Company vs company · New Haven County, CT · 2027 plan year
Aetna Medicare vs Humana 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 Connecticut, you can go back to Medigap later
Connecticut lets you buy Medigap any time of year, and your age or health does not change the price. So you can try Medicare Advantage and go back to Original Medicare with Medigap later. A Medigap company can wait up to 6 months to cover a health condition that you already have.
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
Connecticut Insurance Department, monthly Medicare Supplement rates (updated 9/11/2026) lists $298 to $462 a month for a 65-year-old woman who does not use tobacco. We start at the lowest price. Health questions can raise the price after your first 6 months with Part B.
Original Medicare
With Medigap Plan G at $298 a month and Blue MedicareRx Value Plus (PDP)
$8,388 a year
- Premiums
- $6,393
- Medical costs
- $292
- Drugs
- $1,703
Most you can pay in a bad year, before drugs: $6,685.
Aetna Medicare Signature (PPO)
PPO from Aetna Medicare
$5,969 a year
- Premiums
- $2,586
- Medical costs
- $1,680
- Drugs
- $1,703
Most you can pay in a bad year, before drugs: $9,736.
HumanaChoice H5216-288 (PPO)
PPO from Humana
$6,717 a year
- Premiums
- $2,888
- Medical costs
- $2,395
- Drugs
- $1,433
Most you can pay in a bad year, before drugs: $10,038.
With these settings, Aetna Medicare Signature (PPO) costs about $748 less a year than HumanaChoice H5216-288 (PPO).
Tipping point for Aetna Medicare Signature (PPO): with this drug use, if your medical copays and coinsurance in this plan pass $4,099 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $7,150.
Tipping point for HumanaChoice H5216-288 (PPO): with this drug use, if your medical copays and coinsurance in this plan pass $4,066 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $7,150.
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 Elite Extra (PPO)
$0
Aetna Medicare Signature (PPO)
$0
HumanaChoice Giveback H5216-138 (PPO)
$0
Humana USAA Honor Giveback (PPO)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Elite Extra (PPO)
$0-$75
Aetna Medicare Signature (PPO)
$0-$75
HumanaChoice Giveback H5216-138 (PPO)
$45
Prior authorizationHumana USAA Honor Giveback (PPO)
$40
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Aetna Medicare Elite Extra (PPO)
$0-$30
Prior authorizationAetna Medicare Signature (PPO)
$0-$35
Prior authorizationHumanaChoice Giveback H5216-138 (PPO)
$0
Prior authorizationHumana USAA Honor Giveback (PPO)
$0
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Elite Extra (PPO)
$0-$275
Prior authorizationAetna Medicare Signature (PPO)
$0-$305
Prior authorizationHumanaChoice Giveback H5216-138 (PPO)
$0-$780
Prior authorizationHumana USAA Honor Giveback (PPO)
$0-$780
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Elite Extra (PPO)
$130
Aetna Medicare Signature (PPO)
$130
HumanaChoice Giveback H5216-138 (PPO)
$130
Humana USAA Honor Giveback (PPO)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Elite Extra (PPO)
$50
Aetna Medicare Signature (PPO)
$50
HumanaChoice Giveback H5216-138 (PPO)
$50
Humana USAA Honor Giveback (PPO)
$50
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Elite Extra (PPO)
$0-$400
Prior authorizationAetna Medicare Signature (PPO)
$0-$450
Prior authorizationHumanaChoice Giveback H5216-138 (PPO)
$0-$725
Prior authorizationHumana USAA Honor Giveback (PPO)
$0-$725
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Elite Extra (PPO)
$320
Prior authorizationAetna Medicare Signature (PPO)
$310
Prior authorizationHumanaChoice Giveback H5216-138 (PPO)
$325
Prior authorizationHumana USAA Honor Giveback (PPO)
$325
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
Aetna Medicare Elite Extra (PPO)
$2,290
for a 5-day stay
Prior authorizationAetna Medicare Signature (PPO)
$2,180
for a 5-day stay
Prior authorizationHumanaChoice Giveback H5216-138 (PPO)
$2,150
for a 5-day stay
Prior authorizationHumana USAA Honor Giveback (PPO)
$2,300
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 Elite Extra (PPO) | Aetna Medicare Signature (PPO) | HumanaChoice Giveback H5216-138 (PPO) | Humana USAA Honor Giveback (PPO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G $298 + drug plan $25.50 | $6 + Part B $209.50 | $6 + Part B $209.50 | $0 (pays back $40 a month of your Part B premium) + Part B $209.50 | $0 (pays back $123 a month of your Part B premium) + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $7,150 in network; $10,750 in and out of network | $7,150 in network; $10,750 in and out of network | $7,150 in network; $10,750 in and out of network | $4,950 in network; $8,950 in and out of network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $2,000 | $0 | $700 | $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-$75 copay | $0-$75 copay | $45 copayPrior authorization | $40 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0-$30 copayPrior authorization | $0-$35 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$275 copayPrior authorization | $0-$305 copayPrior authorization | $0-$780 copayPrior authorization | $0-$780 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $20 copayPrior authorization | $20 copayPrior authorization | $0-$145 copayPrior authorization | $0-$145 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $130 copay | $130 copay | $130 copay | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $50 copay | $50 copay | $50 copay | $50 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$450 copayPrior authorization | $0-$525 copayPrior authorization | $0-$800 copayPrior authorization | $0-$800 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0-$400 copayPrior authorization | $0-$450 copayPrior authorization | $0-$725 copayPrior authorization | $0-$725 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $320 copayPrior authorization | $310 copayPrior authorization | $325 copayPrior authorization | $325 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $458 per day for days 1-6; $0 per day for days 7-90Prior authorization | $436 per day for days 1-7; $0 per day for days 8-90Prior authorization | $430 per day for days 1-6; $0 per day for days 7-90Prior authorization | $460 per day for days 1-5; $0 per day for days 6-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $10 per day for days 1-20; $221 per day for days 21-100Prior authorization | $10 per day for days 1-20; $221 per day for days 21-100Prior authorization | $10 per day for days 1-20; $221 per day for days 21-100Prior authorization | $10 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 | $65 copayPrior authorization | $55 copayPrior authorization | $35 copayPrior authorization | $0 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $75 copay | $75 copay | $40 copayPrior authorization | $40 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 | 25% coinsurancePrior authorization | 25% coinsurancePrior authorization | 10% coinsurancePrior authorization | 15% 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 Blue MedicareRx Value Plus (PDP) | $700 | $700 | $700 | No drug coverage |
| Drug tiers (one month, retail) | Preferred Generic: $0 copayGeneric: $3 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 35% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $4 copayPreferred Brand: 19% coinsuranceNon-Preferred Drug: 30% coinsuranceSpecialty Tier: 25% coinsurance | No drug coverage |
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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 Connecticut, 10 drug plans are for sale for 2027, from $13.30 to $284.70 a month. Half of them cost $114.75 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.
- 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 New Haven County
Aetna Medicare
- 7 plans for 2027 (not counting special needs plans)
- 1 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $7,150 to $7,150
- Star ratings 3 to 4
- Aetna Medicare Elite Extra (PPO) · $6 a month · limit $7,150
- Aetna Medicare Signature (PPO) · $6 a month · limit $7,150
- Aetna Medicare Signature (HMO-POS) · $125 a month · limit $7,150
- Aetna Medicare Elite (PPO) · $6 a month · limit $7,150
- Aetna Medicare Eagle Giveback (PPO) · $0 a month · limit $7,150
- Aetna Medicare Elite Enhanced (PPO) · $99 a month · limit $7,150
- Aetna Medicare Enhanced (HMO-POS) · $79 a month · limit $7,150
Humana
- 5 plans for 2027 (not counting special needs plans)
- 4 with a $0 premium; 3 pay back part of your Part B premium
- Yearly limits from $4,950 to $7,150
- Star ratings 4 to 4
- HumanaChoice Giveback H5216-138 (PPO) · $0 a month · limit $7,150
- Humana USAA Honor Giveback (PPO) · $0 a month · limit $4,950
- HumanaChoice H5216-289 (PPO) · $0 a month · limit $7,150
- HumanaChoice H5216-288 (PPO) · $31.20 a month · limit $7,150
- HumanaChoice Giveback H5216-476 (PPO) · $0 a month · limit $7,150
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 Elite Extra (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 (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
HumanaChoice Giveback H5216-138 (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 24 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, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Humana USAA Honor Giveback (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 24 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, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | Aetna Medicare Elite Extra (PPO) | Aetna Medicare Signature (PPO) | HumanaChoice Giveback H5216-138 (PPO) | Humana USAA Honor Giveback (PPO) |
