County guide · Montgomery County, PA · 2027 plan year
Original Medicare vs Medicare Advantage in Montgomery County, PA
This guide lists 58 Medicare Advantage plans for 2027 in Montgomery 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
- 58
- $0 premium
- 37 plans
- Lowest in-network limit
- $4,150
- Highest in-network limit
- $9,850
In most states, including Pennsylvania, 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 Pennsylvania 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.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 | ||
| DEVOTED CHOICE GIVEBACK 003 PA (PPO)PPO from Devoted Health · Plan ID H6018-003 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $184.70 of Part B) | $9,850 in network; $14,500 in and out of network | 3 of 5 | 24 services | $534 | $3,561 | $10,263 |
| HealthSpring Preferred Savings (HMO)HMO from HealthSpring · Plan ID H3949-053 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $165 of Part B) | $9,250 in network | 3 of 5 | 24 services | $1,060 | $3,780 | $9,999 |
| Jefferson Health Plans Giveback (HMO)HMO from Jefferson Health Plans · Plan ID H9207-015 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $132 of Part B) | $9,850 in network | 3 of 5 | 17 services | $995 | $4,335 | $10,530 |
| Aetna Medicare Advantra Signature (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3959-052 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $9,850 in network | 3.5 of 5 | 19 services | $2,599 | $5,185 | $11,134 |
| HealthSpring Preferred (HMO)HMO from HealthSpring · Plan ID H3949-052 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $7,700 in network | 3 of 5 | 24 services | $2,574 | $5,226 | $10,004 |
| Perennial Advantage Freedom (HMO)HMO from Perennial Advantage · Plan ID H3419-006 · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 | $4,500 in network | Not enough data available | 19 services | $2,589 | $5,364 | $8,819 |
| Jefferson Health Plans Prime (HMO)HMO from Jefferson Health Plans · Plan ID H9207-002 · Medicare.govIts page is set for Philadelphia County, PA | $12.80 plan + Part B $209.50 | $6,500 in network | 3 of 5 | 17 services | $2,698 | $5,368 | $9,858 |
| Jefferson Health Plans Complete (HMO)HMO from Jefferson Health Plans · Plan ID H9207-012 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $7,500 in network | 3 of 5 | 17 services | $2,559 | $5,424 | $10,354 |
| HealthSpring Preferred PA (HMO)HMO from HealthSpring · Plan ID H3949-031 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $8,700 in network | 3 of 5 | 24 services | $2,665 | $5,425 | $11,213 |
| Jefferson Health Plans Preferred (PPO)PPO from Jefferson Health Plans · Plan ID H1619-004 · Medicare.govIts page is set for Philadelphia County, PA | $40 plan + Part B $209.50 | $6,500 in network; $10,000 in and out of network | 3 of 5 | 18 services | $3,024 | $5,529 | $8,784 |
| Jefferson Health Plans Flex (PPO)PPO from Jefferson Health Plans · Plan ID H1619-001 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $8,000 in network; $10,000 in and out of network | 3 of 5 | 18 services | $2,574 | $5,547 | $10,590 |
| DEVOTED GIVEBACK EXTRAS 036 PA (HMO)HMO from Devoted Health · Plan ID H6852-036 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $8,400 in network | 3.5 of 5 | 24 services | $1,860 | $5,590 | $11,529 |
| Geisinger Gold Value Rx (HMO)HMO from Geisinger Gold · Plan ID H3954-163 · Medicare.govIts page is set for Allegheny County, PA | $29 plan + Part B $209.50 | $9,000 in network | 4 of 5 | 21 services | $2,897 | $5,637 | $10,107 |
| Keystone 65 Focus Rx (HMO-POS)HMO-POS from Independence Blue Cross · Plan ID H3952-054 · Medicare.gov | $15 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 15 services | $2,734 | $5,659 | $10,419 |
| Humana Essentials Plus Giveback (PPO)PPO from Humana · Plan ID H5525-085 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $110 of Part B) | $8,250 in network; $12,000 in and out of network | 4 of 5 | 24 services | $1,543 | $5,666 | $11,844 |
| HealthSpring Preferred Plus (HMO)HMO from HealthSpring · Plan ID H3949-030 · Medicare.govIts page is set for Philadelphia County, PA | $44 plan + Part B $209.50 | $7,150 in network | 3 of 5 | 24 services | $3,117 | $5,718 | $10,697 |
| AARP Medicare Advantage Essentials from UHC PA-5 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-154 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $6,700 in network | 4 of 5 | 24 services | $2,514 | $5,841 | $11,524 |
| AARP Medicare Advantage Giveback from UHC PA-12 (PPO)PPO from UnitedHealthcare · Plan ID H2406-101 · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 (the plan pays back $55 of Part B) | $9,200 in network; $14,800 in and out of network | 4 of 5 | 24 services | $2,569 | $5,853 | $11,724 |
| DEVOTED CORE 023 PA (HMO)HMO from Devoted Health · Plan ID H6852-023 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $7,500 in network | 3.5 of 5 | 24 services | $2,544 | $5,972 | $10,729 |
