Best Medicare Advantage Plans in Wisconsin for 2027
Every general-audience Medicare Advantage plan with drug coverage in Wisconsin, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Wisconsin plans, ranked
Showing all 59 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO)Humana · HMO29 of 72 counties · drug deductible $500Dental up to $3,000/yr · eyewear $400/yr | $0 | $4,200 | $4,200 | 4★ |
| 2 | Humana Value Choice (PPO)Humana · PPO23 of 72 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | Too new to rate |
| 3 | Humana Value Choice (PPO)Humana · PPO23 of 72 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 4 | Network Health Select (PPO)Network Health Medicare Advantage Plans · PPO21 of 72 counties · drug deductible $330Dental up to $400/yr · hearing aids $75/yr | $0 | $4,450 | $4,450 | 4★ |
| 5 | Network Health Anywhere (PPO)Network Health Medicare Advantage Plans · PPO6 of 72 counties · drug deductible $320Dental up to $1,500/yr · hearing aids $75/yr | $0 | $4,500 | $4,500 | 4★ |
| 6 | Network Health PlusRx (PPO)Network Health Medicare Advantage Plans · PPO21 of 72 counties · drug deductible $340Dental up to $750/yr · hearing aids $75/yr · OTC items $300/yr | $105 | $3,400 | $4,660 | 4★ |
| 7 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS15 of 72 counties · drug deductible $240Dental up to $1,000/yr · eyewear $250/yr · hearing aids $2,000/yr | $38 | $4,300 | $4,756 | 3.5★ |
| 8 | Humana Essentials Plus Giveback (PPO)Humana · PPO24 of 72 counties · drug deductible $700Part B giveback $39/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$39 Part B giveback | $5,250 | $4,782 | 4.5★ |
| 9 | HumanaChoice Giveback H5216-252 (PPO)Humana · PPO24 of 72 counties · drug deductible $700Part B giveback $38/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$38 Part B giveback | $5,250 | $4,794 | 4★ |
| 10 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS6 of 72 counties · drug deductible $450Preventive dental · eyewear $75/yr · hearing aids $2,000/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 11 | Network Health Go (PPO)Network Health Medicare Advantage Plans · PPO5 of 72 counties · drug deductible $340Dental up to $750/yr · hearing aids $75/yr | $0 | $5,000 | $5,000 | 4★ |
| 12 | Network Health Choice (PPO)Network Health Medicare Advantage Plans · PPO21 of 72 counties · drug deductible $300Dental up to $1,000/yr · hearing aids $75/yr | $0 | $5,100 | $5,100 | 4★ |
| 13 | AARP Medicare Advantage from UHC WI-0010 (HMO-POS)UnitedHealthcare · HMO-POS5 of 72 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $57 | $4,450 | $5,134 | 4★ |
| 14 | AARP Medicare Advantage from UHC WI-0011 (HMO-POS)UnitedHealthcare · HMO-POS16 of 72 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $69 | $4,450 | $5,278 | 4★ |
| 15 | HumanaChoice H5216-001 (PPO)Humana · PPO25 of 72 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $94 | $4,200 | $5,328 | 4★ |
| 16 | AARP Medicare Advantage Essentials from UHC WI-13 (HMO-POS)UnitedHealthcare · HMO-POS5 of 72 counties · drug deductible $685Dental up to $500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,400 | $5,400 | 4★ |
| 17 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO7 of 72 counties · drug deductible $700Dental up to $2,500/yr · eyewear $225/yr · hearing aids $750/yr per ear · OTC items $180/yr | $40 | $5,000 | $5,480 | 4★ |
| 18 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO15 of 72 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 19 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO7 of 72 counties · drug deductible $500Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 20 | Dean Advantage Assurance (HMO-POS)Dean Advantage · HMO-POS9 of 72 counties · drug deductible $350Dental up to $600/yr · eyewear $150/yr · hearing aids $750/yr · OTC items $80/yr | $60 | $5,000 | $5,720 | 4★ |
