Table of Contents

Medicare Plans by State

STATE -Select-
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Page Reviewed / Updated – December 23, 2023

Medicare Advantage, or Medicare Part C, is a type of health insurance plan offered by private companies as an alternative to the Original Medicare program, also known as Medicare Parts A and B. Although technically a private option, Medicare Advantage plans are available at subsidized prices and must adhere to federal guidelines. They also cover the same services as Original Medicare, including hospital stays and outpatient care, but generally offer additional benefits, such as vision, hearing and dental coverage, wellness programs and support with prescription drug costs.

Medicare Advantage Plans often operate under a network-based structure, offering beneficiaries the choice between Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and other plan types. Those enrolled in HMOs choose a primary care physician and have access to lower costs within a network of doctors and hospitals. PPOs offer more flexibility to see out-of-network providers, but at the expense of higher costs. Less popular options include Medical Savings Account (MSA) plans, which combine a health insurance policy with high deductibles and a savings account with tax advantages, and Special Needs Medicare (SNP) plans, designed to provide specialized health care coverage for individuals with specific conditions, such as diabetes and certain types of cancer.

As of 2023, about 49,190 adults in Vermont have enrolled in Medicare Advantage Plans, which amounts to only 31% of residents who are eligible for Medicare coverage, well below the average national enrollment rate of 48%. This is rapidly changing, however; compared to 2022, 14% more residents enrolled in Medicare Advantage in the state during 2023, which is higher than the U.S. increase of 7%.

Seniors can use this guide to learn more about the Medicare Advantage Plans available to them in Vermont. It includes eligibility requirements, coverage options, enrollment periods and practical advice to find the right policy for their needs.

The Top Medicare Advantage Plans in Vermont

The table below lists the top six Medicare Advantage providers available to Vermont residents. Companies are ranked based on the total number of enrolled beneficiaries as of 2023.

To help retirees choose a high-quality provider which caters to their needs, the table assigns each company a quality star rating between one and five, which is based on annually updated satisfaction surveys. It also provides a price range, so seniors know in advance which plans best fit their budget.

For up-to-date information about Medicare Advantage options in Vermont, residents can use Medicare’s plan comparison tool.



Medicare Star Rating

Monthly Cost Range

Plan Types




$0 – $60


Vermont Blue Advantage



$0 – $59





$0 – $130


Aetna Medicare



$40 – $17





$0 – $0





$0 – $58


How Medicare Advantage Plans Work in Vermont

Before switching to or enrolling in a Medicare Advantage Plan, it’s helpful for seniors to know how Part C works in Vermont. First, they should decide which of the main coverage categories are right for their needs: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Special Needs Plans (SNPs) or Private Fee-for-Service (PFFS). The graphic below lists details about how much these plans cost and what they cover. 

Medicare Advantage Plan Types Graphic

What Medicare Advantage Plans Cover in Vermont

Medicare requires private insurance companies offering Medicare Advantage plans to cover the same service offered by Original Medicare like hospital care, preventative screenings and durable medical equipment. One exception is hospice care, which is not covered by Medicare Advantage, but by Medicare Part A. In addition to the benefits included in Original Medicare Parts A and B, these plans can also cover dental, vision, hearing aids, prescription drugs and other health care products and services seniors commonly need. Some plans may even cover fitness club memberships and other health and wellness programs. 

Coverage Available With Medicare Parts A & B?

Coverage Available With Medicare Advantage?

Preventive Screenings



Hospital Care



Durable Medical Equipment



Prescription Drugs



Vision Care



Dental Care



Hearing Aids



*Select plans offer this coverage

** Most plans offer this coverage

Eligibility for Medicare Advantage in Vermont

Medicare Advantage has many of the same eligibility requirements as Original Medicare. To start, the applicant must already have Medicare Parts A and B. This requirement means they must be aged 65 and older or have a qualifying disability or end-stage renal disease. In addition, they must be a Vermont resident living in a community where Medicare Advantage providers offer coverage. Seniors are automatically eligible for Medicare Advantage if they are already receiving Social Security benefits or Railroad Retirement benefits. To sign up for a plan, residents must enroll during specific times of the year, which are listed below.

  • Initial Coverage Election Period: This is the initial 7-month period, coinciding with one’s 65th birthday, during which everyone is eligible to enroll in a Medicare Advantage plan.
  • Annual Election Period (AEP): Also referred to as the Open Enrollment Period, this the time of year when anyone over 65 can enroll in Medicare Advantage for the first time or change to a new plan.
  • Medicare Advantage Open Enrollment Period: During this period, those who are already enrolled in Medicare Advantage can switch to a different plan or switch back to Original Medicare.

Start Date

End Date

Initial Coverage Election

3 Months Before One’s
65th Birth Month

3 Months After One’s
65th Birth Month

Annual Election Period

October 15th

December 7th

Medicare Advantage Open
Enrollment Period

January 1st

March 31st

Additionally, Medicare Advantage plan participants can change their plan outside of these enrollment periods under certain qualifying circumstances, such as moving to a new state.