|---|---|---|---|---|---|
| Dental | No | Preventive only | Preventive only | Preventive only | Comprehensive, up to $2,000 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $100 allowance | Yes, $100 allowance | Yes, $100 allowance | Yes, $250 allowance |
| Hearing aids | No | Yes, copays from $0 | Yes, copays from $0 | Yes, copays from $575 | Yes, copays from $199 |
| Over-the-counter allowance | No | No | No | No | $200 a year |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | No | No | No | 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 | $40 a month | $123 a month |
What changed for 2027
Aetna Medicare Elite Extra (PPO)
Renewal Plan · 2026 plan H5521-352-0
- Monthly premium up from $0 to $6
- In-network out-of-pocket maximum up from $6,750 to $7,150
- Medical deductible up from $1,500 to $2,000
- Drug deductible up from $615 to $700
- Specialist visit: $0-$55 copay to $0-$75 copay
- Diagnostic radiology (MRI, CT): $0-$250 copay to $0-$275 copay
- Skilled nursing facility: $10 per day for days 1-20; $218 per day for days 21-100 to $10 per day for days 1-20; $221 per day for days 21-100
- Meals after a hospital stay removed
- Overall star rating down from 4.5 to 4
Aetna Medicare Signature (PPO)
Renewal Plan · 2026 plan H5521-446-0
- Monthly premium up from $0 to $6
- In-network out-of-pocket maximum up from $6,750 to $7,150
- Drug deductible up from $615 to $700
- Specialist visit: $0-$55 copay to $0-$75 copay
- Diagnostic radiology (MRI, CT): $0-$275 copay to $0-$305 copay
- Outpatient hospital: $0-$475 copay to $0-$525 copay
- Inpatient hospital: $437 per day for days 1-7; $0 per day for days 8-90 to $436 per day for days 1-7; $0 per day for days 8-90
- Skilled nursing facility: $10 per day for days 1-20; $218 per day for days 21-100 to $10 per day for days 1-20; $221 per day for days 21-100
- Meals after a hospital stay removed
- Overall star rating down from 4.5 to 4
HumanaChoice Giveback H5216-138 (PPO)
Renewal Plan · 2026 plan H5216-138-0
- In-network out-of-pocket maximum up from $6,500 to $7,150
- Medical deductible up from $675 to $700
- Drug deductible up from $395 to $700
- Part B giveback down from $61 to $40
- Outpatient hospital: $0-$575 copay to $0-$800 copay
- Ground ambulance: $335 copay to $325 copay
- Inpatient hospital: $445 per day for days 1-6; $0 per day for days 7-90 to $430 per day for days 1-6; $0 per day for days 7-90
- Skilled nursing facility: $10 per day for days 1-20; $218 per day for days 21-100 to $10 per day for days 1-20; $221 per day for days 21-100
- Eyewear allowance down from $200 to $100
- Rides to care removed
- Overall star rating up from 3.5 to 4
Humana USAA Honor Giveback (PPO)
Renewal Plan with SAR · 2026 plan H5216-059-0
- Part B giveback up from $100 to $123
- Outpatient hospital: $0-$525 copay to $0-$800 copay
- Ground ambulance: $335 copay to $325 copay
- Skilled nursing facility: $10 per day for days 1-20; $218 per day for days 21-100 to $10 per day for days 1-20; $221 per day for days 21-100
- Overall star rating up from 3.5 to 4
More 2027 plans in New Haven County
- UHC Medicare Advantage CT-0003 (HMO-POS), H0755-033 (page for Fairfield County, CT)
- UHC Medicare Advantage CT-0002 (HMO-POS), H0755-031 (page for Fairfield County, CT)
- Wellcare Simple Open (PPO), H1914-001 (page for Fairfield County, CT)
- Anthem Medicare Advantage (HMO), H5854-019 (page for Fairfield County, CT)
- Wellcare Simple (HMO-POS), H0712-019 (page for Fairfield County, CT)
- UHC Medicare Advantage CT-0001 (HMO-POS), H0755-030 (page for Fairfield County, CT)
- UHC Medicare Advantage Patriot No Rx CT-MA01 (HMO-POS), H0755-032 (page for Fairfield County, CT)
- Anthem Veteran (HMO-POS), H5854-018 (page for Fairfield County, CT)
County guide: 2027 plans in New Haven CountyState guide: Connecticut
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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. Medigap prices come from Connecticut Insurance Department, monthly Medicare Supplement rates (updated 9/11/2026), pulled 2026-10-13. They are statewide prices for Connecticut. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Aetna Medicare Elite Extra (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Aetna Medicare Signature (PPO) on Medicare.gov · plan website · drug list · doctor directory
- HumanaChoice Giveback H5216-138 (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Humana USAA Honor Giveback (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices: Connecticut Insurance Department, monthly Medicare Supplement rates (updated 9/11/2026)
- 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.