| 21 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS20 of 72 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $350/yr per ear | $0 | $5,800 | $5,800 | 3★ |
| 22 | Dean Advantage Balance (HMO-POS)Dean Advantage · HMO-POS9 of 72 counties · drug deductible $315Dental up to $800/yr · eyewear $175/yr · hearing aids $750/yr · OTC items $100/yr | $139 | $4,200 | $5,868 | 4★ |
| 23 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS7 of 72 counties · drug deductible $400Dental up to $2,500/yr · eyewear $275/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 3.5★ |
| 24 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO17 of 72 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 25 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO17 of 72 counties · drug deductible $700Dental up to $1,000/yr · eyewear $175/yr · hearing aids $750/yr per ear | $37 | $5,500 | $5,944 | 4★ |
| 26 | Dean Advantage Complete (HMO)Dean Advantage · HMO9 of 72 counties · drug deductible $105Dental up to $1,500/yr · eyewear $175/yr · hearing aids $750/yr · OTC items $140/yr | $276 | $2,750 | $6,062 | 4★ |
| 27 | Gundersen Quartz Med Advantage Value D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $225Dental up to $375/yr · eyewear $175/yr · hearing aids $625/yr | $97 | $4,900 | $6,064 | 4★ |
| 28 | Humana Full Access (PPO)Humana · PPO28 of 72 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,100 | $6,100 | 4.5★ |
| 29 | HumanaChoice H5216-168 (PPO)Humana · PPO9 of 72 counties · drug deductible $700Dental · eyewear $100/yr | $167 | $4,200 | $6,204 | 4★ |
| 30 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO7 of 72 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $750/yr per ear · OTC items $100/yr | $0 | $6,350 | $6,350 | 4★ |
| 31 | Humana Full Access (PPO)Humana · PPO28 of 72 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $0 | $6,400 | $6,400 | 4★ |
| 32 | Gundersen Quartz Med Advantage Core D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $270Dental up to $350/yr · eyewear $100/yr · hearing aids $500/yr | $42 | $5,900 | $6,404 | 4★ |
| 33 | Gundersen Quartz Med Advantage Elite D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $200Dental up to $550/yr · eyewear $250/yr · hearing aids $750/yr | $202 | $4,000 | $6,424 | 4★ |
| 34 | Network Health PremierRx (PPO)Network Health Medicare Advantage Plans · PPO21 of 72 counties · drug deductible $340Preventive dental up to $100/yr · hearing aids $75/yr · OTC items $300/yr | $257 | $3,400 | $6,484 | 4★ |
| 35 | Esteem Rx Gold (HMO-POS)Security Health Plan of Wisconsin, Inc. · HMO-POS33 of 72 counties · drug deductible $300Dental up to $500/yr · eyewear $250/yr · OTC items $220/yr | $125 | $5,000 | $6,500 | 4★ |
| 36 | Legacy Rx (HMO-POS)Security Health Plan of Wisconsin, Inc. · HMO-POS33 of 72 counties · drug deductible $0Preventive dental · eyewear $175/yr · OTC items $220/yr | $300 | $3,000 | $6,600 | 4★ |
| 37 | AARP Medicare Advantage from UHC WI-0012 (HMO-POS)UnitedHealthcare · HMO-POS10 of 72 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $59 | $5,900 | $6,608 | 4★ |
| 38 | Cooperative Medicare Advantage (HMO)Group Health Cooperative of Eau Claire · HMO50 of 72 counties · drug deductible $275Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr · OTC items $160/yr | $0 | $6,700 | $6,700 | Not rated |
| 39 | HumanaChoice H5216-006 (PPO)Humana · PPO8 of 72 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $36 | $6,300 | $6,732 | 4★ |
| 40 | HealthPartners Birch (PPO)HealthPartners · PPO12 of 72 counties · drug deductible $700Dental · eyewear $150/yr | $0 | $6,750 | $6,750 | Too new to rate |
| 41 | UW Health Quartz Med Advantage Core D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 72 counties · drug deductible $270Dental up to $300/yr · eyewear $100/yr · hearing aids $500/yr | $47 | $6,500 | $7,064 | 4★ |
