Best Medicare Advantage Plans in Dane County, WI for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Dane 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.
Dane County plans, ranked
| # | 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 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | HumanaChoice H5216-168 (PPO)Humana · PPO9 of 72 counties · drug deductible $700Dental · eyewear $100/yr | $167 | $4,200 | $6,204 | 4★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 72 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 3.5★ |
| 19 | 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★ |
| 20 | 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. 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: 38 in 2026, 29 in 2027.
- $0-premium plans: 18 in 2026, 13 in 2027.
- Median in-network out-of-pocket maximum: $5,300 in 2026, $6,000 in 2027.
- 22,523 people here were in a general-audience Advantage plan in October 2026; 2,778 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), Humana USAA Honor Giveback (PPO), Dean Advantage Harmony (HMO-POS), Aetna Medicare Eagle (PPO), UW Health Quartz Med Advantage Value (HMO), UW Health Quartz Med Advantage Elite (HMO), AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO), Humana USAA Honor Giveback (Regional PPO).
Questions
How many Medicare Advantage plans are in Dane County for 2027?
20 general-audience plans with drug coverage, 5 of them with a $0 monthly premium, compared with 38 plans and 18 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Dane County?
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 for the year in premiums and in-network costs.
Do any Dane County plans have a Part B giveback?
None of the plans with drug coverage here files a Part B premium reduction for 2027.
How many Dane County plans have 4 or more stars?
17 of 20, 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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