Best Medicare Advantage Plans in Sebastian County, AR for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Sebastian County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Sebastian County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Essence Advantage (HMO)Essence Healthcare · HMO17 of 75 counties · drug deductible $450Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $80/yr | $0 | $4,000 | $4,000 | 4★ |
| 2 | Healthy Arkansas Premier Advantage (HMO-POS)Healthy Arkansas, Inc. · HMO-POS35 of 75 counties · drug deductible $0Part B giveback $5/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,950/yr · OTC items $300/yr | $0−$5 Part B giveback | $4,600 | $4,540 | Too new to rate |
| 3 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS4 of 75 counties · drug deductible $400Dental up to $2,000/yr · eyewear $225/yr · hearing aids $500/yr per ear · OTC items $240/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 4 | Humana Total Complete (HMO-POS)Humana · HMO-POS52 of 75 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $0 | $4,900 | $4,900 | 4★ |
| 5 | HumanaChoice H5216-231 (PPO)Humana · PPO57 of 75 counties · drug deductible $520Dental up to $1,250/yr · eyewear $200/yr | $0 | $4,900 | $4,900 | 4★ |
| 6 | Healthy Arkansas Preferred (PPO)Healthy Arkansas, Inc. · PPO35 of 75 counties · drug deductible $0Part B giveback $105/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,950/yr · OTC items $180/yr | $0−$105 Part B giveback | $6,200 | $4,940 | Too new to rate |
| 7 | Humana Value Choice (PPO)Humana · PPO58 of 75 counties · drug deductible $520Dental up to $1,000/yr · eyewear $200/yr | $0 | $5,650 | $5,650 | 4.5★ |
| 8 | HumanaChoice H5216-337 (PPO)Humana · PPO58 of 75 counties · drug deductible $520Dental up to $1,000/yr · eyewear $200/yr | $0 | $5,650 | $5,650 | 4★ |
| 9 | HealthSpring Preferred (HMO)HealthSpring · HMO12 of 75 counties · drug deductible $500Dental up to $1,900/yr · eyewear $100/yr · OTC items $120/yr | $0 | $6,000 | $6,000 | 3.5★ |
| 10 | AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,100 | $6,100 | 3.5★ |
| 11 | AARP Medicare Advantage from UHC AR-0004 (PPO)UnitedHealthcare · PPO74 of 75 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 12 | Aetna Medicare Signature Extra Plus (PPO)Aetna Medicare · PPO4 of 75 counties · drug deductible $600Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,500 | $6,500 | 4★ |
| 13 | AARP Medicare Advantage from UHC AR-0002 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Dental up to $2,500/yr · eyewear $125/yr · hearing aids $700/yr | $49 | $6,100 | $6,688 | 3.5★ |
| 14 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO21 of 75 counties · drug deductible $600Dental up to $3,000/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $680/yr | $0 | $6,750 | $6,750 | 4★ |
| 15 | Aetna Medicare Elite Classic (PPO)Aetna Medicare · PPO21 of 75 counties · drug deductible $600Dental up to $3,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $540/yr | $0 | $6,750 | $6,750 | 4★ |
| 16 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS13 of 75 counties · drug deductible $400Dental up to $3,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $300/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 17 | Humana Essentials Plus Giveback (PPO)Humana · PPO65 of 75 counties · drug deductible $700Part B giveback $93/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$93 Part B giveback | $7,925 | $6,809 | 4.5★ |
| 18 | HumanaChoice Giveback H5216-264 (PPO)Humana · PPO65 of 75 counties · drug deductible $700Part B giveback $91/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$91 Part B giveback | $7,925 | $6,833 | 4★ |
| 19 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS52 of 75 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,100 | $7,100 | 3★ |
| 20 | AARP Medicare Advantage Extras from UHC AR-7 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Dental up to $2,500/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 21 | BlueMedicare Classic Plus (HMO)Arkansas Blue Medicare · HMO23 of 75 counties · drug deductible $560Dental up to $3,000/yr · eyewear $150/yr · hearing aids $333/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 22 | BlueMedicare Premier (HMO)Arkansas Blue Medicare · HMO30 of 75 counties · drug deductible $560Dental up to $3,000/yr · eyewear $150/yr · hearing aids $333/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 2.5★ |
| 23 | HumanaChoice H5216-083 (PPO)Humana · PPO53 of 75 counties · drug deductible $700Dental up to $1,750/yr · eyewear $200/yr | $59 | $6,900 | $7,608 | 4★ |
| 24 | Aetna Medicare Signature Classic Giveback (PPO)Aetna Medicare · PPO9 of 75 counties · drug deductible $600Part B giveback $68/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$68 Part B giveback | $9,250 | $8,434 | 4★ |
| 25 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO9 of 75 counties · drug deductible $600Part B giveback $68/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$68 Part B giveback | $9,250 | $8,434 | 4★ |
| 26 | BlueMedicare Preferred (PFFS)Arkansas Blue Medicare · PFFS39 of 75 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · OTC items $100/yr | $78 | $7,500 | $8,436 | 3★ |
| 27 | HealthSpring True Choice (PPO)HealthSpring · PPO12 of 75 counties · drug deductible $700Dental up to $600/yr · eyewear $100/yr | $0 | $9,000 | $9,000 | 3★ |
| 28 | AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Part B giveback $67/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$67 Part B giveback | $9,850 | $9,046 | 3.5★ |
| 29 | HumanaChoice R1532-002 (Regional PPO)Humana · Regional PPOAll 75 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $119 | $7,700 | $9,128 | 3.5★ |
| 30 | Aetna Medicare Signature Classic Plus (PPO)Aetna Medicare · PPO39 of 75 counties · drug deductible $600Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,250 | $9,250 | 4★ |
| 31 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO39 of 75 counties · drug deductible $600Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,250 | $9,250 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 35 in 2026, 40 in 2027.
- $0-premium plans: 28 in 2026, 35 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $6,750 in 2027.
- 8,252 people here were in a general-audience Advantage plan in October 2026; 95 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), HealthSpring Courage (HMO), AARP Medicare Advantage Patriot No Rx AR-MA01 (HMO-POS), Humana USAA Honor Giveback (Regional PPO), Aetna Medicare Eagle Classic Giveback (PPO), Aetna Medicare Eagle Giveback (PPO), BlueMedicare Value (PFFS), Humana Gold Choice H8145-126 (PFFS).
Questions
How many Medicare Advantage plans are in Sebastian County for 2027?
31 general-audience plans with drug coverage, 27 of them with a $0 monthly premium, compared with 35 plans and 28 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Sebastian County?
Essence Advantage (HMO) from Essence Healthcare: $0 a month with an in-network out-of-pocket maximum of $4,000, so at most about $4,000 for the year in premiums and in-network costs.
Do any Sebastian County plans have a Part B giveback?
7 do. The largest is $105 a month off your Part B premium, from Healthy Arkansas Preferred (PPO).
How many Sebastian County plans have 4 or more stars?
15 of 31, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
Keep going
- All Arkansas Medicare Advantage plans →
- Best Part D plans in Arkansas →
- HMO vs. PPO and star ratings →
Other Arkansas counties
Benton County · Craighead County · Faulkner County · Garland County · Pulaski County · Saline County · Washington County