Best Medicare Advantage Plans in St. Joseph County, IN for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in St. Joseph 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.
St. Joseph County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H5619-189 (HMO-POS)Humana · HMO-POS43 of 92 counties · drug deductible $600Dental up to $1,000/yr · eyewear $100/yr | $0 | $4,350 | $4,350 | 4★ |
| 2 | DEVOTED CHOICE 005 IN (PPO)Devoted Health · PPO16 of 92 counties · drug deductible $465Dental up to $2,000/yr · eyewear $300/yr · OTC items $400/yr | $0 | $4,800 | $4,800 | Not rated |
| 3 | Anthem Medicare Advantage 6 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS8 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 |
| 4 | AARP Medicare Advantage from UHC IN-0001 (PPO)UnitedHealthcare · PPO13 of 92 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $46 | $4,450 | $5,002 | 4★ |
| 5 | 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★ |
| 6 | AARP Medicare Advantage from UHC IN-0006 (PPO)UnitedHealthcare · PPO13 of 92 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 7 | 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★ |
| 8 | DEVOTED CHOICE PREMIUM 007 IN (PPO)Devoted Health · PPO16 of 92 counties · drug deductible $650Dental up to $3,000/yr · eyewear $400/yr · OTC items $352/yr | $10 | $5,900 | $6,020 | Not rated |
| 9 | 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★ |
| 10 | DEVOTED CHOICE GIVEBACK EXTRAS 025 IN (PPO)Devoted Health · PPO16 of 92 counties · drug deductible $700Part B giveback $90/mo · Dental up to $2,250/yr · eyewear $350/yr · OTC items $296/yr | $0−$90 Part B giveback | $7,350 | $6,270 | Not rated |
| 11 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO11 of 92 counties · drug deductible $500Dental up to $750/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,350 | $6,350 | 4★ |
| 12 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO15 of 92 counties · drug deductible $500Dental up to $2,000/yr · eyewear $125/yr · hearing aids $1,000/yr per ear | $0 | $6,350 | $6,350 | 4★ |
| 13 | 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★ |
| 14 | AARP Medicare Advantage Essentials from UHC IN-11 (HMO-POS)UnitedHealthcare · HMO-POS7 of 92 counties · drug deductible $685Preventive dental · eyewear $100/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 15 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS12 of 92 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $750/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 16 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO19 of 92 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr · hearing aids $750/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 4★ |
| 17 | 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★ |
| 18 | Humana Value Choice (PPO)Humana · PPO66 of 92 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,000 | $7,000 | 4★ |
| 19 | AARP Medicare Advantage Extras from UHC IN-16 (HMO-POS)UnitedHealthcare · HMO-POS12 of 92 counties · drug deductible $685Dental up to $3,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 20 | Anthem Medicare Advantage 7 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS8 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 |
| 21 | Humana Full Access (PPO)Humana · PPO78 of 92 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | DEVOTED CHOICE GIVEBACK 006 IN (PPO)Devoted Health · PPO16 of 92 counties · drug deductible $461Part B giveback $174.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$174.90 Part B giveback | $9,850 | $7,751 | Not rated |
| 27 | 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★ |
| 28 | HumanaChoice Giveback H5216-481 (PPO)Humana · PPO67 of 92 counties · drug deductible $700Part B giveback $123/mo · Dental up to $500/yr · eyewear $100/yr | $0−$123 Part B giveback | $9,850 | $8,374 | 4★ |
| 29 | 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★ |
| 30 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS8 of 92 counties · drug deductible $150Dental up to $1,000/yr · eyewear $100/yr · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 31 | HumanaChoice R0110-012 (Regional PPO)Humana · Regional PPOAll 92 counties · drug deductible $450Dental · eyewear $100/yr | $68 | $9,850 | $10,666 | 3.5★ |
| 32 | 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: 43 in 2026, 39 in 2027.
- $0-premium plans: 29 in 2026, 28 in 2027.
- Median in-network out-of-pocket maximum: $6,550 in 2026, $6,750 in 2027.
- 21,342 people here were in a general-audience Advantage plan in October 2026; 35 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), 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 St. Joseph County for 2027?
32 general-audience plans with drug coverage, 21 of them with a $0 monthly premium, compared with 43 plans and 29 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in St. Joseph County?
Humana Gold Plus H5619-189 (HMO-POS) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,350, so at most about $4,350 for the year in premiums and in-network costs.
Do any St. Joseph County plans have a Part B giveback?
6 do. The largest is $174.90 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 006 IN (PPO).
How many St. Joseph County plans have 4 or more stars?
12 of 32, 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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