Company vs company · Rock County, WI · 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.
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In most states, including Wisconsin, 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 Wisconsin 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.
Medigap plan with Original Medicare
Wisconsin sets its own Medigap plans: a basic plan with optional riders, two cost-sharing plans, and a high-deductible plan. These plans are not the plans with letters, such as Plan G and Plan N. We have no prices for these plans, so the totals show Original Medicare without Medigap. Without Medigap you pay 20% of most costs, with no yearly limit. Check Medigap plans and prices for ZIP 53511 on Medicare.gov
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
Original Medicare
With no Medigap and AARP Medicare Rx Saver from UHC (PDP)
$6,133 a year
- Premiums
- $2,638
- Medical costs
- $1,616
- Drugs
- $1,880
No yearly limit on what you pay for medical care.
Aetna Medicare Signature (PPO)
PPO from Aetna Medicare
$5,962 a year
- Premiums
- $2,514
- Medical costs
- $1,745
- Drugs
- $1,703
Most you can pay in a bad year, before drugs: $8,414.
AARP Medicare Advantage from UHC WI-0012 (HMO-POS)
HMO-POS from UnitedHealthcare
$6,499 a year
- Premiums
- $3,222
- Medical costs
- $1,350
- Drugs
- $1,927
Most you can pay in a bad year, before drugs: $9,122.
With these settings, Aetna Medicare Signature (PPO) costs about $171 less a year than Original Medicare.
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: no Medigap.
Primary doctor visit
Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Aetna Medicare Eagle (PPO)
$0
Aetna Medicare Signature (PPO)
$0
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$0
AARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$0
Specialist visit
Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Aetna Medicare Eagle (PPO)
$40
Aetna Medicare Signature (PPO)
$50
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$0-$65
Prior authorizationAARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$0-$55
Prior authorization
Lab tests
Original Medicare, no Medigap
$0
most Medicare-covered tests
Aetna Medicare Eagle (PPO)
$0
Prior authorizationAetna Medicare Signature (PPO)
$0-$10
Prior authorizationAARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$0
Prior authorizationAARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$0
Prior authorization
MRI or CT scan
Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Aetna Medicare Eagle (PPO)
$0-$250
Prior authorizationAetna Medicare Signature (PPO)
$0-$300
Prior authorizationAARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$0-$320
Prior authorizationAARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$0-$320
Prior authorization
Emergency room
Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Aetna Medicare Eagle (PPO)
$130
Aetna Medicare Signature (PPO)
$130
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$130
AARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$130
Urgent care
Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Aetna Medicare Eagle (PPO)
$45
Aetna Medicare Signature (PPO)
$50
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$0-$50
AARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$0-$50
Outpatient surgery
Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Aetna Medicare Eagle (PPO)
$0-$250
Prior authorizationAetna Medicare Signature (PPO)
$0-$385
Prior authorizationAARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$0-$570
Prior authorizationAARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$0-$355
Prior authorization
Ground ambulance
Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Aetna Medicare Eagle (PPO)
$290
Prior authorizationAetna Medicare Signature (PPO)
$295
Prior authorizationAARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$350
Prior authorizationAARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$325
Prior authorization
Hospital stay, 5 days
Original Medicare, no Medigap
$1,788
Part A deductible each benefit period; $447 a day for days 61-90
Aetna Medicare Eagle (PPO)
$1,500
for a 5-day stay
Prior authorizationAetna Medicare Signature (PPO)
$2,175
for a 5-day stay
Prior authorizationAARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
$2,680
for a 5-day stay
Prior authorizationAARP Medicare Advantage from UHC WI-0012 (HMO-POS)
$2,275
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare, no Medigap | Aetna Medicare Eagle (PPO) | Aetna Medicare Signature (PPO) | AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) | AARP Medicare Advantage from UHC WI-0012 (HMO-POS) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + drug plan $10.30 | $0 (pays back $70 a month of your Part B premium) + Part B $209.50 | $0 + Part B $209.50 | $0 (pays back $105 a month of your Part B premium) + Part B $209.50 | $59 + Part B $209.50 |