How to Find & Choose a Medicare Advantage Plan in Vermont

Navigating the many intricacies of Medicare Advantage plan types, insurers, and the specific plan options available by region can be a difficult and time-consuming task. Below are several resources we’ve created to help you through the process.

First is a downloadable PDF that you can use as a guide to help you compare plans as you research. Finally, we have listed a number of organizations that you can contact with experts that will help you determine whether Medicare Advantage is right for you and what plans you should consider.

Choose a Medicare Advantage Plan

State-Wide Medicare Advantage Resources

Vermont State Health Insurance Program

Vermont’s State Health Insurance Program is a free counseling service available to provide information, support and assistance to eligible seniors seeking Medicare coverage. Seniors can call with questions and concerns about choosing a Medicare plan and receive confidential and unbiased information and resources. Counseling extends to both private and public insurance options, as well as supplemental policies and long-term care insurance. SHIP can also help those using Medicaid or VPharm to coordinate coverage. This service is organized through Vermont’s Area Agencies on Aging and is available to all seniors eligible for Medicare, as well as their family members and caregivers.

Contact Info

The State Health Insurance Program can be reached at 800-642-5119 or through any local branch of Vermont’s Area Agencies on Aging.

Visit Website
Vermont Health Connect

Vermont Health Connect is Vermont’s health insurance marketplace, serving all qualified individuals as well as seniors in need of Medicare or Medicaid support. Seniors can browse their options using the plan comparison tools or call to find out about plans and benefits. Vermont Health Connect’s services are free to use and are available on a daily basis to answer insurance questions and help Vermont residents enroll in insurance plans. Those who want who meet with someone from VHC in person can do so in locations situated regionally throughout the state.

Contact Info

Seniors interested in the resources of Vermont Health Connect can browse plan data on the agency website or call toll-free at 1-855-899-9600.

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Vermont Legal Help

Vermont Legal Aid is a nonprofit organization that provides fair and unbiased legal support for low-income citizens of the state of Vermont. In addition to more standard civil legal services, Vermont Legal Aid also offers Medicare support, including a comprehensive FAQ page on its website and access to a help line. Seniors with questions about Medicare, those who would like to connect to additional Medicare resources or those who have other general legal questions about Medicare coverage can call to receive custom support from a legal perspective.

Contact Info

Vermont Legal Aid can be reached at the toll-free help line number, 1-800-917-7787, or through the organization’s online Help Request Form.

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Green Mountain Care

Green Mountain Care is a division of Health Access Member Services of the Department of Vermont Health Access. Its focus is on connecting low-income individuals with cost-saving opportunities. For seniors on Medicare who are having trouble affording benefits or who need other forms of financial assistance, Green Mountain Care can provide information about options such as Medicaid and prescription drug cost aid. In addition, the organization can connect seniors with other financial assistance programs, such as meal assistance, live-in caregiver resources and access to basic health screening to make getting health care with Medicare more affordable. Green Mountain Care is available to anyone who qualifies for Medicaid, including seniors on Medicare looking for additional resources.

Contact Info

Green Mountain Care can be reached by phone at 1-800-250-8427 or online using the help request form.

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Local Medicare Advantage Resources

Central Vermont Council on Aging

The Central Vermont Council on Aging is one of Vermont’s Area Agencies on Aging serving the Central Vermont region, including the capital of Montpelier. For people living in this area, numerous Medicare counseling resources are available. In addition to offering support through the State Health Insurance Program, CVOCA also hosts in-person Medicare & You information sessions on a regular basis at locations throughout Central Vermont. Currently, sessions are also being held over the Zoom video call platform, allowing seniors from all over the state to participate. In addition, CVOCA offers Part D prescription drug counseling services from October to December each year. The Central Vermont Council on Aging is available for all seniors living in the Central Vermont region as well as those living throughout the state for virtual information sessions.

Contact Info

Seniors can contact the Central Vermont Council on Aging by phone at 802-479-0531 to schedule Zoom workshop meetings and Medicare Part D counseling sessions. The Council also provides a website help form. The senior help line number is 1-800-642-5119.

Visit Website
Senior Solutions

An invaluable resource for seniors in Southeastern Vermont, including Windham and Windsor counties, Senior Solutions is one of Vermont’s Area Agencies on Aging. Offering extensive options for seniors, Senior Solution’s main benefit is its comprehensive help line service. Using a thorough Medicare planning option, the representatives at Senior Solutions can offer free and unbiased counseling services to empower seniors making Medicare decisions. Counseling includes private and public plan options, like Medicare Advantage and Original Medicare. Senior Solutions can also connect seniors with other necessary resources, including Medicaid, day programs, home health resources, transportation options, Meals on Wheels, prescription assistance programs and Social Security. Senior Solutions is available to all seniors living in the Southern Vermont area.

Contact Info

Seniors can reach the Senior Solutions help line at 802-885-2669 or toll-free at 1-866-673-8376. General contact with the organization is available at 802-885-2655 or via email at [email protected].