Best Medicare Advantage Plans in Sussex County, DE for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Sussex 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.
Sussex County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice H5216-390 (PPO)Humana · PPOAll 3 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $7.90 | $5,900 | $5,995 | 4★ |
| 2 | AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS)UnitedHealthcare · HMO-POSAll 3 counties · drug deductible $595Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,400 | $6,400 | 4★ |
| 3 | AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS)UnitedHealthcare · HMO-POSAll 3 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 4 | Aetna Medicare Advantra Signature (HMO)Aetna Medicare · HMOAll 3 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 5 | AARP Medicare Advantage from UHC DE-0001 (PPO)UnitedHealthcare · PPOAll 3 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $23 | $7,150 | $7,426 | 4★ |
| 6 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMOAll 3 counties · drug deductible $400Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $240/yr | $59 | $7,150 | $7,858 | 3.5★ |
| 7 | AARP Medicare Advantage from UHC DE-0002 (PPO)UnitedHealthcare · PPOAll 3 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $68 | $7,150 | $7,966 | 4★ |
| 8 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 3 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4★ |
| 9 | Humana Essentials Plus Giveback (PPO)Humana · PPO2 of 3 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4.5★ |
| 10 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO2 of 3 counties · drug deductible $700 | $167 | $7,150 | $9,154 | 3★ |
| 11 | HumanaChoice H5216-387 (PPO)Humana · PPOAll 3 counties · drug deductible $600Dental up to $1,000/yr · eyewear $200/yr | $43 | $8,950 | $9,466 | 4★ |
| 12 | Wellcare Simple (HMO-POS)Wellcare · HMO-POSAll 3 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 2.5★ |
| 13 | Aetna Medicare Premier (PPO)Aetna Medicare · PPOAll 3 counties · drug deductible $700Dental up to $1,000/yr · eyewear $275/yr · hearing aids $500/yr per ear · OTC items $140/yr | $106 | $9,850 | $11,122 | 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: 20 in 2026, 17 in 2027.
- $0-premium plans: 14 in 2026, 10 in 2027.
- Median in-network out-of-pocket maximum: $6,725 in 2026, $7,150 in 2027.
- 17,896 people here were in a general-audience Advantage plan in October 2026; 846 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: Freedom Blue PPO Valor (PPO), Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS), Aetna Medicare Advantra Eagle Plus (HMO).
Questions
How many Medicare Advantage plans are in Sussex County for 2027?
13 general-audience plans with drug coverage, 6 of them with a $0 monthly premium, compared with 20 plans and 14 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Sussex County?
HumanaChoice H5216-390 (PPO) from Humana: $7.90 a month with an in-network out-of-pocket maximum of $5,900, so at most about $5,995 for the year in premiums and in-network costs.
Do any Sussex County plans have a Part B giveback?
2 do. The largest is $119 a month off your Part B premium, from Humana Essentials Plus Giveback (PPO).
How many Sussex County plans have 4 or more stars?
9 of 13, 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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