Company vs company · Van Wert County, OH · 2027 plan year
Aetna Medicare vs Anthem Blue Cross and Blue Shield Medicare Advantage plans
Medicare.gov compares Medicare Advantage plans with each other. This page also shows Original Medicare, so you can see the full trade-off: premiums, copays, the yearly limit, extra benefits, and the rules about doctors and approvals.
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In most states, including Ohio, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Ohio can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYour yearly cost, side by side
Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.
Want to check your exact drugs? Medicare.gov lets you enter each drug and shows what each plan charges for it. Enter your drugs on Medicare.gov
We have no Medigap Plan G price for a 65-year-old woman in Van Wert County. Enter the monthly price from your quote, or check Medigap prices for ZIP 45891 on Medicare.gov.
Original Medicare
We have no Medigap Plan G price for a 65-year-old woman here, so we cannot show this total yet. Enter your quote above to see it. Check Medigap prices on Medicare.gov
Aetna Medicare Signature (PPO)
PPO from Aetna Medicare
$5,326 a year
- Premiums
- $2,514
- Medical costs
- $1,275
- Drugs
- $1,537
Most you can pay in a bad year, before drugs: $8,414.
Anthem Extra Help (HMO-POS)
HMO-POS from Anthem Blue Cross and Blue Shield
$5,463 a year
- Premiums
- $2,514
- Medical costs
- $1,220
- Drugs
- $1,729
Most you can pay in a bad year, before drugs: $9,864.
With these settings, Aetna Medicare Signature (PPO) costs about $137 less a year than Anthem Extra Help (HMO-POS).
These are estimates, not quotes. Check every number with Medicare (Medicare.gov or 1-800-MEDICARE) and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Drug costs use typical prices for generic and brand-name drugs. Original Medicare amounts are 2027 projections from the 2026 Medicare Trustees Report. CMS sets the final amounts in November.
Text us about this comparisonWhat you pay each time you get care
In-network costs for one visit or one stay. The Original Medicare amounts follow your Medigap choice above: Plan G.
Primary doctor visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$0
Aetna Medicare Signature Care (HMO-POS)
$0
Anthem Veteran (PPO)
$0
Anthem Extra Help (HMO-POS)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$0-$45
Aetna Medicare Signature Care (HMO-POS)
$45
Anthem Veteran (PPO)
$40
Prior authorizationAnthem Extra Help (HMO-POS)
$25
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Aetna Medicare Signature (PPO)
$0-$5
Prior authorizationAetna Medicare Signature Care (HMO-POS)
$0
Prior authorizationAnthem Veteran (PPO)
$0-$50
Prior authorizationAnthem Extra Help (HMO-POS)
$0-$10
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$0-$235
Prior authorizationAetna Medicare Signature Care (HMO-POS)
$0-$195
Prior authorizationAnthem Veteran (PPO)
$50-$350
Prior authorizationAnthem Extra Help (HMO-POS)
$50-$310
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$130
Aetna Medicare Signature Care (HMO-POS)
$130
Anthem Veteran (PPO)
$130
Anthem Extra Help (HMO-POS)
$115
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$50
Aetna Medicare Signature Care (HMO-POS)
$50
Anthem Veteran (PPO)
$25
Anthem Extra Help (HMO-POS)
$35
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$0-$325
Prior authorizationAetna Medicare Signature Care (HMO-POS)
$0-$250
Prior authorizationAnthem Veteran (PPO)
$0-$300
Prior authorizationAnthem Extra Help (HMO-POS)
$0-$210
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$275
Prior authorizationAetna Medicare Signature Care (HMO-POS)
$290
Prior authorizationAnthem Veteran (PPO)
$280
Prior authorizationAnthem Extra Help (HMO-POS)
$325
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
Aetna Medicare Signature (PPO)
$2,375
for a 5-day stay
Prior authorizationAetna Medicare Signature Care (HMO-POS)
$1,900
for a 5-day stay
Prior authorizationAnthem Veteran (PPO)
$1,750
for a 5-day stay
Prior authorizationAnthem Extra Help (HMO-POS)
$1,550
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | Aetna Medicare Signature (PPO) | Aetna Medicare Signature Care (HMO-POS) | Anthem Veteran (PPO) | Anthem Extra Help (HMO-POS) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G at the price of your quote + drug plan $5.30 | $0 + Part B $209.50 | $0 + Part B $209.50 | $0 (pays back $184 a month of your Part B premium) + Part B $209.50 | $0 + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $5,900 in network; $10,750 in and out of network | $5,500 in network | $5,900 in network; $8,950 in and out of network | $7,350 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $0 | $0 | $0 |
