County guide · Pierce County, WI · 2027 plan year
Original Medicare vs Medicare Advantage in Pierce County, WI
This guide lists 6 Medicare Advantage plans for 2027 in Pierce County, with the yearly cost of each one next to Original Medicare without Medigap. Special needs plans are not on this list.
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- Plans
- 6
- $0 premium
- 4 plans
- Lowest in-network limit
- $6,000
- Highest in-network limit
- $9,250
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.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 without Medigapand the lowest-cost drug plan | Part B $209.50 + a drug plan from $5.30 | No yearly limit. You pay 20% of most costs. | Not rated | Short list of services | $2,936 | $6,133 | $10,673 |
| Cooperative Medicare Advantage (HMO)HMO from Group Health Cooperative of Eau Claire · Plan ID H7598-004 · Medicare.govIts page is set for Marathon County, WI | $0 plan + Part B $209.50 | $6,700 in network | Not enough data available | 19 services | $2,649 | $5,511 | $11,529 |
| HumanaChoice H7617-007 (PPO)PPO from Humana · Plan ID H7617-007 · Medicare.govIts page is set for McHenry County, IL | $60 plan + Part B $209.50 | $9,250 in network; $13,900 in and out of network | 4.5 of 5 | 24 services | $3,324 | $6,468 | $11,959 |
| HumanaChoice R5361-002 (Regional PPO)Regional PPO from Humana · Plan ID R5361-002 · Medicare.govIts page is set for Cook County, IL | $87 plan + Part B $209.50 | $7,700 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $3,723 | $6,897 | $12,403 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-355 · No drug coverage · Medicare.govIts page is set for Cook County, IL | $0 plan + Part B $209.50 (the plan pays back $150 of Part B) | $6,000 in network; $10,100 in and out of network | 4 of 5 | 24 services | $1,184 | $9,393 | $28,290 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-022 · No drug coverage · Medicare.govIts page is set for Cook County, IL | $0 plan + Part B $209.50 (the plan pays back $150 of Part B) | $6,000 in network; $10,100 in and out of network | 4.5 of 5 | 24 services | $1,184 | $9,393 | $28,290 |
| Humana USAA Honor Giveback (Regional PPO)Regional PPO from Humana · Plan ID R5361-001 · No drug coverage · Medicare.govIts page is set for Cook County, IL | $0 plan + Part B $209.50 (the plan pays back $30 of Part B) | $6,750 in network; $10,100 in and out of network | 3.5 of 5 | 24 services | $2,624 | $10,836 | $30,480 |
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. This guide has no prices for these plans, so the Original Medicare totals leave out Medigap. 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 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. 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 54011 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 54011 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.