Which Medicare Advantage plans does Saratoga Hospital accept?

Saratoga Hospital's list, 2026

Saratoga Hospital in Saratoga Springs is part of Albany Med Health System, which publishes one accepted-insurance list for its hospitals (Albany Medical Center (Albany), Saratoga Hospital (Saratoga Springs), Glens Falls Hospital, Columbia Memorial (Hudson), Malta Med Emergent Care). Saratoga Hospital is a member of Albany Med Health System, so the system's list applies, and its own page names United Healthcare alongside the system's carriers. Its page is also where the Humana note appears: Humana Medicare has not been accepted for non-emergency services since June 30, 2024. Malta Med Emergent Care and the Saratoga Hospital Medical Group practices follow the same list.

What the list says about Medicare Advantage carriers, read September 16, 2026:

• Listed: CDPHP; MVP Health Care; Highmark Blue Shield of Northeastern NY; UnitedHealthcare (Albany Medical Center: all UHC products except Medicaid, effective Dec 15, 2025; Saratoga and Glens Falls also list United Healthcare); Fidelis Care; Empire BlueCross BlueShield (Anthem); Hamaspik Medicare Select; Nascentia Health Plus.
• Listed, not all plans: Aetna (listed with 'does not participate in all plans'); EmblemHealth (listed with 'does not participate in all plans'). The hospital itself adds that note, so the specific plan matters more than usual here.
• Not accepted: Humana (Saratoga Hospital's own list: Humana Medicare not accepted for non-emergency services after June 30, 2024.).
• Not on the list: Wellcare, Trinity Health Plan of New York, VNS Health. Absent from the page as read, which is a reason to verify with the plan and the hospital, not proof of exclusion.

Source: Accepted insurance (Albany Med Health System), read September 16, 2026. The list covers hospital facility services; hospital-based physician groups (anesthesia, radiology, pathology, emergency) bill separately and may participate in different plans, and a physician office's own insurance list is not the hospital's.

Every 2026 Medicare Advantage plan sold in Saratoga County, against Saratoga Hospital's list

53 plans, from the CMS Medicare Advantage and Part D landscape file, contract year 2026, read September 21, 2026. Each plan is placed under the hospital's wording for its carrier: 22 listed, 9 listed with the "not all plans" note, 5 from a carrier the hospital states it does not accept, 17 from carriers not on the list. The last column shows which plans I can enroll you in; the rest are listed so the field is complete. Premiums, copays, extras and star ratings are left off on purpose; they are in each plan's own documents and on medicare.gov/plan-compare.

"Listed" means the plan's carrier appears on the hospital's list; it does not mean this plan's network includes Saratoga Hospital. "Not accepted" is the hospital's own statement about the carrier, with its date. "Not on the list" means the carrier is absent from the page as read, which is unverified, not excluded. Plans are filed by county, so this is the Saratoga County list; a plan sold here may not be sold in the next county. Special-needs plans (D-SNP, C-SNP, I-SNP) are only for people who qualify.

Confirm before you rely on any of it

Two checks, both by name, before you enroll or stay in a plan because of Saratoga Hospital: look up Saratoga Hospital in the plan's own provider directory (not the carrier's general one), and call the hospital's billing office with the exact plan name. Then do the same for each doctor you see, because a hospital contract and a physician contract are separate. Lists change between enrollment periods; the Humana changes in this region happened in June 2024 and January 2025, not on January 1. I re-read the hospital's page each October before the Annual Enrollment Period and update this page; the dates above say when it was last read.

The route that needs no list

Original Medicare has no network, and Saratoga Hospital participates in it. Paired with a Medigap policy, which in New York can be bought in any month without health questions, it covers Saratoga Hospital, the other Capital Region hospitals and hospitals anywhere in the country; it costs more per month than a $0-premium Advantage plan and needs a separate Part D plan. If you are in an Advantage plan today, leaving it for Original Medicare happens only in an enrollment period, and the Medigap and Part D start dates have to line up with the disenrollment; the enrollment check shows which window is open. The trade-offs are in Advantage vs Medigap in New York; current Albany-region Medigap premiums are on the rates page.

Nearby

The full Saratoga County plan list without the hospital column, and the Saratoga County Medicare page. All three hospital systems side by side: which plans Capital Region hospitals accept. Town pages for people who use Saratoga Hospital: Saratoga Springs, Malta & Ballston Spa, Clifton Park. Other hospitals: Albany Medical Center, St. Peter's Hospital, Ellis Hospital, Samaritan Hospital, Glens Falls Hospital.

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We do not offer every plan available in your area. Currently we represent 11 organizations which offer 63 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the U.S. government, the Social Security Administration or the federal Medicare program. Insurers named on this page are identified by legal name and home office on the carriers page, as New York Insurance Law §2122(b) requires.