| Primary doctor visit | $0, after the $292 yearly Part B deductible | $0 copay | $0 copay | $0 copay | $0 copay |
| Specialist visit | $0, after the $292 yearly Part B deductible | $0-$45 copay | $45 copay | $40 copayPrior authorization | $25 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0-$5 copayPrior authorization | $0 copayPrior authorization | $0-$50 copayPrior authorization | $0-$10 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$235 copayPrior authorization | $0-$195 copayPrior authorization | $50-$350 copayPrior authorization | $50-$310 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $5-$110 copayPrior authorization | $10-$110 copayPrior authorization | $50-$110 copayPrior authorization | $50-$90 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $130 copay | $130 copay | $130 copay | $115 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $50 copay | $50 copay | $25 copay | $35 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$350 copayPrior authorization | $0-$380 copayPrior authorization | $0-$350 copayPrior authorization | $0-$310 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0-$325 copayPrior authorization | $0-$250 copayPrior authorization | $0-$300 copayPrior authorization | $0-$210 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $275 copayPrior authorization | $290 copayPrior authorization | $280 copayPrior authorization | $325 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $475 per day for days 1-5; $0 per day for days 6-90Prior authorization | $380 per day for days 1-6; $0 per day for days 7-90Prior authorization | $350 per day for days 1-5; $0 per day for days 6-90Prior authorization | $310 per day for days 1-7; $0 per day for days 8-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization |
| Mental health visit | $0, after the $292 yearly Part B deductible | $40 copayPrior authorization | $40 copayPrior authorization | $40 copayPrior authorization | $25 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $40 copay | $40 copay | $40 copayPrior authorization | $25 copayPrior authorization |
| Home health care | $0, Medicare-covered home health | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| Medical equipment | $0, after the $292 yearly Part B deductible | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization |
| Drug deductible (Part D) | $700 with Wellcare Value Script (PDP) | $500 | $500 | No drug coverage | $105 |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 50% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 28% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 28% coinsurance | No drug coverage | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 25% coinsuranceSpecialty Tier: 32% coinsurance |
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A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In Ohio, 9 drug plans are for sale for 2027, from $5.30 to $200.40 a month. Half of them cost $42 a month or less.
- Every 2027 drug plan limits what you pay for covered drugs to $2,400 a year. The drug coverage in Medicare Advantage plans has the same limit.
- The premium is one part of your yearly cost. The calculator above adds premiums, medical costs, and drug costs, so you can see the whole year.
- A Medicare Advantage plan can cost less in a light year. But you also take on its network and prior authorization rules, and you may not be able to get Medigap later.
- If your income is limited, Extra Help can pay most of your drug plan premium and drug costs. Check Extra Help at SSA.gov
The two companies in Van Wert County
Aetna Medicare
- 3 plans for 2027 (not counting special needs plans)
- 3 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $5,500 to $6,900
- Star ratings 3.5 to 4
- Aetna Medicare Signature (PPO) · $0 a month · limit $5,900
- Aetna Medicare Signature Care (HMO-POS) · $0 a month · limit $5,500
- Aetna Medicare Eagle Giveback (PPO) · $0 a month · limit $6,900
Anthem Blue Cross and Blue Shield
- 5 plans for 2027 (not counting special needs plans)
- 3 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $5,900 to $7,350
- Star ratings 3.5 to 4.5
- Anthem Veteran (PPO) · $0 a month · limit $5,900
- Anthem Extra Help (HMO-POS) · $0 a month · limit $7,350
- Anthem Medicare Advantage 3 (PPO) · $59 a month · limit $7,150
- Anthem Medicare Advantage (Regional PPO) · $106 a month · limit $6,750
- Anthem Veteran (Regional PPO) · $0 a month · limit $6,100
Doctors, referrals, and prior authorization
Cost is one side. The other side is how you get care. These rules come from the CMS plan files. Prior authorization means the plan must approve a service before you get it.
