Best Medicare Advantage Plans in Clark County, IN for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Clark 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.
Clark County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage from UHC IN-13 (HMO-POS)UnitedHealthcare · HMO-POS20 of 92 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 2 | Anthem Medicare Advantage 6 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS42 of 92 counties · drug deductible $595Dental up to $1,500/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $140/yr | $35 | $4,450 | $4,870 | Too new to rate |
| 3 | DEVOTED CHOICE 008 IN (PPO)Devoted Health · PPO17 of 92 counties · drug deductible $650Dental up to $4,000/yr · eyewear $300/yr · OTC items $340/yr | $0 | $4,900 | $4,900 | Not rated |
| 4 | Anthem Extra Help (HMO-POS)Anthem HealthKeepers · HMO-POS87 of 92 counties · drug deductible $700Dental up to $3,000/yr · eyewear $225/yr · hearing aids $2,000/yr | $17 | $4,900 | $5,104 | 3★ |
| 5 | Essence Advantage (HMO)Essence Healthcare · HMO9 of 92 counties · drug deductible $340Dental up to $2,400/yr · eyewear $200/yr · hearing aids $1,000/yr · OTC items $120/yr | $0 | $5,400 | $5,400 | 4★ |
| 6 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS90 of 92 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $5,900 | $5,900 | 3★ |
| 7 | Wellcare Simple Open (PPO)Wellcare · PPO90 of 92 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $6,200 | $6,200 | 2.5★ |
| 8 | DEVOTED CHOICE GIVEBACK EXTRAS 026 IN (PPO)Devoted Health · PPO17 of 92 counties · drug deductible $700Part B giveback $90/mo · Dental up to $4,250/yr · eyewear $350/yr · OTC items $708/yr | $0−$90 Part B giveback | $7,500 | $6,420 | Not rated |
| 9 | AARP Medicare Advantage from UHC IN-0003 (PPO)UnitedHealthcare · PPO20 of 92 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $44 | $5,900 | $6,428 | 4★ |
| 10 | HumanaChoice H5216-226 (PPO)Humana · PPO1 of 92 counties · drug deductible $700Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$10 Part B giveback | $6,600 | $6,480 | 4★ |
| 11 | AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS)UnitedHealthcare · HMO-POS68 of 92 counties · drug deductible $685Part B giveback $47/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$47 Part B giveback | $7,150 | $6,586 | 3.5★ |
| 12 | Humana Gold Plus H5619-188 (HMO)Humana · HMO2 of 92 counties · drug deductible $0Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,700 | $6,700 | 4★ |
| 13 | HumanaChoice H5216-463 (PPO)Humana · PPOAll 92 counties · drug deductible $500Dental up to $3,000/yr · eyewear $350/yr | $43 | $6,350 | $6,866 | 4★ |
| 14 | AARP Medicare Advantage from UHC IN-0009 (PPO)UnitedHealthcare · PPO20 of 92 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 15 | Anthem Medicare Advantage 7 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS42 of 92 counties · drug deductible $595Dental up to $500/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 16 | Humana Value Choice (PPO)Humana · PPO2 of 92 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 17 | HumanaChoice H5216-317 (PPO)Humana · PPO2 of 92 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 18 | HumanaChoice H5216-019 (PPO)Humana · PPO44 of 92 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr | $34 | $6,800 | $7,208 | 4★ |
| 19 | Anthem Medicare Advantage (PPO)Anthem Blue Cross and Blue Shield · PPO87 of 92 counties · drug deductible $95Dental up to $2,750/yr · eyewear $300/yr · hearing aids $1,500/yr | $45 | $6,750 | $7,290 | 3.5★ |
| 20 | Anthem Medicare Advantage 2 (PPO)Anthem Blue Cross and Blue Shield · PPO72 of 92 counties · drug deductible $250Dental up to $1,500/yr · eyewear $200/yr · hearing aids $2,000/yr | $50 | $6,750 | $7,350 | 3.5★ |
| 21 | Anthem Medicare Advantage 3 (PPO)Anthem Blue Cross and Blue Shield · PPO68 of 92 counties · drug deductible $150Dental up to $1,800/yr · hearing aids $2,000/yr | $68 | $6,750 | $7,566 | 3.5★ |
| 22 | HumanaChoice H5216-188 (PPO)Humana · PPO3 of 92 counties · drug deductible $700Dental up to $3,500/yr · eyewear $100/yr | $45 | $7,150 | $7,690 | 4★ |
| 23 | DEVOTED CHOICE GIVEBACK 009 IN (PPO)Devoted Health · PPO17 of 92 counties · drug deductible $461Part B giveback $158.10/mo · Dental up to $250/yr · eyewear $200/yr | $0−$158.10 Part B giveback | $9,850 | $7,953 | Not rated |
| 24 | Humana Essentials Plus Giveback (PPO)Humana · PPO3 of 92 counties · drug deductible $700Part B giveback $126/mo · Dental up to $500/yr · eyewear $100/yr | $0−$126 Part B giveback | $9,850 | $8,338 | 4.5★ |
| 25 | HumanaChoice Giveback H5216-322 (PPO)Humana · PPO3 of 92 counties · drug deductible $700Part B giveback $126/mo · Dental up to $500/yr · eyewear $100/yr | $0−$126 Part B giveback | $9,850 | $8,338 | 4★ |
| 26 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 92 counties · drug deductible $700Part B giveback $124/mo · Dental up to $500/yr · eyewear $100/yr | $0−$124 Part B giveback | $9,850 | $8,362 | 4.5★ |
| 27 | Wellcare Giveback Open (PPO)Wellcare · PPO90 of 92 counties · drug deductible $700Part B giveback $39.50/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $350/yr per ear · OTC items $180/yr | $0−$39.50 Part B giveback | $9,850 | $9,376 | 2.5★ |
| 28 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS42 of 92 counties · drug deductible $150Preventive dental · eyewear $200/yr · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 29 | Essence Advantage Choice (PPO)Essence Healthcare · PPO9 of 92 counties · drug deductible $700Dental up to $475/yr · eyewear $175/yr | $39 | $9,850 | $10,318 | 4★ |
| 30 | HumanaChoice R0110-012 (Regional PPO)Humana · Regional PPOAll 92 counties · drug deductible $450Dental · eyewear $100/yr | $68 | $9,850 | $10,666 | 3.5★ |
| 31 | Anthem Medicare Advantage (Regional PPO)Anthem Blue Cross and Blue Shield · Regional PPOAll 92 counties · drug deductible $45Preventive dental · hearing aids $2,000/yr · OTC items $140/yr | $123 | $9,250 | $10,726 | 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: 38 in 2026, 37 in 2027.
- $0-premium plans: 25 in 2026, 25 in 2027.
- Median in-network out-of-pocket maximum: $6,600 in 2026, $7,150 in 2027.
- 7,730 people here were in a general-audience Advantage plan in October 2026; 675 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: HumanaChoice R0110-011 (Regional PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO), Anthem Veteran (PPO).
Questions
How many Medicare Advantage plans are in Clark County for 2027?
31 general-audience plans with drug coverage, 19 of them with a $0 monthly premium, compared with 38 plans and 25 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Clark County?
AARP Medicare Advantage from UHC IN-13 (HMO-POS) from UnitedHealthcare: $0 a month with an in-network out-of-pocket maximum of $4,450, so at most about $4,450 for the year in premiums and in-network costs.
Do any Clark County plans have a Part B giveback?
8 do. The largest is $158.10 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 009 IN (PPO).
How many Clark County plans have 4 or more stars?
14 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
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