
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UPMC for Life HMO Rx Choice* HMO $35 $6,000 $175
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UPMC for Life HMO Rx Enhanced* HMO $295 $7,550 $0
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UPMC for Life PPO Essential Care Rx* PPO $0 $8,000 $350
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UPMC for Life PPO Premier Rx* PPO $0 $6,700 $350
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UPMC for Life PPO Rx Choice* PPO $19 $6,000 $175
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UPMC for Life PPO Salute* PPO $0 $6,750 N/A
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AARP Medicare Advantage from UHC PA-0002 HMO-POS $0 $6,700 $340
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AARP Medicare Advantage from UHC PA-0003 HMO-POS $26 $5,900 $255
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AARP Medicare Advantage from UHC PA-0007 PPO $35 $5,900 $420
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AARP Medicare Advantage from UHC PA-0011 PPO $0 $6,700 $420
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AARP Medicare Advantage from UHC PA-0014 PPO $31 $5,900 $255
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AARP Medicare Advantage Giveback from UHC PA-12 PPO $0 $8,900 $495
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AARP Medicare Advantage Patriot No Rx PA-MA01 HMO-POS $0 $6,700 N/A
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Humana Gold Choice H8145-052 PFFS $0 $7,100 $360
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Humana Gold Choice H8145-055 PFFS $0 $6,700 N/A
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Humana Gold Choice H8145-163 PFFS $108 $1,500 N/A
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Humana Gold Plus H6622-036 HMO $0 $9,350 $300
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Humana USAA Honor Giveback PPO $0 $6,700 N/A
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Humana USAA Honor Giveback with Rx PPO $0 $7,850 $300
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Humana Value Plus H5216-117 PPO $29 $7,800 $590
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HumanaChoice Giveback H5216-116 PPO $0 $4,150 N/A
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HumanaChoice Giveback H5525-058 PPO $0 $7,500 $225
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HumanaChoice H5216-120 PPO $105 $7,600 $300
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HumanaChoice H5525-005 PPO $41 $8,300 $300
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HumanaChoice H5525-017 PPO $26 $6,300 $300
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HumanaChoice H5525-051 PPO $0 $7,500 $300
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HumanaChoice R0110-007 Regional PPO $0 $4,500 N/A
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HumanaChoice R0110-008 Regional PPO $63 $6,700 $0
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Wellcare Assist HMO $30 $5,200 $490
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Wellcare Patriot Giveback HMO $0 $7,550 N/A
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Wellcare Simple HMO $0 $5,900 $420
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Wellcare Giveback Open PPO $0 $7,550 $420
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Wellcare Simple Open PPO $0 $6,700 $420
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**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.

What Are Medicare Advantage Plans?

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 66 plans available in Lycoming 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): Medicare Advantage HMO Plans require members to use a specific network of doctors and hospitals in Lycoming County and usually requires referrals for specialist care. HMOs tend to be more affordable but come with restrictions on provider choice.
  • Preferred Provider Organization (PPO): PPO Plans provide greater flexibility in choosing healthcare providers, allowing members to see specialists without a referral. However, PPOs generally come with higher premiums and out-of-pocket costs.
  • Private Fee-for-Service (PFFS): Members can visit any Medicare-approved doctor or hospital in Lycoming County that agrees to the plan's terms. Medicare Advantage PFFS plans offer more freedom in choosing providers but may have higher associated costs.
  • Medicare Savings Account (MSA): This plan pairs a high-deductible Medicare Advantage plan with a savings account that the plan funds. You can use the money in the savings account to pay for healthcare expenses before meeting your deductible. Any unused funds roll over year to year, offering a way to manage healthcare costs with greater flexibility.

You may also have Medicare HMO-POS plans available. It's a type of HMO that offers a little more 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.

If you qualify for Original Medicare or Medicare Advantage in Lycoming County but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri: 8 am – 10 pm, and Sat-Sun: 8 am – 9 pm EST) and help you get enrolled. There's no obligation.

Benefits of Medicare Advantage Plans

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 Lycoming County residents:

  • Wellness Programs: Many plans provide free gym memberships, wellness programs, and preventive care services to help you maintain your health.
  • Comprehensive Coverage: Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.
  • Coordinated Care: Some plans include care coordination services that will 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.

How to Find the Best Medicare Advantage Plan for You

Selecting the ideal Medicare Advantage Plan from the 66 plans available in Lycoming 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.

Understanding the Medicare Advantage Enrollment Process

Knowing when and how to enroll in a Lycoming County Medicare Advantage Plan is key to getting the healthcare coverage you need. Here’s a quick overview of the enrollment opportunities available to you in for 2025.

  • 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.

Are you ready to enroll? Do you still have questions? Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 8am-9pm, Sat 9pm-8pm EST.

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 and all other areas of Lycoming County, Pennsylvania.

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.

Citations & References