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Medicare Advantage Plans in Cascade, Maryland

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While there are 34 Medicare Advantage plans in Maryland, there are 24 plans available to you in Cascade, Maryland. Cascade is located in Frederick County. Connie Health gathered the plan cost and coverage information that matters most to you. Continue reading to discover the Medicare Advantage plan right for your health & budget and when to enroll.

2025 Medicare Advantage Plan Facts for Cascade

Why Choose a Medicare Advantage Plan?

There are three primary reasons you may choose to enroll in a Medicare Advantage plan:

Medicare Advantage value Connie Health

1. Low or no-cost monthly premiums

You have access to a Medicare Advantage plan as low as $0 monthly. If you don't qualify for a $0 premium plan, the average is $66.77 per month. This premium is low, especially compared to a Medicare Supplement plan or your Part B premiums.

2. Lower out-of-pocket costs

Original Medicare doesn't cap their out-of-pocket costs, so you could end up with unexpectedly high medical bills. With Original Medicare Part B, you must pay the premium, deductible, and 20% coinsurance for Medicare-approved services and procedures. The 20% can add up.

3. Additional benefits not available with Original Medicare

Want routine dental coverage? Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) don't offer comprehensive dental, vision, or hearing coverage. These services would be entirely out-of-pocket for you.

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Medicare Advantage Companies in Cascade

7 insurance companies offer Medicare Advantage plans in Cascade.

Medicare Advantage Insurance Companies in Cascade
Aetna Medicare
Alterwood Advantage
CareFirst BlueCross BlueShield Medicare Advantage
Humana
Johns Hopkins Advantage MD
Kaiser Permanente
UnitedHealthcare

Top 5 Medicare Advantage Insurance Companies in Cascade

These 5 Medicare Advantage insurance companies enroll the largest amount of Medicare beneficiaries in Cascade. They offer the most popular plans.

# Medicare Advantage Insurance Companies in Cascade
1 Kaiser Fdtn Hlth Plan Of The Mid-Atlantic States
2 Humana Insurance Company
3 Sierra Health And Life Insurance Company, Inc.
4 Aetna Health Inc. (Pa)
5 Care Improvement Plus South Central Insurance Co.

2025 Cascade Medicare Advantage Plans

There are 24 Medicare Advantage plans to choose from in Cascade. Below are the many available options. Click on any of the links to review additional plan details.

Medicare Advantage Plan Name Plan Type Monthly Plan Premium Maximum Out-of-Pocket Rx Deductible Medicare Star Rating
HumanaChoice H5216-376 (PPO) Local PPO $33.00 $7,550.00 $505.00 4.5
Humana USAA Honor (PPO) Local PPO $0.00 $5,900.00 - 4.5
Humana USAA Honor (PPO) Local PPO $0.00 $5,900.00 - 4.5
HumanaChoice H5216-387 (PPO) Local PPO $79.00 $7,550.00 $265.00 4.5
AARP Medicare Advantage from UHC MD-0001 (PPO) Local PPO $0.00 $8,300.00 $295.00 4
AARP Medicare Advantage from UHC MD-0002 (PPO) Local PPO $42.00 $7,550.00 $195.00 4
AARP Medicare Advantage Patriot No Rx DC-MA01 (PPO) Local PPO $0.00 $7,500.00 - 4
Aetna Medicare Connect Plus (HMO-POS) Local HMO $75.00 $7,550.00 $300.00 4
Aetna Medicare SmartFit (HMO-POS) Local HMO $0.00 $5,200.00 $250.00 4
Kaiser Permanente Medicare Advantage High MD (HMO-POS) Local HMO $136.00 $5,700.00 $0.00 3.5
Kaiser Permanente Medicare Advantage Standard MD (HMO-POS) Local HMO $27.00 $6,900.00 $0.00 3.5
Kaiser Permanente Medicare Advantage Liberty (HMO) Local HMO $0.00 $6,900.00 - 3.5
Kaiser Permanente Medicare Advantage Value MD (HMO) Local HMO $0.00 $7,200.00 $0.00 3.5
Johns Hopkins Advantage MD (HMO) Local HMO $20.00 $7,550.00 $0.00 3
Johns Hopkins Advantage MD Tribute (HMO) Local HMO $0.00 $6,400.00 - 3
Johns Hopkins Advantage MD (PPO) Local PPO $90.00 $7,550.00 $0.00 3
Johns Hopkins Advantage MD Plus (PPO) Local PPO $120.00 $7,550.00 $0.00 3
Johns Hopkins Advantage MD Primary (PPO) Local PPO $0.00 $7,550.00 $0.00 3
CareFirst BlueCross BlueShield Advantage Core (HMO) Local HMO $14.00 $8,300.00 $0.00 2.5
CareFirst BlueCross BlueShield Advantage Enhanced (HMO) Local HMO $72.00 $7,300.00 $0.00 2.5
Alterwood Advantage Choice (HMO) Local HMO $35.00 $8,850.00 $0.00 2.5
Alterwood Advantage Choice Plus (HMO) Local HMO $125.00 $8,850.00 $0.00 2.5
Alterwood Advantage Freedom (HMO) Local HMO $0.00 $8,850.00 - 2.5
Alterwood Advantage Select (HMO) Local HMO $0.00 $8,850.00 $295.00 2.5

