Company vs company · Oconee County, SC · 2027 plan year
Aetna Medicare vs UnitedHealthcare 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.
Pinnie Direct is a free text line. Pinnie does not sell plans.
In most states, including South Carolina, 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 South Carolina 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 Oconee County. Enter the monthly price from your quote, or check Medigap prices for ZIP 29693 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 Giveback (PPO)
PPO from Aetna Medicare
$5,314 a year
- Premiums
- $2,154
- Medical costs
- $1,623
- Drugs
- $1,537
Most you can pay in a bad year, before drugs: $12,004.
AARP Medicare Advantage from UHC SC-0005 (HMO-POS)
HMO-POS from UnitedHealthcare
$6,072 a year
- Premiums
- $2,514
- Medical costs
- $1,690
- Drugs
- $1,868
Most you can pay in a bad year, before drugs: $9,664.
With these settings, Aetna Medicare Signature Giveback (PPO) costs about $758 less a year than AARP Medicare Advantage from UHC SC-0005 (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 Giveback (PPO)
$0
AARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$0
AARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$0-$40
Aetna Medicare Signature Giveback (PPO)
$45
AARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$0-$65
Prior authorizationAARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$0-$50
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Aetna Medicare Signature (PPO)
$0-$35
Prior authorizationAetna Medicare Signature Giveback (PPO)
$0-$50
Prior authorizationAARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$0
Prior authorizationAARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$0
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$0-$300
Prior authorizationAetna Medicare Signature Giveback (PPO)
$0-$300
Prior authorizationAARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$0-$320
Prior authorizationAARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$0-$320
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$115
Aetna Medicare Signature Giveback (PPO)
$115
AARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$130
AARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$40
Aetna Medicare Signature Giveback (PPO)
$40
AARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$0-$50
AARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$0-$50
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$0-$358
Prior authorizationAetna Medicare Signature Giveback (PPO)
$0-$358
Prior authorizationAARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$0-$560
Prior authorizationAARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$0-$325
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Aetna Medicare Signature (PPO)
$315
Prior authorizationAetna Medicare Signature Giveback (PPO)
$300
Prior authorizationAARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$380
Prior authorizationAARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$350
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)
$2,040
for a 5-day stay
Prior authorizationAetna Medicare Signature Giveback (PPO)
$2,040
for a 5-day stay
Prior authorizationAARP Medicare Advantage from UHC SC-0005 (HMO-POS)
$2,740
for a 5-day stay
Prior authorizationAARP Medicare Advantage from UHC SC-0006 (HMO-POS)
$2,275
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 Giveback (PPO) | AARP Medicare Advantage from UHC SC-0005 (HMO-POS) | AARP Medicare Advantage from UHC SC-0006 (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 (pays back $30 a month of your Part B premium) + Part B $209.50 | $0 + Part B $209.50 | $49 + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $9,850 in network; $10,850 in and out of network | $9,850 in network; $10,850 in and out of network | $7,150 in network | $7,150 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-$40 copay | $45 copay | $0-$65 copayPrior authorization | $0-$50 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0-$35 copayPrior authorization | $0-$50 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$300 copayPrior authorization | $0-$300 copayPrior authorization | $0-$320 copayPrior authorization | $0-$320 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $50 copayPrior authorization | $0-$55 copayPrior authorization | $30 copayPrior authorization | $30 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $115 copay | $115 copay | $130 copay | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $40 copay | $40 copay | $0-$50 copay | $0-$50 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$408 copayPrior authorization | $0-$408 copayPrior authorization | $0-$685 copayPrior authorization | $0-$455 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0-$358 copayPrior authorization | $0-$358 copayPrior authorization | $0-$560 copayPrior authorization | $0-$325 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $315 copayPrior authorization | $300 copayPrior authorization | $380 copayPrior authorization | $350 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $408 per day for days 1-6; $0 per day for days 7-90Prior authorization | $408 per day for days 1-6; $0 per day for days 7-90Prior authorization | $685 per day for days 1-4; $0 per day for days 5-90Prior authorization | $455 per day for days 1-6; $0 per day for days 7-90Prior 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 | $0-$25 copayPrior authorization | $0-$25 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $30 copay | $35 copay | $65 copayPrior authorization | $50 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 | 25% 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 | $685 | $685 |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 46% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 28% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 28% coinsurance | Preferred Generic: $0 copayGeneric: $8 copayPreferred Brand: 20% coinsuranceNon-Preferred Drug: 27% coinsuranceSpecialty Tier: 26% coinsurance | Preferred Generic: $0 copayGeneric: $6 copayPreferred Brand: 21% coinsuranceNon-Preferred Drug: 27% coinsuranceSpecialty Tier: 26% coinsurance |
Not sure which of these costs apply to you?
Text us what you have now. We will help you read this comparison and check it with Medicare.gov.
