MVP Health Care Medicare plans in the Capital Region
What MVP Health Care sells to Medicare beneficiaries in New York, what the Capital Region's hospitals say about it in 2026, and how it compares. I'm appointed with MVP Health Care; I'm also appointed with the carriers it competes with, which is the point.
MVP Health Care (MVP Health Plan, Inc.; home office Schenectady, New York) sells the following to New York Medicare beneficiaries: Medicare Advantage HMO, HMO-POS and PPO plans with Part D; Dual-eligible (D-SNP) plans. MVP's HMO-POS plans allow some out-of-network care; its HMOs don't. The plan type matters more than the carrier name. I'm appointed with MVP Health Care and with its competitors; the plan is chosen by checking your doctors, your hospital and your prescriptions against each specific plan, not by carrier name, and there's no fee for the comparison.
Who they are
Headquartered on State Street in Schenectady, MVP is the other health insurer based in the region. It contracts with all three local hospital systems and sells HMO, HMO-POS and PPO Medicare plans across upstate New York and Vermont.
Plans are issued by MVP Health Plan, Inc., home office Schenectady, New York (625 State Street, Schenectady). Named here because New York Insurance Law §2122(b) requires a licensee who names an insurer to give its full name and home-office city.
What MVP Health Care sells to Medicare beneficiaries in New York
- Medicare Advantage HMO, HMO-POS and PPO plans with Part D
- Dual-eligible (D-SNP) plans
Not every product is sold in every county, and I don't offer every MVP Health Care plan. What I can quote for your ZIP code is settled in the first call.
MVP Health Care Medicare Advantage plans in the counties I cover, 2027
7 MVP Health Care plans are filed in the 17 counties I cover for 2027 (Albany, Saratoga, Schenectady, Rensselaer, Warren and Washington in person, the others by phone and video), according to the CMS landscape file read October 27, 2026. Premiums, benefits and star ratings are in each plan's own documents; which of these I can enroll you in, and whether one fits, is the comparison against your doctors and prescriptions.
| Plan | Type | Sold in |
|---|---|---|
| MVP DualAccess (HMO D-SNP) | HMO D-SNP | Albany, Saratoga, Schenectady, Rensselaer, Columbia, Greene, Ulster, Dutchess |
| MVP DualAccess Complete (HMO D-SNP) | HMO D-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Herkimer, Ulster, Dutchess |
| MVP Medicare Preferred Gold without Part D (HMO-POS) | HMO-POS | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer, Hamilton, Essex, Ulster, Dutchess |
| MVP Medicare Secure Plus Choice with Part D (PPO) | PPO | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer |
| MVP Medicare Secure Plus with Part D (HMO-POS) | HMO-POS | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer, Ulster, Dutchess |
| MVP Medicare WellValue with Part D (HMO-POS) | HMO-POS | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer |
| MVP Medicare Complete Wellness with Part D (PPO) | PPO | Ulster, Dutchess |
Every carrier's plans, county by county: Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington.
What changed for MVP Health Care from 2026 to 2027
Across the six Capital Region counties: 2 new plans, 1 plan no longer sold. Every other MVP Health Care plan continues under the same plan ID; its premium, network and benefits can still change, and your Annual Notice of Change lists what did.
| Change | Plan | Plan ID | Counties |
|---|---|---|---|
| New for 2027 | MVP Medicare Secure Plus Choice with Part D (PPO) | H9615-025 | All six |
| New for 2027 | MVP Medicare WellValue with Part D (HMO-POS) | H3305-038 | All six |
| No longer sold | MVP Medicare Complete Wellness with Part D (PPO) | H9615-024 | All six |
If your plan is on the "no longer sold" list, you can choose another plan or return to Original Medicare without waiting for the usual window; the enrollment check shows your dates, and in New York you can also apply for a Medigap policy in any month.
From the CMS landscape files for 2026 and 2027, read October 27, 2026. The comparison covers the six Capital Region counties; the other counties on this site have no 2026 list here to compare against. Every carrier's changes, county by county: what changed for 2027.
Capital Region hospitals and MVP Health Care Medicare Advantage, 2026
| Hospital system | On the hospital's list? | Note from the list |
|---|---|---|
| Albany Med Health System Albany Medical Center (Albany), Saratoga Hospital (Saratoga Springs), Glens Falls Hospital, Columbia Memorial (Hudson), Malta Med Emergent Care | Listed | |
| St. Peter's Health Partners St. Peter's Hospital (Albany), Samaritan Hospital (Troy), Sunnyview Rehabilitation Hospital (Schenectady), St. Peter's Health Partners Medical Associates | Listed | |
| Ellis Medicine Ellis Hospital (Schenectady), Bellevue Woman's Center (Niskayuna), Medical Center of Clifton Park, Ellis Health Center | Listed |
From the three systems' accepted-insurance pages, read October 15, 2026. "Listed" means the carrier appears on the hospital's list, not that every plan or every physician is in network; "Not accepted" means the hospital states the exclusion; "Not listed" means the carrier is absent from the list, which is unverified rather than excluded. Check the specific plan's directory either way. The full matrix and the hospitals' own wording are on which plans Capital Region hospitals accept; where each MVP Health Care plan stands, hospital by hospital: Albany Medical Center, St. Peter's Hospital, Ellis Hospital, Saratoga Hospital, Samaritan Hospital, Glens Falls Hospital.
What to watch
MVP's HMO-POS plans allow some out-of-network care; its HMOs don't. The plan type matters more than the carrier name.
How I use this
I'm appointed with MVP Health Care and with its competitors, and I'm paid by the carrier rather than by you, at commission rates that Medicare caps for Advantage and Part D plans, so the comparison is a fair one. Every recommendation starts with your doctors and your hospital checked against the specific plan's directory, then your prescriptions priced through its formulary, then the total yearly cost. When a MVP Health Care plan is the right answer I'll say so; when it isn't, I'll say that too. Ask for a comparison, or read how to choose a Medicare plan in New York first. Official plan details: MVP Health Care's Medicare site.
- MVP Health Care Medicare (carrier site)
- Insurance company directory (NY Department of Financial Services) — legal entity names and home-office addresses, checked September 16, 2026
- Accepted insurance (Albany Med Health System)
- Accepted insurance (St. Peter's Health Partners)
- Participating insurance listing (Ellis Medicine)
- Comparison of 2026 Medicare Supplement premiums (NY DFS)
- Insurance Law §2122, advertising by licensees (New York State Senate)
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 81 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week. Insurers' legal names and home offices: carriers page.
Common questions
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
Do you sell MVP Health Care Medicare plans?
Yes. I'm appointed with MVP Health Care and with the other carriers active in the Capital Region, and I'm paid by the carrier rather than by you. Not every MVP Health Care plan is available in every county, and I don't offer every plan; I'll tell you which ones I can quote for your ZIP code.
Does Albany Med accept MVP Health Care Medicare Advantage?
See the hospital table on this page, taken from the Albany Med Health System's own accepted-insurance list as read October 15, 2026, and remember that a carrier on the list does not guarantee every plan or physician is in network; the specific plan's directory is the final check.
Is MVP Health Care the right choice for me?
Only your doctors, hospital, prescriptions and budget can answer that. A MVP Health Care plan is right when those check out against the specific plan, and wrong when they don't, regardless of what the carrier's advertising says. I run that comparison across carriers at no fee.
Ask for a Medicare comparison
Your doctors, your prescriptions and your ZIP code are all I need to start. No fee for plan comparison or enrollment.