Best Medicare Advantage Plans in Winnebago County, WI for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Winnebago 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.
Winnebago 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 | 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 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | HealthPartners Birch (PPO)HealthPartners · PPO12 of 72 counties · drug deductible $700Dental · eyewear $150/yr | $0 | $6,750 | $6,750 | Too new to rate |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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★ |
| 21 | 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★ |
| 22 | 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★ |
| 23 | HumanaChoice R5361-002 (Regional PPO)Humana · Regional PPOAll 72 counties · drug deductible $700Dental · eyewear $100/yr | $87 | $7,700 | $8,744 | 3.5★ |
| 24 | 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 |
| 25 | 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★ |
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: 40 in 2026, 33 in 2027.
- $0-premium plans: 26 in 2026, 22 in 2027.
- Median in-network out-of-pocket maximum: $5,000 in 2026, $5,900 in 2027.
- 22,611 people here were in a general-audience Advantage plan in October 2026; 283 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), Network Health Armor (PPO), Aetna Medicare Eagle (PPO), Anthem Veteran (PPO), AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS), Humana USAA Honor Giveback (Regional PPO).
Questions
How many Medicare Advantage plans are in Winnebago County for 2027?
25 general-audience plans with drug coverage, 14 of them with a $0 monthly premium, compared with 40 plans and 26 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Winnebago 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 Winnebago County plans have a Part B giveback?
3 do. The largest is $50 a month off your Part B premium, from HealthPartners Cedar (PPO).
How many Winnebago County plans have 4 or more stars?
17 of 25, 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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