| Yearly limit on what you pay | No yearly limit | $5,200 in network; $10,750 in and out of network | $5,900 in network; $10,750 in and out of network | $7,150 in network | $5,900 in network |
| Medical deductible | $292 Part B; $1,788 Part A each benefit period | $0 | $0 | $0 | $0 |
| Primary doctor visit | 20%, after the $292 yearly Part B deductible | $0 copay | $0 copay | $0 copay | $0 copay |
| Specialist visit | 20%, after the $292 yearly Part B deductible | $40 copay | $50 copay | $0-$65 copayPrior authorization | $0-$55 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0-$10 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| MRI or CT scan | 20%, after the $292 yearly Part B deductible | $0-$250 copayPrior authorization | $0-$300 copayPrior authorization | $0-$320 copayPrior authorization | $0-$320 copayPrior authorization |
| X-rays | 20%, after the $292 yearly Part B deductible | $20 copayPrior authorization | $20 copayPrior authorization | $30 copayPrior authorization | $30 copayPrior authorization |
| Emergency room | 20%, after the $292 yearly Part B deductible | $130 copay | $130 copay | $130 copay | $130 copay |
| Urgent care | 20%, after the $292 yearly Part B deductible | $45 copay | $50 copay | $0-$50 copay | $0-$50 copay |
| Outpatient hospital | 20%, after the $292 yearly Part B deductible | $0-$300 copayPrior authorization | $0-$435 copayPrior authorization | $0-$670 copayPrior authorization | $0-$455 copayPrior authorization |
| Surgery center | 20%, after the $292 yearly Part B deductible | $0-$250 copayPrior authorization | $0-$385 copayPrior authorization | $0-$570 copayPrior authorization | $0-$355 copayPrior authorization |
| Ground ambulance | 20%, after the $292 yearly Part B deductible | $290 copayPrior authorization | $295 copayPrior authorization | $350 copayPrior authorization | $325 copayPrior authorization |
| Hospital stay | $1,788, Part A deductible each benefit period; $447 a day for days 61-90 | $300 per day for days 1-6; $0 per day for days 7-90Prior authorization | $435 per day for days 1-6; $0 per day for days 7-90Prior authorization | $670 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, days 1-20, then $223.50 a day for 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 | $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 | 20%, after the $292 yearly Part B deductible | $0 copayPrior authorization | $40 copayPrior authorization | $0-$25 copayPrior authorization | $0-$25 copayPrior authorization |
| Physical therapy | 20%, after the $292 yearly Part B deductible | $40 copay | $50 copay | $65 copayPrior authorization | $55 copayPrior authorization |
| Home health care | $0, Medicare-covered home health | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| Medical equipment | 20%, after the $292 yearly Part B deductible | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization | 30% coinsurancePrior authorization | 20% coinsurancePrior authorization |
| Part B drugs | 20% 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 AARP Medicare Rx Saver from UHC (PDP) | No drug coverage | $700 | No drug coverage | $685 |
| Drug tiers (one month, retail) | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 20% coinsuranceNon-Preferred Drug: 31% coinsuranceSpecialty Tier: 25% coinsurance | No drug coverage | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 25% coinsurance | No drug coverage | 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 Wisconsin, 8 drug plans are for sale for 2027, from $5.30 to $189.10 a month. Half of them cost $10.85 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 Rock County
Aetna Medicare
- 3 plans for 2027 (not counting special needs plans)
- 2 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $5,200 to $5,900
- Star ratings 4 to 4
- Aetna Medicare Eagle (PPO) · $0 a month · limit $5,200
- Aetna Medicare Signature (PPO) · $0 a month · limit $5,900
- Aetna Medicare Enhanced (PPO) · $37 a month · limit $5,500
UnitedHealthcare
- 3 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 $5,900 to $7,150
- Star ratings 3 to 4
- AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) · $0 a month · limit $7,150
- AARP Medicare Advantage from UHC WI-0012 (HMO-POS) · $59 a month · limit $5,900
- AARP Medicare Advantage from UHC WI-0002 (PPO) · $99 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 Eagle (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
