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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated July 15, 2025

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Medicare Advantage
 » 
Virginia
 » 
Northumberland County

Guide to Medicare Advantage Plans in Northumberland County, VA for 2025

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

There are 26 Medicare Advantage plans available in Northumberland County, VA for the 2025 plan year, including 20 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

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

  • Top 3 Plans by Enrollment:
    1. Anthem Medicare Advantage (HMO-POS) — 196 enrollees
    2. Anthem Medicare Advantage 3 (HMO-POS) — 133 enrollees
    3. AARP Medicare Advantage from UHC VA-0006 (PPO) — 129 enrollees
  • Average Monthly Premium: $10.67
  • Average Maximum Out-of-Pocket Limit: $7,188
  • Average Prescription Drug Deductible: $380.29
  • Ratings (Plan Mix): 4+ Stars: 27% · 3 Stars: 73% · Below 3: 0%
  • Plan Type Breakdown 13 PPO · 1 PFFS · 4 HMO-POS · 3 REGIONAL PPO · 5 HMO

Northumberland County, Virginia Medicare Advantage Plans

Medicare Advantage Plans in Northumberland County, VA for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
Aetna Medicare Eagle* PPO $0 $6,750 N/A
☆☆☆☆☆
Aetna Medicare Premier* PPO $0 $7,900 $250
☆☆☆☆☆
Aetna Medicare Value Plus* PPO $20 $5,500 $590
☆☆☆☆☆
AARP Medicare Advantage from UHC VA-0006 PPO $0 $8,300 $255
☆☆☆☆☆
AARP Medicare Advantage from UHC VA-0018 PPO $0 $8,300 $495
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx VA-MA01 PPO $0 $8,900 N/A
☆☆☆☆☆
Humana Gold Choice H8145-042 PFFS $0 $7,550 N/A
☆☆☆☆☆
Aetna Medicare Select HMO-POS $0 $4,900 $0
☆☆☆☆☆
Anthem Extra Help HMO-POS $8 $2,900 $590
☆☆☆☆☆
Anthem Medicare Advantage HMO-POS $0 $4,900 $275
☆☆☆☆☆
Anthem Medicare Advantage 3 HMO-POS $0 $2,800 $150
☆☆☆☆☆
Humana Full Access R0110-005 Regional PPO $128 $9,350 $480
☆☆☆☆☆
Humana Gold Plus H6622-083 HMO $0 $9,350 $350
☆☆☆☆☆
Humana Gold Plus H6622-085 HMO $20 $9,350 $590
☆☆☆☆☆
Humana Gold Plus H6622-091 HMO $0 $9,350 $450
☆☆☆☆☆
Humana USAA Honor Giveback Regional PPO $0 $9,350 N/A
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $9,350 N/A
☆☆☆☆☆
HumanaChoice Giveback H5216-308 PPO $0 $9,350 $450
☆☆☆☆☆
HumanaChoice H5216-027 PPO $71 $9,350 $350
☆☆☆☆☆
HumanaChoice H5216-152 PPO $0 $3,400 N/A
☆☆☆☆☆
HumanaChoice H5216-363 PPO $31 $9,350 $590
☆☆☆☆☆
HumanaChoice H5216-408 PPO $0 $9,350 $450
☆☆☆☆☆
HumanaChoice R0110-004 Regional PPO $0 $7,550 N/A
☆☆☆☆☆
Anthem Veteran PPO $0 $6,800 N/A
☆☆☆☆☆
Sentara Medicare Salute HMO $0 $3,550 N/A
☆☆☆☆☆
Sentara Medicare Value HMO $0 $3,400 $150
☆☆☆☆☆
**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 Northumberland County
Average Monthly Premium
$10.67
Plans with $0 Premium
20
Average MOOP Limit
$7,188 ($9,350 max. in 2025)
Average Rx Deductible
$380.29
Plans Without Drug Coverage
4 (standalone Virginia Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 27% · 3 Stars: 73% · Below 3: 0%
Plans Available
26 (excluding Northumberland County SNP plans)
Plan Type Breakdown
13 PPO · 1 PFFS · 4 HMO-POS · 3 REGIONAL PPO · 5 HMO
Countywide Enrollments
1,024 (excluding SNP plans)
Top 3 Plans by Enrollment
1. Anthem Medicare Advantage (HMO-POS) — 196 enrollees
2. Anthem Medicare Advantage 3 (HMO-POS) — 133 enrollees
3. AARP Medicare Advantage from UHC VA-0006 (PPO) — 129 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 Medicare Part C, are private health plans that provide all-in-one coverage, including Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). On top of the core benefits, many of the plans in Northumberland County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in Northumberland County looking for something more than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Northumberland 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 106 residents enrolled in HMO plans in this county. The most popular plan is Humana Gold Plus H6622-083 .