Top 9 Medicare Advantage Plans with the Highest Star Ratings in Cascade

The Centers for Medicare and Medicaid Services (CMS) rates all Medicare Advantage plans on a scale of 1 to 5 stars. Plans with one star are considered “poor,” while those with five stars are considered “excellent.” Any plan that is four stars and higher is a “top-rated” plan. These are the plans with the highest star ratings in Cascade.

# Plan Name Plan Type Monthly Plan Premium Maximum Out-of-Pocket Rx Deductible Medicare Star Rating
1 HumanaChoice H5216-376 (PPO) Local PPO $33.00 $7,550.00 $505.00 4.5
2 Humana USAA Honor (PPO) Local PPO $0.00 $5,900.00 - 4.5
3 Humana USAA Honor (PPO) Local PPO $0.00 $5,900.00 - 4.5
4 HumanaChoice H5216-387 (PPO) Local PPO $79.00 $7,550.00 $265.00 4.5
5 AARP Medicare Advantage from UHC MD-0001 (PPO) Local PPO $0.00 $8,300.00 $295.00 4
6 AARP Medicare Advantage from UHC MD-0002 (PPO) Local PPO $42.00 $7,550.00 $195.00 4
7 AARP Medicare Advantage Patriot No Rx DC-MA01 (PPO) Local PPO $0.00 $7,500.00 - 4
8 Aetna Medicare Connect Plus (HMO-POS) Local HMO $75.00 $7,550.00 $300.00 4
9 Aetna Medicare SmartFit (HMO-POS) Local HMO $0.00 $5,200.00 $250.00 4

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Types of Medicare Advantage Plans Available in Cascade

There are 2 Medicare Advantage plan types you can choose from in Cascade. These include: Local HMO, Local PPO. Not sure which is the best plan for your health needs and budget? We'll walk you through the most popular plan types: Local HMO, Local PPO. At the end of this section, you'll understand the difference between these three most popular plan types.

Medicare Advantage HMO Plans

You have 14 Medicare Advantage HMO plans to choose from in Cascade. An HMO, or Health Maintenance Organization, is a type of health plan that limits coverage to in-network care from doctors who work for or contract with the HMO. Typically, HMO plans won't cover out-of-network care except in an emergency.

Medicare Advantage PPO Plans

There are 10 Medicare Advantage PPO plans in Cascade. A PPO, or Preferred Provider Organization, is a type of health plan where you pay less to use doctors in the plan's network. Unlike an HMO, you can see doctors and specialists and use a hospital outside the network without a referral for an additional cost.

PPO plan comparison Connie Health

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Medicare Advantage Special Needs Plans (SNPs)

Special Needs Plans, or SNPs, are a type of Medicare Advantage plan. There are two types of Special Needs Plans that may be available to you: Chronic Special Needs Plans (C-SNP) and Dual Special Needs Plans (D-SNP).

Chronic Special Needs Plans (C-SNP) are limited to people with specific illnesses or characteristics. For example, you may qualify for a C-SNP if you have diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, dementia, chronic heart failure, or other qualifying illness. Medicare C-SNPs tailor benefits, provider choices, and drug formularies to meet the needs of the special needs groups they serve.

You may qualify for a Dual Special Needs Plan (D-SNP) if you are eligible for Medicare and Medicaid. With a D-SNP, the State of Maryland may cover your Medicare costs, depending on your eligibility.

