Best Medicare Advantage Plans in Black Hawk County, IA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Black Hawk 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.
Black Hawk County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H0028-053 (HMO)Humana · HMO46 of 99 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $0 | $4,200 | $4,200 | 4.5★ |
| 2 | HumanaChoice Giveback H5216-340 (PPO)Humana · PPO96 of 99 counties · drug deductible $700Part B giveback $63/mo · Dental up to $4,000/yr · eyewear $100/yr | $0−$63 Part B giveback | $5,000 | $4,244 | 4★ |
| 3 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS52 of 99 counties · drug deductible $500Dental up to $750/yr · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $4,450 | $4,450 | 4★ |
| 4 | Aetna Medicare Value Care (HMO-POS)Aetna Medicare · HMO-POS85 of 99 counties · drug deductible $300Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $0 | $4,450 | $4,450 | 4★ |
| 5 | MercyOne Health Plan Plus (HMO)MediGold · HMO57 of 99 counties · drug deductible $400Dental up to $1,000/yr · eyewear $250/yr · OTC items $200/yr | $38 | $4,400 | $4,856 | 3.5★ |
| 6 | MercyOne Health Plan Choice (PPO)MediGold · PPO57 of 99 counties · drug deductible $450Dental up to $1,000/yr · eyewear $150/yr · OTC items $160/yr | $0 | $4,900 | $4,900 | 3★ |
| 7 | MercyOne Health Plan No Premium (HMO)MediGold · HMO57 of 99 counties · drug deductible $500Dental up to $1,000/yr · eyewear $200/yr · OTC items $100/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 8 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS51 of 99 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $1,250/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 9 | AARP Medicare Advantage from UHC IA-0002 (HMO-POS)UnitedHealthcare · HMO-POS47 of 99 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $49 | $5,900 | $6,488 | 4★ |
| 10 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO53 of 99 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 11 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO53 of 99 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 12 | AARP Medicare Advantage from UHC IA-0003 (PPO)UnitedHealthcare · PPO47 of 99 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $45 | $7,150 | $7,690 | 4★ |
| 13 | MercyOne Health Plan Cash Back (HMO)MediGold · HMO57 of 99 counties · drug deductible $375Part B giveback $100/mo · Preventive dental up to $1,000/yr · eyewear $150/yr · OTC items $100/yr | $0−$100 Part B giveback | $8,900 | $7,700 | 3.5★ |
| 14 | Aetna Medicare Enhanced Classic Extra (PPO)Aetna Medicare · PPO85 of 99 counties · drug deductible $700Dental up to $1,250/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $75 | $7,150 | $8,050 | 4★ |
| 15 | Aetna Medicare Enhanced Extra (PPO)Aetna Medicare · PPO85 of 99 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $75 | $7,150 | $8,050 | 4★ |
| 16 | HumanaChoice H5216-014 (PPO)Humana · PPO95 of 99 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $51 | $7,500 | $8,112 | 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: 22 in 2026, 21 in 2027.
- $0-premium plans: 16 in 2026, 15 in 2027.
- Median in-network out-of-pocket maximum: $5,000 in 2026, $6,500 in 2027.
- 7,783 people here were in a general-audience Advantage plan in October 2026; 1,654 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: Humana USAA Honor Giveback (PPO), Aetna Medicare Eagle (HMO-POS), MercyOne Health Plan Glory No RX (HMO), AARP Medicare Advantage Patriot No Rx IA-MA2 (HMO-POS), AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO).
Questions
How many Medicare Advantage plans are in Black Hawk County for 2027?
16 general-audience plans with drug coverage, 10 of them with a $0 monthly premium, compared with 22 plans and 16 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Black Hawk County?
Humana Gold Plus H0028-053 (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,200, so at most about $4,200 for the year in premiums and in-network costs.
Do any Black Hawk County plans have a Part B giveback?
2 do. The largest is $100 a month off your Part B premium, from MercyOne Health Plan Cash Back (HMO).
How many Black Hawk County plans have 4 or more stars?
12 of 16, 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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