County guide · Carroll County, VA · 2027 plan year
Original Medicare vs Medicare Advantage in Carroll County, VA
This guide lists 24 Medicare Advantage plans for 2027 in Carroll County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 24
- $0 premium
- 19 plans
- Lowest in-network limit
- $3,975
- Highest in-network limit
- $9,850
In most states, including Virginia, 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 Virginia 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. Virginia’s birthday rule helps only people who already have Medigap, not people who leave Medicare Advantage.
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.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | We have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov | ||
| Humana Essentials Plus Giveback (PPO)PPO from Humana · Plan ID H7617-100 · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 (the plan pays back $119 of Part B) | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 24 services | $1,566 | $4,696 | $10,156 |
| Humana Essentials Plus Giveback (PPO)PPO from Humana · Plan ID H5216-308 · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 (the plan pays back $119 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $1,566 | $4,696 | $10,156 |
| Aetna Medicare Signature (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3931-101 · Medicare.govIts page is set for Chesterfield County, VA | $0 plan + Part B $209.50 | $7,500 in network | 3.5 of 5 | 19 services | $2,584 | $5,332 | $10,439 |
| Humana Gold Plus H6622-085 (HMO)HMO from Humana · Plan ID H6622-085 · Medicare.govIts page is set for Fairfax County, VA | $0 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 24 services | $2,579 | $5,363 | $11,069 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H5216-266 · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,594 | $5,555 | $11,334 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H7617-098 · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $2,599 | $5,585 | $11,394 |
| Humana Total Complete (HMO)HMO from Humana · Plan ID H6622-083 · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 24 services | $2,599 | $5,620 | $11,524 |
| Anthem Medicare Advantage 3 (HMO-POS)HMO-POS from Anthem HealthKeepers · Plan ID H3447-052 · Medicare.govIts page is set for Pittsylvania County, VA | $0 plan + Part B $209.50 | $3,975 in network | 3 of 5 | 23 services | $2,589 | $5,675 | $8,889 |
| HumanaChoice H5216-363 (PPO)PPO from Humana · Plan ID H5216-363 · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $2,574 | $5,677 | $11,274 |
| HumanaChoice H5216-408 (PPO)PPO from Humana · Plan ID H5216-408 · Medicare.govIts page is set for Fairfax County, VA | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $2,921 | $6,081 | $11,727 |
| Humana Total Complete (HMO)HMO from Humana · Plan ID H6622-091 · Medicare.govIts page is set for Fairfax County, VA | $0 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 24 services | $2,910 | $6,126 | $11,903 |
| HumanaChoice H7617-125 (PPO)PPO from Humana · Plan ID H7617-125 · Medicare.govIts page is set for Virginia Beach city, VA | $58 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 24 services | $3,295 | $6,316 | $12,220 |
| AARP Medicare Advantage Essentials from UHC VA-6 (PPO)PPO from UnitedHealthcare · Plan ID H2001-098 · Medicare.govIts page is set for Spotsylvania County, VA | $0 plan + Part B $209.50 | $8,900 in network; $14,800 in and out of network | 4.5 of 5 | 24 services | $3,229 | $6,487 | $12,474 |
| Aetna Medicare Enhanced (PPO)PPO from Aetna Medicare · Plan ID H5521-084 · Medicare.govIts page is set for Virginia Beach city, VA | $41 plan + Part B $209.50 | $6,900 in network; $8,900 in and out of network | 4 of 5 | 19 services | $3,721 | $6,647 | $11,715 |
| AARP Medicare Advantage Extras from UHC VA-18 (PPO)PPO from UnitedHealthcare · Plan ID H2406-125 · Medicare.govIts page is set for Spotsylvania County, VA | $0 plan + Part B $209.50 | $9,300 in network; $14,800 in and out of network | 4 of 5 | 24 services | $3,229 | $6,718 | $12,842 |
| Anthem Medicare Advantage (PPO)PPO from Anthem Blue Cross and Blue Shield · Plan ID H4909-014 · Medicare.govIts page is set for Virginia Beach city, VA | $30 plan + Part B $209.50 | $8,950 in network; $11,300 in and out of network | 3 of 5 | 23 services | $3,589 | $6,995 | $12,862 |
| Aetna Medicare Premier (PPO)PPO from Aetna Medicare · Plan ID H5521-652 · Medicare.govIts page is set for Virginia Beach city, VA | $79 plan + Part B $209.50 | $6,750 in network; $8,750 in and out of network | 4 of 5 | 19 services | $4,177 | $7,167 | $12,323 |
| Humana Full Access (Regional PPO)Regional PPO from Humana · Plan ID R0110-005 · Medicare.govIts page is set for Mecklenburg County, NC | $158 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $4,495 | $7,723 | $13,420 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-310 · No drug coverage · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 (the plan pays back $162 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $943 | $9,197 | $28,706 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-101 · No drug coverage · Medicare.govIts page is set for Virginia Beach city, VA | $0 plan + Part B $209.50 (the plan pays back $162 of Part B) | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 24 services | $943 | $9,197 | $28,706 |
| Aetna Medicare Eagle Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-322 · No drug coverage · Medicare.govIts page is set for Fairfax County, VA | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $6,750 in network; $7,750 in and out of network | 4 of 5 | 19 services | $1,672 | $9,430 | $28,077 |
| AARP Medicare Advantage Patriot No Rx VA-MA01 (PPO)PPO from UnitedHealthcare · Plan ID H2001-099 · No drug coverage · Medicare.govIts page is set for Fairfax County, VA | $0 plan + Part B $209.50 (the plan pays back $165 of Part B) | $8,900 in network; $14,800 in and out of network | 4.5 of 5 | 24 services | $1,537 | $9,919 | $30,157 |
| Humana USAA Honor Giveback (Regional PPO)Regional PPO from Humana · Plan ID R0110-006 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC | $0 plan + Part B $209.50 (the plan pays back $52 of Part B) | $9,850 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $2,263 | $10,517 | $29,901 |
| HumanaChoice R0110-004 (Regional PPO)Regional PPO from Humana · Plan ID R0110-004 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $2,887 | $11,147 | $30,670 |
A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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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. 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 Carroll County, VA. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 24343 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 24343 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.