Best Medicare Advantage Plans in Arapahoe County, CO for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Arapahoe 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.
Arapahoe County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Perennial Advantage Freedom (HMO-POS)Perennial Advantage · HMO-POS6 of 52 counties · drug deductible $0Dental up to $3,000/yr · eyewear $250/yr · hearing aids $1,350/yr | $0 | $3,500 | $3,500 | Not rated |
| 2 | Kaiser Permanente Senior Advantage Silver DM (HMO-POS)Kaiser Permanente · HMO-POS11 of 52 counties · drug deductible $0Dental up to $1,500/yr · eyewear $300/yr · hearing aids $400/yr per ear · OTC items $100/yr | $48 | $3,600 | $4,176 | 4★ |
| 3 | AARP Medicare Advantage from UHC CO-21P (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $4,200 | $4,200 | 4★ |
| 4 | Kaiser Permanente Senior Advantage Core DM (HMO-POS)Kaiser Permanente · HMO-POS11 of 52 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $300/yr per ear · OTC items $80/yr | $0 | $4,400 | $4,400 | 4★ |
| 5 | AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 4★ |
| 6 | DEVOTED CORE 004 CO (HMO)Devoted Health · HMO11 of 52 counties · drug deductible $465Dental up to $3,500/yr · eyewear $350/yr · OTC items $400/yr | $0 | $4,450 | $4,450 | 4★ |
| 7 | AARP Medicare Advantage from UHC CO-0001 (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 counties · drug deductible $595Dental up to $2,500/yr · eyewear $125/yr · hearing aids $700/yr | $56 | $3,900 | $4,572 | 4★ |
| 8 | Humana Total Complete (HMO)Humana · HMO7 of 52 counties · drug deductible $0Dental up to $2,500/yr · eyewear $100/yr | $0 | $4,750 | $4,750 | 4.5★ |
| 9 | Select Health Medicare Essential (HMO)Select Health · HMO9 of 52 counties · drug deductible $300Dental up to $3,300/yr · eyewear $200/yr · OTC items $80/yr | $0 | $4,900 | $4,900 | 4★ |
| 10 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO5 of 52 counties · drug deductible $400Dental up to $1,250/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0 | $5,000 | $5,000 | 4★ |
| 11 | HumanaChoice H5216-223 (PPO)Humana · PPO40 of 52 counties · drug deductible $300Dental up to $2,500/yr · eyewear $300/yr | $20 | $4,900 | $5,140 | 4★ |
| 12 | HealthSpring Preferred (HMO)HealthSpring · HMO7 of 52 counties · drug deductible $500Dental up to $800/yr · eyewear $125/yr · OTC items $60/yr | $0 | $5,150 | $5,150 | Not rated |
| 13 | Humana Essentials Plus Giveback (HMO)Humana · HMO7 of 52 counties · drug deductible $50Part B giveback $75/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$75 Part B giveback | $6,500 | $5,600 | 4.5★ |
| 14 | Kaiser Permanente Senior Advantage Gold (HMO-POS)Kaiser Permanente · HMO-POS11 of 52 counties · drug deductible $0Dental up to $1,500/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $140/yr | $194 | $3,300 | $5,628 | 4★ |
| 15 | DEVOTED GIVEBACK EXTRAS 019 CO (HMO)Devoted Health · HMO11 of 52 counties · drug deductible $700Part B giveback $90/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $800/yr | $0−$90 Part B giveback | $6,750 | $5,670 | 4★ |
| 16 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO5 of 52 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $100/yr | $0 | $5,900 | $5,900 | 4★ |
| 17 | DEVOTED CHOICE 002 CO (PPO)Devoted Health · PPO11 of 52 counties · drug deductible $650Part B giveback $10/mo · Dental up to $3,000/yr · eyewear $300/yr · OTC items $48/yr | $0−$10 Part B giveback | $6,050 | $5,930 | 3★ |
| 18 | Humana Value Choice (PPO)Humana · PPO8 of 52 counties · drug deductible $425Dental up to $5,000/yr · eyewear $250/yr | $0 | $6,200 | $6,200 | 4★ |
| 19 | Humana Essentials Plus Giveback (PPO)Humana · PPO47 of 52 counties · drug deductible $450Part B giveback $97/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$97 Part B giveback | $7,850 | $6,686 | 4★ |
| 20 | Humana Essentials Plus Giveback (PPO)Humana · PPO7 of 52 counties · drug deductible $450Part B giveback $97/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$97 Part B giveback | $7,850 | $6,686 | 4.5★ |
| 21 | Kaiser Permanente Senior Advantage Bronze DM (HMO-POS)Kaiser Permanente · HMO-POS11 of 52 counties · drug deductible $0Dental up to $2,000/yr · eyewear $225/yr · hearing aids $300/yr per ear · OTC items $140/yr | $0 | $6,800 | $6,800 | 4★ |
| 22 | AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $6,900 | $6,900 | 4★ |
| 23 | Humana Value Choice (PPO)Humana · PPO8 of 52 counties · drug deductible $425Dental up to $3,000/yr · eyewear $100/yr | $0 | $6,900 | $6,900 | 4.5★ |
| 24 | DEVOTED CHOICE GIVEBACK 003 CO (PPO)Devoted Health · PPO39 of 52 counties · drug deductible $461Part B giveback $169/mo · Dental up to $250/yr · eyewear $200/yr | $0−$169 Part B giveback | $8,950 | $6,922 | 3★ |
| 25 | Humana Value Choice (PPO)Humana · PPO21 of 52 counties · drug deductible $400Dental · eyewear $100/yr | $53 | $6,700 | $7,336 | 4★ |
| 26 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO16 of 52 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $18.40 | $7,150 | $7,371 | 4★ |
| 27 | HealthSpring True Choice (PPO)HealthSpring · PPO16 of 52 counties · drug deductible $700 | $0 | $9,500 | $9,500 | 3★ |
| 28 | Elevate Medicare Select (HMO)Elevate Medicare Advantage · HMO4 of 52 counties · drug deductible $300Dental up to $2,000/yr · eyewear $220/yr · hearing aids $500/yr · OTC items $160/yr | $0 | $9,850 | $9,850 | 3.5★ |
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: 40 in 2026, 33 in 2027.
- $0-premium plans: 32 in 2026, 27 in 2027.
- Median in-network out-of-pocket maximum: $5,450 in 2026, $6,050 in 2027.
- 44,833 people here were in a general-audience Advantage plan in October 2026; 1,040 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: AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS), Aetna Medicare Eagle (PPO), Humana USAA Honor Giveback (PPO), Select Health Medicare Veterans (HMO), DEVOTED CHOICE MA ONLY 004 CO (PPO).
Questions
How many Medicare Advantage plans are in Arapahoe County for 2027?
28 general-audience plans with drug coverage, 22 of them with a $0 monthly premium, compared with 40 plans and 32 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Arapahoe County?
Perennial Advantage Freedom (HMO-POS) from Perennial Advantage: $0 a month with an in-network out-of-pocket maximum of $3,500, so at most about $3,500 for the year in premiums and in-network costs.
Do any Arapahoe County plans have a Part B giveback?
6 do. The largest is $169 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 003 CO (PPO).
How many Arapahoe County plans have 4 or more stars?
22 of 28, 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
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