A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In South Carolina, 8 drug plans are for sale for 2027, from $5.30 to $235.30 a month. Half of them cost $50.20 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 Oconee County
Aetna Medicare
- 6 plans for 2027 (not counting special needs plans)
- 4 with a $0 premium; 2 pay back part of your Part B premium
- Yearly limits from $8,200 to $9,850
- Star ratings 3.5 to 4
- Aetna Medicare Signature (PPO) · $0 a month · limit $9,850
- Aetna Medicare Signature Giveback (PPO) · $0 a month · limit $9,850
- Aetna Medicare Value Plus (HMO) · $7 a month · limit $8,200
- Aetna Medicare Signature (HMO) · $0 a month · limit $8,200
- Aetna Medicare Enhanced (PPO) · $33 a month · limit $9,850
- Aetna Medicare Eagle (PPO) · $0 a month · limit $9,850
UnitedHealthcare
- 6 plans for 2027 (not counting special needs plans)
- 4 with a $0 premium; 2 pay back part of your Part B premium
- Yearly limits from $7,150 to $9,850
- Star ratings 3.5 to 4.5
- AARP Medicare Advantage from UHC SC-0005 (HMO-POS) · $0 a month · limit $7,150
- AARP Medicare Advantage from UHC SC-0006 (HMO-POS) · $49 a month · limit $7,150
- AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) · $0 a month · limit $7,150
- AARP Medicare Advantage from UHC SC-0004 (PPO) · $58 a month · limit $7,150
- UHC Medicare Advantage Patriot No Rx GS-MA01 (Regional PPO) · $0 a month · limit $9,850
- AARP Medicare Advantage Patriot No Rx SC-MA2 (PPO) · $0 a month · limit $9,250
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 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 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
AARP Medicare Advantage from UHC SC-0005 (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- You need a referral 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
AARP Medicare Advantage from UHC SC-0006 (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- You need a referral 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 Signature (PPO) | Aetna Medicare Signature Giveback (PPO) | AARP Medicare Advantage from UHC SC-0005 (HMO-POS) | AARP Medicare Advantage from UHC SC-0006 (HMO-POS) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $1,250 a year | Comprehensive, up to $1,000 a year | Preventive only | Comprehensive, up to $1,500 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $100 allowance | Yes, $100 allowance | Yes, $150 allowance | Yes, $200 allowance |
| Hearing aids | No | Yes, up to $1,250 | Yes, up to $1,250 | Yes, up to $700 | Yes, up to $700 |
| Over-the-counter allowance | No | $80 a year | $60 a year | No | $100 a year |
| Fitness benefit | No | Yes | Yes | No | Yes |
| Rides to care | No | No | No | No | No |
| 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 | No | No |
| Part B premium giveback | No | No | $30 a month | No | No |
What changed for 2027
Aetna Medicare Signature (PPO)
Consolidated Renewal Plan · 2026 plan H5521-319-0
- In-network out-of-pocket maximum up from $8,200 to $9,850
- Outpatient hospital: $0-$388 copay to $0-$408 copay
- Ground ambulance: $275 copay to $315 copay
- Inpatient hospital: $388 per day for days 1-7; $0 per day for days 8-90 to $408 per day for days 1-6; $0 per day for days 7-90
- 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
- Dental maximum down from $1,750 to $1,250
- Yearly OTC allowance down from $120 to $80
- Eyewear allowance down from $150 to $100
- Overall star rating down from 4.5 to 4
Aetna Medicare Signature Giveback (PPO)
Renewal Plan with SAR · 2026 plan H5521-140-0
- In-network out-of-pocket maximum up from $8,200 to $9,850
- Specialist visit: $0-$45 copay to $45 copay
- Outpatient hospital: $0-$388 copay to $0-$408 copay
- Ground ambulance: $275 copay to $300 copay
- Inpatient hospital: $388 per day for days 1-7; $0 per day for days 8-90 to $408 per day for days 1-6; $0 per day for days 7-90
- 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 $120 to $60
- Overall star rating down from 4.5 to 4
AARP Medicare Advantage from UHC SC-0005 (HMO-POS)
Renewal Plan · 2026 plan H5322-040-0
- In-network out-of-pocket maximum up from $6,700 to $7,150
- Drug deductible up from $440 to $685
- Specialist visit: $0-$50 copay to $0-$65 copay
- Diagnostic radiology (MRI, CT): $0-$210 copay to $0-$320 copay
- Outpatient hospital: $0-$455 copay to $0-$685 copay
- Ground ambulance: $275 copay to $380 copay
- Inpatient hospital: $455 per day for days 1-6; $0 per day for days 7-90 to $685 per day for days 1-4; $0 per day for days 5-90
- 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
- Eyewear allowance down from $300 to $150
- Fitness benefit removed
- Worldwide emergency coverage removed
- Overall star rating down from 4 to 3.5
AARP Medicare Advantage from UHC SC-0006 (HMO-POS)
Renewal Plan · 2026 plan H5322-044-0
- Monthly premium up from $45 to $49
- In-network out-of-pocket maximum up from $6,700 to $7,150
- Drug deductible up from $440 to $685
- Specialist visit: $0-$35 copay to $0-$50 copay
- Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
- Outpatient hospital: $0-$395 copay to $0-$455 copay
- Ground ambulance: $275 copay to $350 copay
- Inpatient hospital: $395 per day for days 1-6; $0 per day for days 7-90 to $455 per day for days 1-6; $0 per day for days 7-90
- 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
- Dental maximum down from $3,000 to $1,500
- Yearly OTC allowance down from $180 to $100
- Worldwide emergency coverage removed
- Overall star rating down from 4 to 3.5
More 2027 plans in Oconee County
- HumanaChoice Giveback H7617-094 (PPO) (page for Fulton County, GA)
- HumanaChoice Giveback H5216-345 (PPO) (page for Fulton County, GA)
- HumanaChoice H7617-095 (PPO) (page for Horry County, SC)
- Humana Gold Plus H5619-152 (HMO) (page for Horry County, SC)
- Humana USAA Honor Giveback (PPO), H5216-286 (page for Fulton County, GA)
- HumanaChoice H5216-347 (PPO) (page for Horry County, SC)
- Humana Gold Plus Giveback H5619-169 (HMO) (page for Horry County, SC)
- HumanaChoice H5216-280 (PPO) (page for Horry County, SC)
County guide: 2027 plans in Oconee CountyState guide: South Carolina
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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 Oconee County, SC. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 29693 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 Giveback (PPO) on Medicare.gov · plan website · drug list · doctor directory
- AARP Medicare Advantage from UHC SC-0005 (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- AARP Medicare Advantage from UHC SC-0006 (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 29693 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.