Medicare Advantage plans in Cumberland, VA, 2027
Cumberland, Virginia has 29 Medicare Advantage plans open to everyone for 2027 (27 in 2026) and 25 special needs plans, according to the CMS landscape files; 25 of the open plans have a $0 premium. 3 plans that served the county in 2026 end or leave it, with 17 members living here in September 2026.
What changes in Cumberland for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 27 | 29 | ▲up 2 |
| Special needs plans | 21 | 25 | ▲up 4 |
| Plans with a $0 premium | 21 | 25 | ▲up 4 |
| Plans that lower the Part B premium | 12 | 10 | ▼down 2 |
| Median out-of-pocket limit | $8,700 | $9,850 | ▲up $1,150 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Cumberland join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| HumanaChoiceH5216-152 · PPO | $0 | $3,400 | none | 3.5 of 5 |
| Anthem Medicare Advantage 3H3447-050 · HMO-POS | $0 | $5,850 | none | 3.5 of 5 |
| Devoted Core 008 VAH6994-008 · HMO | $0 | $5,850 | none | not rated (too new) |
| Aetna Medicare Eagle GivebackH5521-322 · PPO | $0 | $6,750 | $100 | 4.5 of 5 |
| Anthem VeteranH4909-020 · PPO | $0 | $6,800 | $80 | 3.5 of 5 |
| Devoted Giveback Extras 031 VAH6994-031 · HMO | $0 | $6,800 | $70 | not rated (too new) |
| Humana Value ChoiceH5216-266 · PPO | $0 | $7,150 | none | 3.5 of 5 |
| Humana Value ChoiceH7617-098 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare SignatureH3931-101 · HMO-POS | $0 | $7,500 | none | 3 of 5 |
| Devoted Giveback 009 VAH6994-009 · HMO | $0 | $8,250 | $184.70 | not rated (too new) |
| AARP Medicare Advantage Essentials from UHC VA-6H2001-098 · PPO | $0 | $8,900 | none | 4.5 of 5 |
| AARP Medicare Advantage Patriot No Rx VA-MA01H2001-099 · PPO | $0 | $8,900 | $165 | 4.5 of 5 |
| AARP Medicare Advantage Extras from UHC VA-18H2406-125 · PPO | $0 | $9,300 | none | 4 of 5 |
| Humana Essentials Plus GivebackH5216-308 · PPO | $0 | $9,850 | $119 | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-310 · PPO | $0 | $9,850 | $162 | 3.5 of 5 |
| HumanaChoiceH5216-363 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| HumanaChoiceH5216-408 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Gold PlusH5619-157 · HMO | $0 | $9,850 | none | 3 of 5 |
| Humana Total CompleteH6622-083 · HMO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Gold PlusH6622-085 · HMO | $0 | $9,850 | none | 3.5 of 5 |
Show the other 9 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana Total CompleteH6622-091 · HMO | $0 | $9,850 | none | 3.5 of 5 |
| Humana Essentials Plus GivebackH7617-100 · PPO | $0 | $9,850 | $119 | 4.5 of 5 |
| Humana USAA Honor GivebackH7617-101 · PPO | $0 | $9,850 | $162 | 4.5 of 5 |
| HumanaChoiceR0110-004 · Regional PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana USAA Honor GivebackR0110-006 · Regional PPO | $0 | $9,850 | $52 | 3.5 of 5 |
| HumanaChoiceH5216-144 · PPO | $46 | $9,850 | none | 3.5 of 5 |
| Aetna Medicare Enhanced PlusH5521-721 · PPO | $48 | $7,500 | none | 4.5 of 5 |
| HumanaChoiceH7617-125 · PPO | $58 | $9,850 | none | 4.5 of 5 |
| Humana Full AccessR0110-005 · Regional PPO | $158 | $9,850 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Cumberland in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Aetna Medicare Enhanced PlusH5521-084 | 17 | Leaves the county |
| Aetna Medicare SignatureH5521-484 | fewer than 11 | Not offered |
| Aetna Medicare PremierH5521-652 | fewer than 11 | Leaves the county |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| UHC Dual Advantage VA-V1H2445-004 | Dual-Eligible | $0 |
| Anthem Kidney CareH3447-033 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Enhanced 010 VAH6994-010 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Giveback Extras 027 VAH6994-027 | Chronic or Disabling Condition | $0 |
| Humana DaVita Kidney CareH7617-133 | Chronic or Disabling Condition | $0 |
| Aetna Medicare FIDEH1610-001 | Dual-Eligible | $0 |
| Anthem Dual Advantage PlusH2441-001 | Dual-Eligible | $0 |
| UHC Dual Complete VA-YLH2445-001 | Dual-Eligible | $0 |
| UHC Dual Complete VA-Q001H2445-002 | Dual-Eligible | $0 |
| UHC Dual Complete VA-Y002H2445-003 | Dual-Eligible | $0 |
| Humana Dual Fully IntegratedH2875-001 | Dual-Eligible | $0 |
| Humana Dual QMB OnlyH2875-002 | Dual-Eligible | $0 |
| Humana Dual SelectH2875-006 | Dual-Eligible | $0 |
| Anthem Dual Advantage PlusH4694-002 | Dual-Eligible | $0 |
| Anthem Full Dual Advantage SupportH4694-003 | Dual-Eligible | $0 |
| Anthem Full Dual AdvantageH4694-004 | Dual-Eligible | $0 |
| Humana Together in HealthH5216-362 | Institutional | $0 |
| Devoted C-SNP Plus 004 VAH6994-004 | Chronic or Disabling Condition | $0 |
| Humana Together in HealthH7617-131 | Institutional | $0 |
| Humana DaVita Kidney CareH7617-134 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete VA-Y4H0421-001 | Dual-Eligible | $6.30 |
| Sentara Community Complete SelectH2563-020 | Dual-Eligible | $6.30 |
| Sentara Community CompleteH4499-001 | Dual-Eligible | $6.30 |
| Humana Gold Plus: Diabetes and HeartH6622-084 | Chronic or Disabling Condition | $13 |
| Humana Gold Plus: Diabetes and HeartH5619-145 | Chronic or Disabling Condition | $31 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Cumberland use Medicare Advantage?
1,079 of the county's 2,551 people with Medicare were in a Medicare Advantage plan in September 2026, 42.3%; in Virginia as a whole the share is 39.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in VirginiaEvery county of the state
- 9 stand-alone drug plans in VirginiaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027