Best Medicare Advantage Plans in Washoe County, NV for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Washoe 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.
Washoe County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Champion Ally (HMO)Champion Health Plan · HMO4 of 9 counties · drug deductible $0Dental up to $3,000/yr · eyewear $350/yr · OTC items $880/yr | $0 | $999 | $999 | Not rated |
| 2 | Prominence Plus (HMO)Prominence Health Plan · HMO1 of 9 counties · drug deductible $100Dental up to $2,000/yr · eyewear $100/yr · hearing aids $300/yr per ear · OTC items $500/yr | $0 | $2,600 | $2,600 | 3.5★ |
| 3 | Prominence Extra Help (HMO)Prominence Health Plan · HMO1 of 9 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $600/yr per ear · OTC items $600/yr | $7.30 | $2,600 | $2,688 | 3.5★ |
| 4 | KP Medicare Value H2960 028 (HMO)Kaiser Permanente · HMO2 of 9 counties · drug deductible $300Dental up to $500/yr · eyewear $250/yr · OTC items $240/yr | $0 | $3,300 | $3,300 | 5★ |
| 5 | AARP Medicare Advantage from UHC NV-0003 (HMO-POS)UnitedHealthcare · HMO-POS2 of 9 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $35 | $3,500 | $3,920 | 4★ |
| 6 | AARP Medicare Advantage from UHC NV-0006 (HMO-POS)UnitedHealthcare · HMO-POS2 of 9 counties · drug deductible $190Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,450 | $4,450 | 4★ |
| 7 | Humana Total Complete (HMO)Humana · HMO7 of 9 counties · drug deductible $0Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 8 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO1 of 9 counties · drug deductible $700Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $7.30 | $4,450 | $4,538 | 3.5★ |
| 9 | Prominence Meridian (HMO-POS)Prominence Health Plan · HMO-POS1 of 9 counties · drug deductible $350 | $159 | $3,000 | $4,908 | 3.5★ |
| 10 | Prominence Giveback (HMO)Prominence Health Plan · HMO1 of 9 counties · drug deductible $450Part B giveback $135/mo · Dental up to $1,000/yr · eyewear $200/yr · OTC items $200/yr | $0−$135 Part B giveback | $6,900 | $5,280 | 3.5★ |
| 11 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO1 of 9 counties · drug deductible $500Dental up to $2,000/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $200/yr | $0 | $5,500 | $5,500 | 4★ |
| 12 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO1 of 9 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $5,900 | $5,900 | 4★ |
| 13 | Humana Essentials Plus Giveback (PPO)Humana · PPO7 of 9 counties · drug deductible $700Part B giveback $70/mo · Dental · eyewear $150/yr | $0−$70 Part B giveback | $7,150 | $6,310 | 4★ |
| 14 | Humana Value Choice (PPO)Humana · PPO7 of 9 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $0 | $6,500 | $6,500 | 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: 25 in 2026, 18 in 2027.
- $0-premium plans: 21 in 2026, 14 in 2027.
- Median in-network out-of-pocket maximum: $4,200 in 2026, $4,450 in 2027.
- 40,008 people here were in a general-audience Advantage plan in October 2026; 21,689 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: KP Medicare Liberty H2960-009 (HMO), Prominence Veteran (HMO), Humana USAA Honor Giveback (PPO), Aetna Medicare Eagle (PPO).
Questions
How many Medicare Advantage plans are in Washoe County for 2027?
14 general-audience plans with drug coverage, 10 of them with a $0 monthly premium, compared with 25 plans and 21 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Washoe County?
Champion Ally (HMO) from Champion Health Plan: $0 a month with an in-network out-of-pocket maximum of $999, so at most about $999 for the year in premiums and in-network costs.
Do any Washoe County plans have a Part B giveback?
2 do. The largest is $135 a month off your Part B premium, from Prominence Giveback (HMO).
How many Washoe County plans have 4 or more stars?
8 of 14, 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