Original Medicare
- Any doctor or hospital in the U.S. that takes Medicare
- No referrals
- Prior authorization only for a short list of services
Aetna Medicare Signature (PPO)
PPO
- The plan has a network. You can go outside it, but you pay more.
- No referral needed to see a specialist.
Prior authorization for 19 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Aetna Medicare Signature Care (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- No referral needed to see a specialist.
Prior authorization for 19 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Anthem Veteran (PPO)
PPO
- The plan has a network. You can go outside it, but you pay more.
- No referral needed to see a specialist.
Prior authorization for 23 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Anthem Extra Help (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- No referral needed to see a specialist.
Prior authorization for 23 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | Aetna Medicare Signature (PPO) | Aetna Medicare Signature Care (HMO-POS) | Anthem Veteran (PPO) | Anthem Extra Help (HMO-POS) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $1,000 a year | Comprehensive, up to $1,000 a year | Comprehensive, up to $2,000 a year | Comprehensive, up to $1,200 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $200 allowance | Yes, $125 allowance | Yes, $225 allowance | Yes, $275 allowance |
| Hearing aids | No | Yes, up to $1,250 | Yes, up to $1,000 | Yes, up to $3,000 | Yes, up to $3,000 |
| Over-the-counter allowance | No | $320 a year | $100 a year | $520 a year | $500 a year |
| Fitness benefit | No | Yes | Yes | Yes | No |
| Rides to care | No | No | No | Yes | Yes |
| Meals after a hospital stay | No | No | No | Yes | Yes |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | Yes | Yes | Yes | Yes |
| Part B premium giveback | No | No | No | $184 a month | No |
What changed for 2027
Aetna Medicare Signature (PPO)
Renewal Plan with SAE · 2026 plan H5521-088-0
- Drug deductible down from $615 to $500
- Primary doctor visit: $5 copay to $0 copay
- Specialist visit: $0-$40 copay to $0-$45 copay
- Inpatient hospital: $350 per day for days 1-6; $0 per day for days 7-90 to $475 per day for days 1-5; $0 per day for days 6-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Yearly OTC allowance down from $360 to $320
- Eyewear allowance down from $225 to $200
- Overall star rating down from 4.5 to 4
Aetna Medicare Signature Care (HMO-POS)
Renewal Plan · 2026 plan H0628-001-0
- Specialist visit: $40 copay to $45 copay
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Yearly OTC allowance down from $300 to $100
- Eyewear allowance down from $175 to $125
- Hearing aid allowance down from $1,250 to $1,000
- Overall star rating down from 4 to 3.5
Anthem Veteran (PPO)
Renewal Plan · 2026 plan H4036-022-0
- Part B giveback up from $165 to $184
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Overall star rating up from 4 to 4.5
Anthem Extra Help (HMO-POS)
Renewal Plan · 2026 plan H3655-041-0
- Monthly premium down from $31 to $0
- Drug deductible down from $390 to $105
- Specialist visit: $40 copay to $25 copay
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Dental maximum up from $1,000 to $1,200
- Eyewear allowance up from $125 to $275
- Overall star rating down from 4 to 3.5
More 2027 plans in Van Wert County
- Humana Essentials Plus Giveback (PPO), H7617-144 (page for Cuyahoga County, OH)
- HumanaChoice Giveback H5216-481 (PPO) (page for Cuyahoga County, OH)
- HumanaChoice H5216-285 (PPO) (page for Cuyahoga County, OH)
- HumanaChoice H7617-004 (PPO) (page for Cuyahoga County, OH)
- Humana USAA Honor Giveback (PPO), H5216-218 (page for Cuyahoga County, OH)
- DEVOTED CHOICE 003 OH (PPO), H2526-003 (page for Cuyahoga County, OH)
- Humana Gold Plus H6622-022 (HMO-POS) (page for Cuyahoga County, OH)
- Humana USAA Honor Giveback (PPO), H7617-073 (page for Cuyahoga County, OH)
County guide: 2027 plans in Van Wert CountyState guide: Ohio
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. We checked a sample of plans field by field against Medicare.gov. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Van Wert County, OH. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 45891 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Aetna Medicare Signature (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Aetna Medicare Signature Care (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Anthem Veteran (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Anthem Extra Help (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 45891 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.