County guide · Cowlitz County, WA · 2027 plan year
Original Medicare vs Medicare Advantage in Cowlitz County, WA
This guide lists 21 Medicare Advantage plans for 2027 in Cowlitz 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
- 21
- $0 premium
- 13 plans
- Lowest in-network limit
- $4,000
- Highest in-network limit
- $9,850
In most states, including Washington, 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 Washington 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. Washington lets current Medigap members switch plans any time, but people who leave Medicare Advantage may get health questions.
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 from $233 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $5,666 | $7,841 | $8,066 |
| DEVOTED CHOICE GIVEBACK 002 WA (PPO)PPO from Devoted Health · Plan ID H8917-002 · Medicare.govIts page is set for Pierce County, WA | $0 plan + Part B $209.50 (the plan pays back $143 of Part B) | $9,850 in network; $13,100 in and out of network | Not enough data available | 24 services | $1,016 | $3,960 | $10,670 |
| Kaiser Permanente Senior Advantage Value (HMO-POS)HMO-POS from Kaiser Permanente · Plan ID H9003-009 · Medicare.govIts page is set for Clark County, WA | $0 plan + Part B $209.50 | $6,750 in network | 4.5 of 5 | 24 services | $2,609 | $4,774 | $11,424 |
| Kaiser Permanente Senior Advantage Standard (HMO-POS)HMO-POS from Kaiser Permanente · Plan ID H9003-006 · Medicare.govIts page is set for Clark County, WA | $49 plan + Part B $209.50 | $5,250 in network | 4.5 of 5 | 24 services | $3,192 | $5,017 | $10,512 |
| Humana Gold Plus H1036-322 (HMO)HMO from Humana · Plan ID H1036-322 · Medicare.govIts page is set for Clark County, WA | $0 plan + Part B $209.50 | $5,990 in network | 4.5 of 5 | 24 services | $2,843 | $5,420 | $10,904 |
| DEVOTED CHOICE 001 WA (PPO)PPO from Devoted Health · Plan ID H8917-001 · Medicare.govIts page is set for Pierce County, WA | $0 plan + Part B $209.50 | $7,500 in network; $10,450 in and out of network | Not enough data available | 24 services | $2,656 | $5,558 | $11,405 |
| Humana Gold Plus H5619-174 (HMO)HMO from Humana · Plan ID H5619-174 · Medicare.govIts page is set for Clark County, WA | $0 plan + Part B $209.50 | $5,900 in network | 4 of 5 | 24 services | $2,991 | $5,558 | $10,814 |
| Kaiser Permanente Senior Advantage Enhanced (HMO-POS)HMO-POS from Kaiser Permanente · Plan ID H9003-001 · Medicare.govIts page is set for Clark County, WA | $134 plan + Part B $209.50 | $4,000 in network | 4.5 of 5 | 24 services | $4,222 | $5,782 | $10,282 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H5216-428 · Medicare.govIts page is set for King County, WA | $0 plan + Part B $209.50 | $6,050 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,609 | $5,882 | $10,964 |
| Humana Total Complete (HMO)HMO from Humana · Plan ID H5619-133 · Medicare.govIts page is set for Pierce County, WA | $0 plan + Part B $209.50 | $6,310 in network | 4 of 5 | 24 services | $3,164 | $6,050 | $11,224 |
| AARP Medicare Advantage from UHC WA-6 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H3805-017 · Medicare.govIts page is set for King County, WA | $0 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 24 services | $2,514 | $6,085 | $12,064 |
| AARP Medicare Advantage from UHC WA-0005 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H3805-015 · Medicare.govIts page is set for King County, WA | $55 plan + Part B $209.50 | $6,700 in network | 3.5 of 5 | 24 services | $3,174 | $6,720 | $12,274 |
| AARP Medicare Advantage from UHC WA-14 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H3805-044 · Medicare.govIts page is set for King County, WA | $35 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 24 services | $2,934 | $6,735 | $12,484 |
| AARP Medicare Advantage from UHC WA-18 (PPO)PPO from UnitedHealthcare · Plan ID H2001-146 · Medicare.govIts page is set for King County, WA | $10 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $3,349 | $6,899 | $12,184 |
| Humana Gold Plus H5619-061 (HMO)HMO from Humana · Plan ID H5619-061 · Medicare.govIts page is set for King County, WA | $86 plan + Part B $209.50 | $4,200 in network | 4 of 5 | 24 services | $3,651 | $6,919 | $10,146 |
| HumanaChoice H5216-048 (PPO)PPO from Humana · Plan ID H5216-048 · Medicare.govIts page is set for King County, WA | $97 plan + Part B $209.50 | $7,000 in network; $10,100 in and out of network | 4 of 5 | 24 services | $3,860 | $7,123 | $13,078 |
| HumanaChoice H7617-016 (PPO)PPO from Humana · Plan ID H7617-016 · Medicare.govIts page is set for King County, WA | $110 plan + Part B $209.50 | $7,000 in network; $10,100 in and out of network | 4.5 of 5 | 24 services | $4,016 | $7,279 | $13,234 |
| AARP Medicare Advantage Patriot No RX WA-MA3 (PPO)PPO from UnitedHealthcare · Plan ID H2001-148 · No drug coverage · Medicare.govIts page is set for King County, WA | $0 plan + Part B $209.50 (the plan pays back $140 of Part B) | $7,150 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $1,122 | $9,571 | $29,560 |
| AARP Medicare Advantage Patriot No Rx WA-MA02 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H3805-035 · No drug coverage · Medicare.govIts page is set for King County, WA | $0 plan + Part B $209.50 (the plan pays back $135 of Part B) | $7,150 in network | 3.5 of 5 | 24 services | $1,182 | $9,701 | $29,620 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-427 · No drug coverage · Medicare.govIts page is set for King County, WA | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $9,150 in network; $13,900 in and out of network | 4 of 5 | 24 services | $1,687 | $9,879 | $29,555 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-021 · No drug coverage · Medicare.govIts page is set for King County, WA | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $9,150 in network; $13,900 in and out of network | 4.5 of 5 | 24 services | $1,687 | $9,879 | $29,555 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-455 · No drug coverage · Medicare.govIts page is set for King County, WA | $0 plan + Part B $209.50 (the plan pays back $43 of Part B) | $5,100 in network; $10,100 in and out of network | 4 of 5 | 24 services | $2,376 | $10,665 | $28,674 |
Original Medicare totals use the lowest Plan G price that Washington Office of the Insurance Commissioner SHIBA, monthly Medigap rates for ages 65 and up (current as of 10/8/2026) lists for a 65-year-old woman who does not use tobacco, $233 a month. 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. Medigap prices come from Washington Office of the Insurance Commissioner SHIBA, monthly Medigap rates for ages 65 and up (current as of 10/8/2026), pulled 2026-10-13. They are statewide prices for Washington. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices: Washington Office of the Insurance Commissioner SHIBA, monthly Medigap rates for ages 65 and up (current as of 10/8/2026)
- 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.