| Aetna Medicare Advantra Signature Giveback (PPO)PPO from Aetna Medicare · Plan ID H5522-017 · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 (the plan pays back $42 of Part B) | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 19 services | $2,725 | $6,008 | $11,579 |
| Humana USAA Honor Giveback with Rx (PPO)PPO from Humana · Plan ID H5525-059 · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 (the plan pays back $84 of Part B) | $7,350 in network; $10,600 in and out of network | 4 of 5 | 24 services | $1,917 | $6,024 | $11,256 |
| Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H2915-003 · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 | $9,850 in network | 3.5 of 5 | 20 services | $2,778 | $6,051 | $11,055 |
| Aetna Medicare Elite (PPO)PPO from Aetna Medicare · Plan ID H5522-028 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 19 services | $3,229 | $6,077 | $11,331 |
| Keystone 65 Basic Rx (HMO)HMO from Independence Blue Cross · Plan ID H3952-055 · Medicare.govIts page is set for Philadelphia County, PA | $15 plan + Part B $209.50 | $9,500 in network | 4 of 5 | 15 services | $2,744 | $6,105 | $10,874 |
| Aetna Medicare Value Care (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3959-033 · Medicare.govIts page is set for Philadelphia County, PA | $43 plan + Part B $209.50 | $9,850 in network | 3.5 of 5 | 19 services | $3,110 | $6,128 | $11,460 |
| AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-203 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 24 services | $2,514 | $6,147 | $12,064 |
| DEVOTED CHOICE 007 PA (PPO)PPO from Devoted Health · Plan ID H6018-007 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $7,100 in network; $10,750 in and out of network | 3 of 5 | 24 services | $2,601 | $6,275 | $11,937 |
| Keystone 65 Essential Rx (HMO-POS)HMO-POS from Independence Blue Cross · Plan ID H3952-060 · Medicare.govIts page is set for Philadelphia County, PA | $45 plan + Part B $209.50 | $9,000 in network | 4 of 5 | 15 services | $3,099 | $6,280 | $10,384 |
| Keystone 65 Assured Rx (HMO)HMO from Independence Blue Cross · Plan ID H3952-062 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $9,850 in network | 4 of 5 | 15 services | $2,575 | $6,331 | $12,096 |
| Humana Total Complete (HMO)HMO from Humana · Plan ID H6622-037 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $8,200 in network | 4 of 5 | 24 services | $2,589 | $6,377 | $12,849 |
| HealthSpring True Choice (PPO)PPO from HealthSpring · Plan ID H7849-151 · Medicare.govIts page is set for Philadelphia County, PA | $9 plan + Part B $209.50 | $7,900 in network; $12,000 in and out of network | 3 of 5 | 24 services | $3,059 | $6,402 | $11,891 |
| AARP Medicare Advantage from UHC PA-0001 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-145 · Medicare.govIts page is set for Philadelphia County, PA | $63 plan + Part B $209.50 | $6,700 in network | 4 of 5 | 24 services | $3,270 | $6,423 | $11,975 |
| Aetna Medicare Signature Extra (PPO)PPO from Aetna Medicare · Plan ID H5521-263 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 19 services | $3,229 | $6,450 | $12,064 |
| Keystone 65 Select Rx (HMO)HMO from Independence Blue Cross · Plan ID H3952-051 · Medicare.gov | $94 plan + Part B $209.50 | $6,750 in network | 4 of 5 | 15 services | $3,697 | $6,477 | $11,352 |
| AARP Medicare Advantage from UHC PA-0009 (PPO)PPO from UnitedHealthcare · Plan ID H2406-048 · Medicare.govIts page is set for Philadelphia County, PA | $81 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,486 | $6,594 | $13,036 |
| Personal Choice 65 Achieve Rx (PPO)PPO from Independence Blue Cross · Plan ID H3909-020 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 15 services | $2,589 | $6,645 | $13,009 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H5525-051 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $7,750 in network; $10,250 in and out of network | 4 of 5 | 24 services | $2,604 | $6,752 | $12,664 |
| Aetna Medicare Advantra Premier (PPO)PPO from Aetna Medicare · Plan ID H5522-014 · Medicare.govIts page is set for Philadelphia County, PA | $128 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4.5 of 5 | 19 services | $4,100 | $6,833 | $11,565 |
| HumanaChoice H5525-005 (PPO)PPO from Humana · Plan ID H5525-005 · Medicare.govIts page is set for Philadelphia County, PA | $39 plan + Part B $209.50 | $8,300 in network; $11,300 in and out of network | 4 of 5 | 24 services | $3,062 | $7,125 | $13,682 |
| AARP Medicare Advantage from UHC PA-0010 (PPO)PPO from UnitedHealthcare · Plan ID H2406-071 · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,229 | $7,159 | $11,510 |
