Best Medicare Advantage Plans in Platte County, MO for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Platte 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.
Platte County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $500Dental up to $2,500/yr · eyewear $100/yr | $0 | $2,800 | $2,800 | 4.5★ |
| 2 | Humana Total Complete Giveback (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,000/yr · eyewear $100/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 3 | Humana Total Complete Giveback (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $700Part B giveback $54/mo · Dental up to $3,000/yr · eyewear $100/yr | $0−$54 Part B giveback | $4,200 | $3,552 | 4.5★ |
| 4 | DEVOTED CORE 003 MO (HMO)Devoted Health · HMO27 of 115 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $252/yr | $0 | $3,600 | $3,600 | 4★ |
| 5 | DEVOTED CHOICE 001 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $650Dental up to $3,250/yr · eyewear $400/yr · OTC items $352/yr | $0 | $3,950 | $3,950 | Too new to rate |
| 6 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS8 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $225/yr · hearing aids $1,250/yr per ear · OTC items $280/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 7 | Humana Essentials Plus Giveback (PPO)Humana · PPO6 of 115 counties · drug deductible $700Part B giveback $74/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$74 Part B giveback | $5,250 | $4,362 | 4.5★ |
| 8 | DEVOTED CHOICE GIVEBACK EXTRAS 005 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $700Part B giveback $90/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $400/yr | $0−$90 Part B giveback | $5,450 | $4,370 | Too new to rate |
| 9 | Humana Essentials Plus Giveback (PPO)Humana · PPO6 of 115 counties · drug deductible $700Part B giveback $72/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$72 Part B giveback | $5,250 | $4,386 | 4★ |
| 10 | Humana Value Choice (PPO)Humana · PPO6 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 11 | Humana Value Choice (PPO)Humana · PPO6 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 12 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO8 of 115 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $440/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 13 | AARP Medicare Advantage from UHC KC-0003 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 counties · drug deductible $595Dental up to $2,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $55 | $4,450 | $5,110 | 3.5★ |
| 14 | DEVOTED GIVEBACK 004 MO (HMO)Devoted Health · HMO27 of 115 counties · drug deductible $461Part B giveback $164.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.70 Part B giveback | $7,150 | $5,174 | 4★ |
| 15 | DEVOTED CHOICE GIVEBACK 002 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $7,150 | $5,734 | Too new to rate |
| 16 | AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 17 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 18 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 19 | Humana Gold Plus H0028-017 (HMO)Humana · HMO5 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $22 | $6,800 | $7,064 | 4.5★ |
| 20 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS49 of 115 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 3★ |
| 21 | Wellcare Simple Open (PPO)Wellcare · PPO58 of 115 counties · drug deductible $700Dental | $0 | $7,100 | $7,100 | 3★ |
| 22 | AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 23 | AARP Medicare Advantage from UHC KC-4 (PPO)UnitedHealthcare · PPO32 of 115 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 24 | AARP Medicare Advantage from UHC KC-5 (PPO)UnitedHealthcare · PPO5 of 115 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $19 | $7,150 | $7,378 | 4★ |
| 25 | Aetna Medicare Enhanced (HMO-POS)Aetna Medicare · HMO-POS17 of 115 counties · drug deductible $700Dental up to $2,500/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $54 | $6,750 | $7,398 | 3.5★ |
| 26 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS57 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
| 27 | HumanaChoice R1532-002 (Regional PPO)Humana · Regional PPOAll 115 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $119 | $7,700 | $9,128 | 3.5★ |
| 28 | HumanaChoice H5216-032 (PPO)Humana · PPO62 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $76 | $9,250 | $10,162 | 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: 35 in 2026, 35 in 2027.
- $0-premium plans: 28 in 2026, 28 in 2027.
- Median in-network out-of-pocket maximum: $5,200 in 2026, $5,500 in 2027.
- 6,690 people here were in a general-audience Advantage plan in October 2026; 41 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: Wellcare Patriot Giveback Open (PPO), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), Aetna Medicare Eagle (HMO-POS), Humana USAA Honor Giveback (Regional PPO), AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS), AARP Medicare Advantage Patriot No Rx KS-MA01 (PPO).
Questions
How many Medicare Advantage plans are in Platte County for 2027?
28 general-audience plans with drug coverage, 21 of them with a $0 monthly premium, compared with 35 plans and 28 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Platte County?
Humana Total Complete (HMO-POS) from Humana: $0 a month with an in-network out-of-pocket maximum of $2,800, so at most about $2,800 for the year in premiums and in-network costs.
Do any Platte County plans have a Part B giveback?
7 do. The largest is $164.70 a month off your Part B premium, from DEVOTED GIVEBACK 004 MO (HMO).
How many Platte County plans have 4 or more stars?
16 of 28, 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
Keep going
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