🔓 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 442 Northumberland County residents enrolled in PPO plans. The most popular of these plans by enrollments is AARP Medicare Advantage from UHC VA-0006 .

🪟 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 15 Northumberland County residents enrolled in PFFS plans. The most popular of these plans by enrollments is Humana Gold Choice H8145-042 .

🔀 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 446 residents enrolled in HMO-POS plans in this Northumberland County. The most popular plan by enrollments is Anthem Medicare Advantage .

Advantages of Enrolling in Medicare Advantage

Many Medicare Advantage Plans offer extra benefits that go beyond Original Medicare, making them an attractive option for some people. These plans provide comprehensive coverage, often including additional services like prescription drug coverage, dental, vision, and wellness programs, all bundled into one plan. By choosing a Medicare Advantage Plan, you can simplify your healthcare and potentially save on costs.

Take a look at the main benefits provided by Medicare Advantage Plans in Northumberland County:

🧑‍⚕️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

Choosing the right Medicare Advantage Plan out of the 26 plans available in Northumberland County requires careful consideration of several key factors:

🏥1. Provider Network

Verify that your current doctors and preferred hospitals are included in the plan's network. Access to your healthcare providers can significantly impact your care experience.

💊 2. Prescription Drug Coverage

Make sure the plan covers your medications, particularly if you have specific prescriptions you rely on regularly.

💰 3. Costs

Examine the plan's premiums, copayments, and out-of-pocket limits. Compare these costs against your budget to avoid unexpected expenses.

🎁 4. Additional Benefits

Consider what extra services, such as dental, vision, or wellness programs, are important to you, and check if the plan offers them.

⭐ 5. Plan Ratings

Look into the plan's star ratings, which provide insight into the plan's overall quality and member satisfaction.

Learn more about the basics of comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Making sense of Medicare Advantage enrollment periods can seem overwhelming, but it's worth the effort for better health coverage. Missing these key dates could delay your coverage or limit your plan choices for 2025 in Northumberland County.

📅 Initial Enrollment Period (IEP)

This initial enrollment window starts three months before and ends three months after your 65th birthday, offering a total of seven months to enroll in a Medicare Advantage Plan.

🗓️ Annual Enrollment Period (AEP)

Every year from October 15 to December 7, you have the option to change, enroll, or disenroll from a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

Running from January 1 to March 31, this period allows changes to your Medicare Advantage Plan if you’re already enrolled or lets you switch back to Original Medicare.

For comprehensive details on how to enroll, visit our detailed guide on Medicare Enrollment.

Frequently Asked Questions

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

Based on the 2025 plan data, PPO plans are the most common in Northumberland County. The full breakdown of plan types is: 13 PPO · 1 PFFS · 4 HMO-POS · 3 REGIONAL PPO · 5 HMO.

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

The average maximum out-of-pocket limit (MOOP) in Northumberland County is $7,188 for 2025.

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

No 5-star rated Medicare Advantage plans are available in Northumberland County for the 2025 plan year. However, 27% of plans have a rating of 4 stars or higher.

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

The average monthly premium for Medicare Advantage plans in Northumberland County is $10.67. A total of 20 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 322, H5521 395, H5521 084, H2001 098, H2406 125, H2001 099, H8145 042, H3931 100, H3447 028, H3447 013, H3447 049, R0110 005, H6622 083, H6622 085, H6622 091, R0110 006, H5216 310, H5216 308, H5216 027, H5216 152, H5216 363, H5216 408, R0110 004, H4909 020, H2563 014, H2563 009

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 Callao, Heathsville, Lottsburg, Reedville, and all other areas of Northumberland County, Virginia, including the following zip codes: 22432, 22435, 22456, 22473, 22482, 22503, 22511, 22530, 22539, 22579.

Citations & References
  • Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 19 March, 2025
  • CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 2024
  • Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", 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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[3]About the Author

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.

David is also the founder of TrustPublishing.com and the inventor of the Memory-First Publishing and Semantic Digest protocols.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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