AARP Medicare Advantage Patriot No Rx WI-MA02 (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 WI-0012 (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 Eagle (PPO) | Aetna Medicare Signature (PPO) | AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) | AARP Medicare Advantage from UHC WI-0012 (HMO-POS) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $3,750 a year | Preventive only | Comprehensive, up to $1,500 a year | Comprehensive, up to $1,000 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $300 allowance | Yes, $100 allowance | Yes, $250 allowance | Yes, $200 allowance |
| Hearing aids | No | Yes, up to $1,250 | Yes, up to $500 | Yes, up to $1,000 | Yes, up to $1,000 |
| Over-the-counter allowance | No | $400 a year | No | $220 a year | No |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | No | No | No | No |
| Meals after a hospital stay | No | Yes | No | Yes | Yes |
| Emergency care abroad | No, unless your Medigap plan pays for it | Yes | Yes | No | No |
| Part B premium giveback | No | $70 a month | No | $105 a month | No |
What changed for 2027
Aetna Medicare Eagle (PPO)
Renewal Plan with SAR · 2026 plan H5521-286-0
- In-network out-of-pocket maximum up from $4,900 to $5,200
- Specialist visit: $30 copay to $40 copay
- Skilled nursing facility: $0 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
- Hearing aid allowance down from $1,500 to $1,250
- Overall star rating down from 4.5 to 4
Aetna Medicare Signature (PPO)
Renewal Plan · 2026 plan H5521-289-0
- Drug deductible up from $615 to $700
- Specialist visit: $45 copay to $50 copay
- Urgent care: $40 copay to $50 copay
- Outpatient hospital: $0-$410 copay to $0-$435 copay
- Inpatient hospital: $410 per day for days 1-6; $0 per day for days 7-90 to $435 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
- Comprehensive dental removed
- Overall star rating down from 4.5 to 4
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
Renewal Plan with SAR · 2026 plan H5253-021-0
- In-network out-of-pocket maximum up from $6,700 to $7,150
- Part B giveback up from $65 to $105
- Specialist visit: $0-$55 copay to $0-$65 copay
- Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
- Outpatient hospital: $0-$550 copay to $0-$670 copay
- Ground ambulance: $290 copay to $350 copay
- Inpatient hospital: $550 per day for days 1-4; $0 per day for days 5-90 to $670 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
- Yearly OTC allowance up from $120 to $220
- Eyewear allowance up from $200 to $250
- Worldwide emergency coverage removed
AARP Medicare Advantage from UHC WI-0012 (HMO-POS)
Renewal Plan with SAR · 2026 plan H5253-030-0
- Monthly premium up from $44 to $59
- In-network out-of-pocket maximum up from $4,900 to $5,900
- Drug deductible up from $440 to $685
- Specialist visit: $0-$45 copay to $0-$55 copay
- Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
- Outpatient hospital: $0-$395 copay to $0-$455 copay
- Ground ambulance: $290 copay to $325 copay
- Inpatient hospital: $395 per day for days 1-7; $0 per day for days 8-90 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
- OTC allowance removed
- Worldwide emergency coverage removed
More 2027 plans in Rock County
- Humana Total Complete (HMO), H6622-001 (page for Milwaukee County, WI)
- Humana USAA Honor Giveback (PPO), H5216-355 (page for Cook County, IL)
- Humana USAA Honor Giveback (PPO), H7617-022 (page for Cook County, IL)
- Dean Advantage Essential (HMO), H9096-004 (page for Dane County, WI)
- HumanaChoice H5216-006 (PPO) (page for Dane County, WI)
- HumanaChoice H7617-007 (PPO) (page for McHenry County, IL)
- Dean Advantage Balance (HMO-POS), H9096-002 (page for Dane County, WI)
- Humana USAA Honor Giveback (Regional PPO), R5361-001 (page for Cook County, IL)
County guide: 2027 plans in Rock CountyState guide: Wisconsin
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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. Wisconsin sets its own Medigap plans: a basic plan with optional riders, two cost-sharing plans, and a high-deductible plan. These plans are not the plans with letters, such as Plan G and Plan N. We have no prices or cost model for these plans, so the totals show Original Medicare without Medigap. You can look up Medigap plans and prices for ZIP 53511 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Aetna Medicare Eagle (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Aetna Medicare Signature (PPO) on Medicare.gov · plan website · drug list · doctor directory
- AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- AARP Medicare Advantage from UHC WI-0012 (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 53511 on Medicare.gov
- Medigap plans in Wisconsin: Medicare.gov, Choosing a Medigap Policy (2026), Section 7
- 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.