| AARP Medicare Advantage from UHC PA-0008 (PPO)PPO from UnitedHealthcare · Plan ID H2406-047 · Medicare.govIts page is set for Allegheny County, PA | $60 plan + Part B $209.50 | $5,900 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,949 | $7,234 | $11,534 |
| Keystone 65 Preferred Rx (HMO)HMO from Independence Blue Cross · Plan ID H3952-045 · Medicare.gov | $178 plan + Part B $209.50 | $4,450 in network | 4 of 5 | 15 services | $4,695 | $7,405 | $11,500 |
| Personal Choice 65 Rx (PPO)PPO from Independence Blue Cross · Plan ID H3909-009 · Medicare.gov | $207 plan + Part B $209.50 | $5,950 in network; $9,900 in and out of network | 4 of 5 | 15 services | $5,043 | $7,783 | $12,513 |
| HumanaChoice H5216-120 (PPO)PPO from Humana · Plan ID H5216-120 · Medicare.govIts page is set for Allegheny County, PA | $107 plan + Part B $209.50 | $7,600 in network; $10,500 in and out of network | 4 of 5 | 24 services | $3,868 | $7,881 | $13,223 |
| Complete Blue PPO Distinct (PPO)PPO from Highmark Blue Cross Blue Shield or Highmark Blue Shield · Plan ID H3916-062 · Medicare.govIts page is set for Philadelphia County, PA | $137 plan + Part B $209.50 | $6,750 in network; $10,750 in and out of network | 4.5 of 5 | 17 services | $4,258 | $7,886 | $13,018 |
| HumanaChoice R0110-008 (Regional PPO)Regional PPO from Humana · Plan ID R0110-008 · Medicare.govIts page is set for Allegheny County, PA | $75 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 3.5 of 5 | 24 services | $3,943 | $7,973 | $12,964 |
| AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-152 · No drug coverage · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 (the plan pays back $200 of Part B) | $7,150 in network | 4 of 5 | 24 services | $402 | $8,261 | $27,105 |
| Freedom Blue PPO Valor (PPO)PPO from Highmark Blue Cross Blue Shield or Highmark Blue Shield · Plan ID H3916-056 · No drug coverage · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $125 of Part B) | $6,000 in network; $10,750 in and out of network | 4.5 of 5 | 17 services | $1,352 | $8,961 | $26,090 |
| UPMC for Life HMO No Rx (HMO)HMO from UPMC for Life · Plan ID H3907-002 · No drug coverage · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 (the plan pays back $140 of Part B) | $6,500 in network | 4.5 of 5 | 16 services | $1,212 | $9,116 | $26,575 |
| Geisinger Gold Heritage (HMO)HMO from Geisinger Gold · Plan ID H3954-162 · No drug coverage · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $6,700 in network | 4 of 5 | 21 services | $1,997 | $9,541 | $26,630 |
| Keystone 65 Liberty Medical Only (HMO)HMO from Independence Blue Cross · Plan ID H3952-059 · No drug coverage · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $120 of Part B) | $7,150 in network | 4 of 5 | 15 services | $1,432 | $9,866 | $29,265 |
| Aetna Medicare Advantra Eagle (HMO-POS)HMO-POS from Aetna Medicare · Plan ID H3959-094 · No drug coverage · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $45 of Part B) | $7,150 in network | 3.5 of 5 | 19 services | $2,337 | $10,071 | $29,185 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-221 · No drug coverage · Medicare.govIts page is set for Camden County, NJ | $0 plan + Part B $209.50 (the plan pays back $145 of Part B) | $6,700 in network; $6,700 in and out of network | 4 of 5 | 24 services | $1,152 | $10,096 | $29,050 |
| UPMC for Life PPO Salute (PPO)PPO from UPMC for Life · Plan ID H5533-016 · No drug coverage · Medicare.govIts page is set for Philadelphia County, PA | $0 plan + Part B $209.50 (the plan pays back $45 of Part B) | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 16 services | $2,387 | $10,388 | $29,012 |
| Keystone 65 Select Medical Only (HMO)HMO from Independence Blue Cross · Plan ID H3952-050 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 | $6,750 in network | 4 of 5 | 15 services | $2,857 | $10,731 | $29,400 |
| HumanaChoice Giveback H5216-116 (PPO)PPO from Humana · Plan ID H5216-116 · No drug coverage · Medicare.govIts page is set for Camden County, NJ | $0 plan + Part B $209.50 (the plan pays back $69 of Part B) | $4,150 in network; $6,200 in and out of network | 4 of 5 | 24 services | $2,064 | $11,168 | $27,412 |
| Keystone 65 Preferred Medical Only (HMO)HMO from Independence Blue Cross · Plan ID H3952-008 · No drug coverage · Medicare.govIts page is set for Philadelphia County, PA | $105 plan + Part B $209.50 | $4,450 in network | 4 of 5 | 15 services | $4,107 | $11,911 | $29,800 |
| HumanaChoice R0110-007 (Regional PPO)Regional PPO from Humana · Plan ID R0110-007 · No drug coverage · Medicare.govIts page is set for Allegheny County, PA | $0 plan + Part B $209.50 | $4,750 in network; $5,900 in and out of network | 3.5 of 5 | 24 services | $2,887 | $12,021 | $28,840 |
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 Montgomery County, PA. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 19426 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 19426 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.