• MVP offers Medicare Advantage plans to residents of New York and Vermont.
  • MVP offers both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans.
  • MVP plans include Part D coverage.
  • MVP plans include extra coverage for things like fitness, hearing aids, telehealth, and more.

MVP is a health insurance provider offering commercial and Medicare Advantage plans to residents of New York and Vermont. The company serves more than 700,000 customers, with plans that are highly rated by both Medicare and by the National Committee for Quality Assurance.

In 2020, MVP offers Medicare Advantage plans in both HMO and PPO format. These plans include extra coverage for services like telehealth, fitness, and prescription drugs.

MVP offers Medicare Advantage plans in multiple counties in both New York and Vermont.

In New York, MVP plans are open to residents of these counties:

  • Albany
  • Broome
  • Cayuga
  • Chenango
  • Chemung
  • Clinton
  • Columbia
  • Cortland
  • Delaware
  • Essex
  • Franklin
  • Fulton
  • Greene
  • Hamilton
  • Herkimer
  • Jefferson
  • Lewis
  • Madison
  • Montgomery
  • Oneida
  • Onondaga
  • Oswego
  • Otsego
  • Rensselaer
  • Saratoga
  • Schenectady
  • Schoharie
  • Schuyler
  • Steuben
  • St. Lawrence
  • Tioga
  • Tompkins
  • Warren
  • Washington

In Vermont, MVP plans are available to residents of these counties:

  • Addison
  • Bennington
  • Caledonia
  • Chittenden
  • Essex
  • Franklin
  • Grand Isle
  • Lamoille
  • Orange
  • Orleans
  • Rutland
  • Washington
  • Windham
  • Windsor

MVP offers both PPO and HMO Medicare Advantage plans. Not all plans are available in all counties.

MVP Medicare Advantage HMO plans

A Health Maintenance Organization (HMO) is a common health insurance plan type. HMO plans work with a network of providers for coverage.

This means you’ll need to see doctors, therapists, and other providers who are part of your plan’s network. If you visit an out-of-network provider, your service might not be covered, unless it’s a medical emergency.

HMOs also typically ask you to select a primary care provider (PCP). In some cases, you might need your PCP to make referrals for the other services; however, no MVP plans require a referral for specialists.

Most HMOs offered by MVP are HMO Point of Service (HMO-POS) plans. An HMO-POS is a standard HMO, but with a few additional options for coverage. This plan type allows more flexibility than a traditional HMO, with no need for referrals and the ability to see out-of-network providers in some cases.

MVP Medicare Advantage PPO plans

MVP also offers Preferred Provider Organization (PPO) plans. Like an HMO, a PPO has a network. Unlike with an HMO, you’ll be able to see providers outside of that network.

With a PPO, you’ll pay a lower price to see in-network providers. You’ll able to see out-of-network providers, but it’ll come at a higher cost. For example, your copay for an in-network doctor’s visit might be $10, but your copay for an out-of-network doctor’s visit might be $50.

MVP doesn’t offer separate Part D (prescription drug) plans. So, while all of MVP’s Advantage plans include Part D coverage, you can’t buy a separate Part D plan through MVP. Instead, it’s bundled into your Advantage plan.

The MVP Advantage plans available to you will depend on your county. Yet all MVP plans cover multiple services and benefits. These services go beyond the standard services that Medicare requires all Advantage plans to cover.

In 2020, these include:

  • emergency out-of-network care
  • emergency care out of the country
  • free preventive care, including screenings and vaccinations
  • free membership to SilverSneakers
  • free meal delivery after hospital stays
  • hearing aid discounts
  • ability to earn a rewards gift card for completing health and wellness activities
  • $0 copays on all generic drugs
  • $0 copays for telehealth visits through MyVisitNow
  • free health management services, including prescription reviews and wellness programs

The cost of your plan will depend on your county and the plan you choose. Keep in mind that the premium per month will be in addition to the standard Part B premium. In 2020, the Part B premium is $144.60.

Some sample plans from covered counties can be seen in the table below.

LocationAdvantage planMonthly premium*
Cayuga County, NYMVP WellSelect with Part D (PPO)$0
MVP GoldSecure with Part D (HMO-POS)$39
MVP GoldValue with Part D (HMO-POS) $89
MVP Gold PPO with Part D (PPO)
MVP Preferred Gold without Part D (HMO-POS)$62
MVP Preferred Gold (HMO-POS) with Part D$139
Erie County, NYMVP GoldSecure with Part D (HMO-POS) $25
MVP WellSelect with Part D (PPO) $79
MVP Preferred Gold without Part D (HMO-POS)$115
MVP Preferred Gold with Part D (HMO-POS) $210
Orleans County, VTMVP WellSelect with Part D (PPO) $0
MVP GoldSecure with Part D (HMO-POS) $39
MVP GoldValue with Part D (HMO-POS) $89
MVP Gold PPO with Part D (PPO) $115
MVP Preferred Gold without Part D (HMO-POS)$62
MVP Preferred Gold with Part D (HMO-POS) $139

Medicare Advantage is also known as Medicare Part C. Advantage plans are offered by insurance companies, like MVP, that contract with Medicare.

These plans are required to offer the same coverage as Medicare Part A (hospital insurance) and Medicare Part B (health insurance). Parts A and B together are often known as original Medicare. This coverage includes:

  • hospital stays
  • hospice care
  • home health care
  • doctor’s visits
  • ambulance rides
  • ER and urgent care visits
  • medical equipment
  • physical, occupational, and speech therapy visits
  • preventive care, such as vaccines and screenings

All Advantage plans cover these services and take the place of original Medicare. Many companies include additional coverage with their Advantage plans, similar to the MVP coverage discussed earlier.

Advantage plans also have their own costs. This includes premiums, deductibles, copayments, and coinsurance amounts.

Unlike original Medicare, which is the same nationwide, Advantage plans are specific to where you live. Some insurance companies offer Advantage plans in only a few states.

Others may cover several states but have different plans in each. You can compare plans in your area using the Medicare plan finder tool.

Medicare Part D is prescription drug coverage. Original Medicare doesn’t include coverage for most prescriptions. So, purchasing a separate Part D plan to use alongside your original Medicare coverage can help cover the costs.

Like Advantage plans, Part D plans are offered by private companies. You’ll pay an additional premium for Part D coverage.

Part D plans generally have a network. This means you’ll need to use pharmacies that are part of that network in order to get coverage.

Plans also have what is called a formulary. A formulary is a list of prescriptions covered by the plan. For example, your plan’s formulary may include the generic form of a medication, but not the brand name.

If you use the Medicare website to shop for Part D plans, you can enter your current pharmacy and medications you take. The website will then show you only plans that include your pharmacy in their network and have formularies that include your prescriptions.

MVP offers HMO and PPO Medicare Advantage plans to residents of New York and Vermont. The plans include Part D coverage and come with extra coverage for fitness memberships, telehealth, wellness services, and more.

Depending on your county, you can choose MVP plans at a few different price points. The right plan for you will depend on your budget and on your healthcare needs.

The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. Healthline Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. Healthline Media does not recommend or endorse any third parties that may transact the business of insurance.