Best Medicare Advantage Plans in Champaign County, IL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Champaign 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.
Champaign County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice Giveback H5216-403 (PPO)Humana · PPO87 of 102 counties · drug deductible $700Part B giveback $51/mo · Dental up to $2,500/yr · eyewear $100/yr | $0−$51 Part B giveback | $5,000 | $4,388 | 4★ |
| 2 | HumanaChoice Giveback H7617-013 (PPO)Humana · PPO85 of 102 counties · drug deductible $700Part B giveback $51/mo · Dental up to $2,500/yr · eyewear $100/yr | $0−$51 Part B giveback | $5,000 | $4,388 | 4.5★ |
| 3 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO7 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 4 | Wellcare Simple Essential (HMO)Wellcare · HMO101 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 3.5★ |
| 5 | Wellcare Simple Value (HMO-POS)Wellcare · HMO-POS90 of 102 counties · drug deductible $700Dental up to $1,500/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $5,500 | $5,500 | 3★ |
| 6 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO37 of 102 counties · drug deductible $700Dental up to $1,500/yr · eyewear $400/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $58 | $4,900 | $5,596 | 4★ |
| 7 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO37 of 102 counties · drug deductible $700Dental up to $500/yr · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 8 | AARP Medicare Advantage from UHC IA-0002 (HMO-POS)UnitedHealthcare · HMO-POS67 of 102 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $49 | $5,900 | $6,488 | 4★ |
| 9 | HumanaChoice H5216-399 (PPO)Humana · PPO87 of 102 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $33 | $6,250 | $6,646 | 4★ |
| 10 | Wellcare Giveback (HMO)Wellcare · HMO101 of 102 counties · drug deductible $700Part B giveback $37/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$37 Part B giveback | $7,800 | $7,356 | 3.5★ |
| 11 | AARP Medicare Advantage from UHC IL-6 (PPO)UnitedHealthcare · PPO56 of 102 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $59 | $6,700 | $7,408 | 4★ |
| 12 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 102 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 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: 16 in 2026, 17 in 2027.
- $0-premium plans: 13 in 2026, 12 in 2027.
- Median in-network out-of-pocket maximum: $5,100 in 2026, $5,900 in 2027.
- 9,453 people here were in a general-audience Advantage plan in October 2026; 1,163 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: Aetna Medicare Eagle (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No Rx IL-MA01 (PPO), Humana USAA Honor Giveback (Regional PPO).
Questions
How many Medicare Advantage plans are in Champaign County for 2027?
12 general-audience plans with drug coverage, 7 of them with a $0 monthly premium, compared with 16 plans and 13 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Champaign County?
HumanaChoice Giveback H5216-403 (PPO) from Humana: $0 a month with an in-network out-of-pocket maximum of $5,000, so at most about $4,388 for the year in premiums and in-network costs.
Do any Champaign County plans have a Part B giveback?
3 do. The largest is $51 a month off your Part B premium, from HumanaChoice Giveback H5216-403 (PPO).
How many Champaign County plans have 4 or more stars?
7 of 12, 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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