| 42 | AARP Medicare Advantage Extras from UHC WI-19 (HMO-POS)UnitedHealthcare · HMO-POS5 of 72 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 43 | AARP Medicare Advantage from UHC WI-0014 (HMO-POS)UnitedHealthcare · HMO-POS16 of 72 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 44 | AARP Medicare Advantage from UHC WI-0015 (HMO-POS)UnitedHealthcare · HMO-POS4 of 72 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 45 | Dean Advantage Essential (HMO)Dean Advantage · HMO9 of 72 counties · drug deductible $700Dental up to $500/yr · eyewear $125/yr · hearing aids $750/yr · OTC items $80/yr | $0 | $7,150 | $7,150 | 4★ |
| 46 | Gundersen Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $270Preventive dental | $0 | $7,150 | $7,150 | 4★ |
| 47 | UW Health Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 72 counties · drug deductible $270Preventive dental · hearing aids $400/yr | $0 | $7,150 | $7,150 | 4★ |
| 48 | Esteem Rx Silver (HMO-POS)Security Health Plan of Wisconsin, Inc. · HMO-POS33 of 72 counties · drug deductible $450Dental up to $500/yr · eyewear $200/yr · OTC items $200/yr | $65 | $6,500 | $7,280 | 4★ |
| 49 | Esteem Rx (HMO)Security Health Plan of Wisconsin, Inc. · HMO33 of 72 counties · drug deductible $550Preventive dental · eyewear $175/yr · OTC items $180/yr | $20 | $7,150 | $7,390 | 4★ |
| 50 | AARP Medicare Advantage from UHC WI-6 (PPO)UnitedHealthcare · PPO16 of 72 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $56 | $7,150 | $7,822 | 3★ |
| 51 | UW Health Quartz Med Advantage Value D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 72 counties · drug deductible $225Dental up to $425/yr · eyewear $250/yr · hearing aids $625/yr | $114 | $6,500 | $7,868 | 4★ |
| 52 | Anthem Medicare Advantage 3 (PPO)Anthem Blue Cross and Blue Shield · PPO36 of 72 counties · drug deductible $595Preventive dental · hearing aids $3,000/yr · OTC items $40/yr | $84 | $7,150 | $8,158 | 4.5★ |
| 53 | AARP Medicare Advantage from UHC WI-0002 (PPO)UnitedHealthcare · PPO32 of 72 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $99 | $7,150 | $8,338 | 3★ |
| 54 | Humana Gold Choice H8145-006 (PFFS)Humana · PFFS31 of 72 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $60 | $7,800 | $8,520 | 4★ |
| 55 | UW Health Quartz Med Advantage Elite D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 72 counties · drug deductible $200Dental up to $525/yr · eyewear $300/yr · hearing aids $750/yr · OTC items $60/yr | $171 | $6,500 | $8,552 | 4★ |
| 56 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 72 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 3.5★ |
| 57 | HealthPartners Cedar (PPO)HealthPartners · PPO12 of 72 counties · drug deductible $700Part B giveback $50/mo | $0−$50 Part B giveback | $9,850 | $9,250 | Too new to rate |
| 58 | Humana Value Plus H5216-173 (PPO)Humana · PPO36 of 72 counties · drug deductible $700Dental up to $3,500/yr · eyewear $200/yr | $6.30 | $9,850 | $9,926 | 4★ |
| 59 | HumanaChoice H7617-007 (PPO)Humana · PPO36 of 72 counties · drug deductible $700Dental · eyewear $100/yr | $60 | $9,250 | $9,970 | 4.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 15 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO64 of 72 countiesPart B giveback $150/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$150 Part B giveback | $6,000 | $4,200 | 4★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPO64 of 72 countiesPart B giveback $150/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$150 Part B giveback | $6,000 | $4,200 | 4.5★ |
| 3 | Network Health Armor (PPO)Network Health Medicare Advantage Plans · PPO21 of 72 countiesPart B giveback $55/mo · Dental up to $3,500/yr · eyewear $400/yr · hearing aids $75/yr · OTC items $400/yr | $0−$55 Part B giveback | $4,900 | $4,240 | 4★ |
| 4 | Dean Advantage Harmony (HMO-POS)Dean Advantage · HMO-POS9 of 72 countiesPart B giveback $60/mo · Dental up to $1,500/yr · eyewear $175/yr · hearing aids $750/yr · OTC items $160/yr | $0−$60 Part B giveback | $5,000 | $4,280 | 4★ |
