2027 plan year · Indiana
2027 Medicare Advantage plans in Spencer County, IN
53 plans from 7 insurers for 2027. 23 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $3,900.
- 33general plans
- 23$0-premium plans
- $3,900lowest out-of-pocket max
- 4.5 ★top star rating
- 20Special Needs Plans
2027 Medicare Advantage plans in Spencer County, IN
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $7,900 | — | ★★★★★4.5 |
| Humana Essentials Plus Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Humana Gold Plus H5619-189 (HMO-POS) Humana · HMO-POS · includes drug coverage | $0 | $4,350 | $600 | ★★★★★4 |
| Aetna Medicare Eagle (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $5,200 | — | ★★★★★4 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $5,200 | $500 | ★★★★★4 |
| Humana Value Choice (PPO) Humana · PPO · includes drug coverage | $0 | $7,000 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC IN-0009 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| Humana Full Access (PPO) Humana · PPO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $7,900 | — | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $7,900 | — | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★4 |
| HumanaChoice Giveback H5216-481 (PPO) Humana · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| HumanaChoice H5216-019 (PPO) Humana · PPO · includes drug coverage | $34 | $6,800 | $700 | ★★★★★4 |
| HumanaChoice H5216-463 (PPO) Humana · PPO · includes drug coverage | $43 | $6,350 | $500 | ★★★★★4 |
| AARP Medicare Advantage from UHC IN-0003 (PPO) UnitedHealthcare · PPO · includes drug coverage | $44 | $5,900 | $685 | ★★★★★4 |
| MyTruAdvantage Select (HMO) MyTruAdvantage · HMO · includes drug coverage | $0 | $3,900 | $300 | ★★★★★3.5 |
| AARP Medicare Advantage from UHC IN-13 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $4,450 | $685 | ★★★★★3.5 |
| MyTruAdvantage Choice Plus (PPO) MyTruAdvantage · PPO · includes drug coverage | $0 | $4,700 | $500 | ★★★★★3.5 |
| HumanaChoice R0110-011 (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $5,400 | — | ★★★★★3.5 |
| Red, White and Tru (PPO) MyTruAdvantage · PPO · no drug coverage | $0 | $5,500 | — | ★★★★★3.5 |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare · HMO-POS · includes drug coverage | $0 | $6,500 | $700 | ★★★★★3.5 |
| AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★3.5 |
| Anthem Veteran (PPO) Anthem Blue Cross and Blue Shield · PPO · no drug coverage | $0 | $9,250 | — | ★★★★★3.5 |
| MyTruAdvantage Choice Complete (PPO) MyTruAdvantage · PPO · includes drug coverage | $17 | $4,460 | $500 | ★★★★★3.5 |
| Anthem Medicare Advantage (PPO) Anthem Blue Cross and Blue Shield · PPO · includes drug coverage | $45 | $6,750 | $95 | ★★★★★3.5 |
| Anthem Medicare Advantage 2 (PPO) Anthem Blue Cross and Blue Shield · PPO · includes drug coverage | $50 | $6,750 | $250 | ★★★★★3.5 |
| Anthem Medicare Advantage 3 (PPO) Anthem Blue Cross and Blue Shield · PPO · includes drug coverage | $68 | $6,750 | $150 | ★★★★★3.5 |
| HumanaChoice R0110-012 (Regional PPO) Humana · Regional PPO · includes drug coverage | $68 | $9,850 | $450 | ★★★★★3.5 |
| Anthem Medicare Advantage (Regional PPO) Anthem Blue Cross and Blue Shield · Regional PPO · includes drug coverage | $123 | $9,250 | $45 | ★★★★★3.5 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $5,900 | $700 | ★★★★★3 |
| Anthem Extra Help (HMO-POS) Anthem HealthKeepers · HMO-POS · includes drug coverage | $17 | $4,900 | $700 | ★★★★★3 |
| Wellcare Simple Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $6,200 | $700 | ★★★★★2.5 |
| Wellcare Giveback Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★2.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana Senior Living Plan (PPO I-SNP) Humana · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $6,180 | $400 | ★★★★★4.5 |
| Humana Together in Health (PPO I-SNP) Humana · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,150 | $700 | ★★★★★4 |
| Humana Together in Health (PPO I-SNP) Humana · PPO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Provider Partners Indiana Community Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $3,750 | $700 | ★★★★★3.5 |
| UHC Complete Care IN-21 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $7,150 | $685 | ★★★★★3.5 |
| Provider Partners Indiana Advantage Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $17 | $9,850 | $700 | ★★★★★3.5 |
| Provider Partners Indiana Essential Plan (HMO I-SNP) Provider Partners Health Plans · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $17 | $9,850 | $700 | ★★★★★3.5 |
| Humana Dual Select H4939-002 (HMO-POS D-SNP) Humana · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $150 | Plan too new to be measured |
| Humana PathWays Dual Care (HMO-POS D-SNP) Humana · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | Plan too new to be measured |
| UHC PathWays Dual Care IN-Y1 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | Plan too new to be measured |
| Anthem Full Dual Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $1.70 | $9,850 | $475 | Plan too new to be measured |
| Humana Gold Plus SNP-DE H4939-003 (HMO-POS D-SNP) Humana · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $4.80 | $9,850 | $700 | Plan too new to be measured |
| Anthem I PathWays Dual Care Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $9.20 | $9,850 | $615 | Plan too new to be measured |
| Anthem Dual Advantage (HMO D-SNP) Anthem Blue Cross and Blue Shield · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $14.20 | $9,850 | $700 | Plan too new to be measured |
| Anthem I PathWays Dual Care Advantage NFLOC (HMO D-SNP) Anthem Blue Cross and Blue Shield · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | Plan too new to be measured |
| Humana PathWays Dual Care NFLOC (HMO-POS D-SNP) Humana · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | Plan too new to be measured |
| UHC Dual Complete IN-Q1 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | Plan too new to be measured |
| UHC Dual Complete IN-S002 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | Plan too new to be measured |
| UHC PathWays Dual Care IN-YL (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $17 | $9,850 | $700 | Plan too new to be measured |
What changed from 2026 to 2027
- 10 plans are new here for 2027.
- 11 plans offered here in 2026 aren't listed for 2027 (for example Wellcare Assist (HMO-POS), Humana USAA Honor Giveback with Rx (PPO), HumanaChoice Giveback H5216-309 (PPO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 43 plans offered both years, 8 raised the monthly premium and 13 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Spencer County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Indiana (for people with Original Medicare)
- Marketplace health plans in Spencer County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Spencer County, IN for 2027?
53 plans from 7 insurers: 33 general plans open to anyone with Medicare Parts A and B who lives here, plus 20 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Spencer County, IN?
Yes. 23 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Spencer County, IN?
Humana USAA Honor Giveback (PPO) from Humana has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Spencer County, IN?
MyTruAdvantage Select (HMO) caps in-network out-of-pocket costs at $3,900 for 2027.