Medicare Advantage plans in Schenectady County, 2026

Every Medicare Advantage plan sold in Schenectady County for 2026

60 plans, from the CMS Medicare Advantage and Part D landscape file, contract year 2026, read September 18, 2026. The list is the whole field, not just what one agent sells: the first 54 are from carriers I'm appointed with and can enroll you in; the last 6 are listed so nothing is hidden. 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, and comparing them against your doctors and prescriptions is the conversation, not a table.

Source: CMS Medicare Advantage and Part D landscape file, contract year 2026, read September 18, 2026. Plans are filed by county, so a plan sold in Schenectady County may not be sold ten minutes away. "Under CMS sanction" means Medicare has suspended the plan's enrollment or marketing at the time of reading.

How to read this table

• Type decides the network rule. HMO pays nothing out of network except emergencies; HMO-POS allows some out-of-network care; PPO pays out of network at a higher cost; PFFS lets you use any provider that agrees to the plan's terms, visit by visit.
• Special needs plans are only for people who qualify: D-SNP for Medicare plus Medicaid (the D-SNP guide explains who), C-SNP for a listed chronic condition, I-SNP for nursing-home residents. If you don't qualify, skip those rows.
• Carrier is not network. Two plans from the same company can have different provider lists. Which carriers Albany Med, St. Peter's, Ellis and Saratoga Hospital each list is on the hospital page; the specific plan's directory is the final check.
• Which of these fits you comes down to your doctors, your hospital, your prescriptions and how much of the year you're away. The plan finder narrows it in eight questions; how to choose a Medicare plan walks through the reasoning.

The other route

Every table like this leaves out the alternative: Original Medicare with a Medigap policy and a Part D plan, which has no network and, in New York, can be applied for in any month (leaving an Advantage plan for it still needs an enrollment period). Albany-region Medigap premiums are on the rates page; the trade-offs are in Advantage vs Medigap in New York. For a comparison against your doctors and prescriptions, ask; there's no fee.

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.