| 5 | Network Health Bravo (PPO)Network Health Medicare Advantage Plans · PPO6 of 72 countiesPart B giveback $15/mo · Dental up to $3,500/yr · eyewear $400/yr · hearing aids $75/yr · OTC items $400/yr | $0−$15 Part B giveback | $4,500 | $4,320 | 4★ |
| 6 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO32 of 72 countiesPart B giveback $70/mo · Dental up to $3,750/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $400/yr | $0−$70 Part B giveback | $5,200 | $4,360 | 4★ |
| 7 | Gundersen Quartz Med Advantage Value (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 countiesDental up to $1,000/yr · eyewear $225/yr · hearing aids $750/yr | $0 | $4,450 | $4,450 | 4★ |
| 8 | UW Health Quartz Med Advantage Value (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 72 countiesDental up to $1,750/yr · eyewear $300/yr · hearing aids $750/yr · OTC items $120/yr | $0 | $4,900 | $4,900 | 4★ |
| 9 | Compass (HMO)Security Health Plan of Wisconsin, Inc. · HMO33 of 72 countiesPreventive dental · eyewear $175/yr · OTC items $160/yr | $0 | $5,000 | $5,000 | 4★ |
| 10 | UW Health Quartz Med Advantage Elite (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 72 countiesDental up to $1,000/yr · eyewear $350/yr · hearing aids $750/yr · OTC items $120/yr | $70 | $4,450 | $5,290 | 4★ |
| 11 | Gundersen Quartz Med Advantage Elite (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 countiesDental up to $1,000/yr · eyewear $300/yr · hearing aids $750/yr | $124 | $4,000 | $5,488 | 4★ |
| 12 | Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPO21 of 72 countiesPart B giveback $95/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $320/yr | $0−$95 Part B giveback | $6,751 | $5,611 | 4.5★ |
| 13 | AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)UnitedHealthcare · HMO-POS29 of 72 countiesPart B giveback $105/mo · Dental up to $1,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$105 Part B giveback | $7,150 | $5,890 | 4★ |
| 14 | AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)UnitedHealthcare · PPO26 of 72 countiesPart B giveback $65/mo · Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0−$65 Part B giveback | $7,150 | $6,370 | 3★ |
| 15 | Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPOAll 72 countiesPart B giveback $30/mo · Dental up to $1,000/yr · eyewear $200/yr | $0−$30 Part B giveback | $6,750 | $6,390 | 3.5★ |
County pages
Brown County · Dane County · Eau Claire County · Fond du Lac County · Kenosha County · La Crosse County · Marathon County · Milwaukee County · Outagamie County · Racine County · Rock County · Sheboygan County · Walworth County · Washington County · Waukesha County · Winnebago County
Questions
How many Medicare Advantage plans are available in Wisconsin for 2027?
CMS lists 59 general-audience Medicare Advantage plans with drug coverage in Wisconsin for 2027, from 11 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Wisconsin?
Yes. 28 of the 59 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Wisconsin Medicare Advantage plan has the lowest worst-case cost?
Humana Total Complete (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,200, so at most about $4,200 in premiums and in-network costs for the year. It is offered in 29 of 72 counties.
Which Wisconsin Medicare Advantage plans have 4 or more stars?
48 of the 59 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Wisconsin Medicare Advantage plans have a Part B giveback?
3 of the 59 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $50 a month, from HealthPartners Cedar (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Wisconsin?
The median in-network out-of-pocket maximum among these plans is $5,800. CMS allows up to $9,850 in 2027.
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.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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