Veteran Benefits & Medicare

If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:

When to Enroll in a Medicare Advantage Plan in Cascade

Knowing when to enroll or make plan changes can help you save money.

Enrolling in a Medicare Advantage plan for the first time, or are you interested in making a plan change? Skip to the section that applies to you - and mark the dates in your calendar.

Enroll for the First Time

If you're new to Medicare, the best time to enroll in a Medicare Advantage plan is during your Initial Enrollment Period. If you miss that, you can still enroll during the General Enrollment Period (January 1 - March 31) or Special Enrollment Period, but likely with penalties.

Birth Graphic Connie Health

Make a Plan Change

The best time to make a plan change is during the Medicare Annual Enrollment Period (October 15 - December 7). During this time, anyone enrolled in Medicare can review their plan options for the coming year and ensure that their plan choice meets their health and budget needs.

Annual Enrollment Period Connie Health

If you need to make a plan change because you moved to a new service area or lost coverage, among other reasons, you could qualify for a Special Enrollment Period.

Whether you're enrolling for the first time or making a plan change, a Medicare Advantage plan could fit your health and budget needs. Medicare in Maryland can be confusing, and you don't have to sift through your options alone.

Medicare Advantage Special Needs Plans (SNPs)

Special Needs Plans, or SNPs, are a type of Medicare Advantage plan. There are two types of Special Needs Plans that may be available to you: Chronic Special Needs Plans (C-SNP) and Dual Special Needs Plans (D-SNP).

Chronic Special Needs Plans (C-SNP) are limited to people with specific illnesses or characteristics. For example, you may qualify for a C-SNP if you have diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, dementia, chronic heart failure, or other qualifying illness. Medicare C-SNPs tailor benefits, provider choices, and drug formularies to meet the needs of the special needs groups they serve.

You may qualify for a Dual Special Needs Plan (D-SNP) if you are eligible for Medicare and Medicaid. With a D-SNP, the State of Maryland may cover your Medicare costs, depending on your eligibility.

Veteran Benefits & Medicare

If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:

Medicare Doctors Near Me in Cascade, Maryland

Struggling to find a trustworthy doctor who accepts your Medicare plan? It can be a daunting task but don't worry. With Connie Health, you can easily locate Medicare doctors near you.

No more endless phone calls or web searches. Our platform lets you enter your address and plan information (if you have it), and we'll do the rest. Let us help you eliminate the stress of finding a physician who accepts Medicare.

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Frequently Asked Questions

Which doctors near me accept Medicare in Cascade?

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How many people are enrolled in a Medicare Advantage plan in Cascade?

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Who is eligible for Medicare Advantage plans in Cascade?

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Can I buy a Medicare Advantage plan in Cascade?

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What is the best time to enroll in a Medicare Advantage plan in Cascade?

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Can I enroll in a Medicare Advantage plan anytime?

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What is the best Medicare Advantage plan in Cascade?

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How much does a Medicare Advantage plan cost in Cascade?

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How much does Medicare cost in Cascade?

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What is the difference between a Medicare Advantage and Medicare Supplement?

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Can I switch Medicare Advantage plans in Cascade?

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Can I keep my Medicare Advantage plan if I move to a different city in Maryland?

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Is Humana Gold Plus a Medicare Advantage plan?

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Does Medicare Advantage cover dental in Cascade?

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How to choose a Medicare Advantage plan in Cascade?

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Is Humana Choice PPO a Medicare Advantage plan?

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Does Medicare Advantage cover hearing aids in Cascade?

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How to compare Medicare Advantage plans in Cascade?

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Is Medicare Part C the same as Medicare Advantage?

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What doctors near me accept Medicare in Cascade?

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How do I compare Medicare Advantage plans in Cascade, Maryland?

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Where can I get more information about Medicare Advantage plans in Cascade, Maryland?

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Medicare Part D plans may be available in the following zip codes in the Cascade, Maryland. 21719

Sources:

“Explore your Medicare coverage options.” Medicare.gov.

“MA State/County Penetration.” CMS.gov.

“Monthly MA Enrollment by State/County/Contract.” CMS.gov.7

“Prescription Drug Coverage - General Information.” CMS.gov.

“VA healthcare and other insurance.” U.S. Department of Veterans Affairs (VA.gov).

Last updated: December 11, 2025

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Speak to a licensed agent (M-F 9am - 5pm)

1-888-813-8911 1-888-813-8911