Plan vs plan · Pepin County, WI · 2027 plan year

Humana USAA Honor Giveback (PPO) vs AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)

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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Humana USAA Honor Giveback (PPO)

Plan premium: $0 a month
Yearly limit, in network: $6,000
2027 star rating: 4 of 5
Prior authorization needed for: 24 services

AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)

Plan premium: $0 a month
Yearly limit, in network: $7,150
2027 star rating: 3 of 5
Prior authorization needed for: 24 services

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.gov

Your yearly cost, side by side

Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.

How much care do you expect?

Ongoing specialist care

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 54736 on Medicare.gov

Specialist visits a year6Days in the hospital0

Brand-name drugs you fill each month1

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.

Humana USAA Honor Giveback (PPO)

PPO from Humana

$9,393 a year

Premiums: $714
Medical costs: $1,647
Drugs: $7,032

Most you can pay in a bad year, before drugs: $6,714. This plan has no drug coverage, and its members cannot add a separate drug plan. We count drugs at full price. People often pick it when they get drugs from the VA, TRICARE, or an employer.

AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)

PPO from UnitedHealthcare

$11,149 a year

Premiums: $1,734
Medical costs: $2,383
Drugs: $7,032

Most you can pay in a bad year, before drugs: $8,884. This plan has no drug coverage, and its members cannot add a separate drug plan. We count drugs at full price. People often pick it when they get drugs from the VA, TRICARE, or an employer.

With these settings, Original Medicare costs about $3,260 less a year than Humana USAA Honor Giveback (PPO).

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.

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What 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
Humana USAA Honor Giveback (PPO)
$0
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$0

Specialist visit

Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Humana USAA Honor Giveback (PPO)
$45
Prior authorization
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$0-$65
Prior authorization

Lab tests

Original Medicare, no Medigap
$0
most Medicare-covered tests
Humana USAA Honor Giveback (PPO)
$0
Prior authorization
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$0
Prior authorization

MRI or CT scan

Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Humana USAA Honor Giveback (PPO)
$0-$345
Prior authorization
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$0-$320
Prior authorization

Emergency room

Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Humana USAA Honor Giveback (PPO)
$130
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$130

Urgent care

Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Humana USAA Honor Giveback (PPO)
$50
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$0-$50

Outpatient surgery

Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Humana USAA Honor Giveback (PPO)
$0-$300
Prior authorization
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$0-$470
Prior authorization

Ground ambulance

Original Medicare, no Medigap
20%
after the $292 yearly Part B deductible
Humana USAA Honor Giveback (PPO)
$325
Prior authorization
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$350
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
Humana USAA Honor Giveback (PPO)
$1,475
for a 5-day stay
Prior authorization
AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
$2,280
for a 5-day stay
Prior authorization

See every cost in one table

What you pay in network	Original Medicare, no Medigap	Humana USAA Honor Giveback (PPO)	AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
Monthly premium	Part B $209.50 + drug plan $10.30	$0 (pays back $150 a month of your Part B premium) + Part B $209.50	$0 (pays back $65 a month of your Part B premium) + Part B $209.50
Yearly limit on what you pay	No yearly limit	$6,000 in network; $10,100 in and out of network	$7,150 in network; $10,750 in and out of network
Medical deductible	$292 Part B; $1,788 Part A each benefit period	$100	$1,000
Primary doctor visit	20%, after the $292 yearly Part B deductible	$0 copay	$0 copay
Specialist visit	20%, after the $292 yearly Part B deductible	$45 copayPrior authorization	$0-$65 copayPrior authorization
Lab tests	$0, most Medicare-covered tests	$0 copayPrior authorization	$0 copayPrior authorization
MRI or CT scan	20%, after the $292 yearly Part B deductible	$0-$345 copayPrior authorization	$0-$320 copayPrior authorization
X-rays	20%, after the $292 yearly Part B deductible	$0-$145 copayPrior authorization	$30 copayPrior authorization
Emergency room	20%, after the $292 yearly Part B deductible	$130 copay	$130 copay
Urgent care	20%, after the $292 yearly Part B deductible	$50 copay	$0-$50 copay
Outpatient hospital	20%, after the $292 yearly Part B deductible	$0-$400 copayPrior authorization	$0-$570 copayPrior authorization
Surgery center	20%, after the $292 yearly Part B deductible	$0-$300 copayPrior authorization	$0-$470 copayPrior authorization
Ground ambulance	20%, after the $292 yearly Part B deductible	$325 copayPrior authorization	$350 copayPrior authorization
Hospital stay	$1,788, Part A deductible each benefit period; $447 a day for days 61-90	$295 per day for days 1-6; $0 per day for days 7-90Prior authorization	$570 per day for days 1-4; $0 per day for days 5-90Prior 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	$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	$0-$25 copayPrior authorization
Physical therapy	20%, after the $292 yearly Part B deductible	$40 copayPrior authorization	$65 copayPrior authorization
Home health care	$0, Medicare-covered home health	$0 copayPrior authorization	$0 copayPrior authorization
Medical equipment	20%, after the $292 yearly Part B deductible	18% coinsurancePrior authorization	30% coinsurancePrior authorization
Part B drugs	20% after the $292 Part B deductible	0%-20% coinsurancePrior authorization	0%-20% coinsurancePrior authorization
Drug deductible (Part D)	$700 with AARP Medicare Rx Saver from UHC (PDP)	No drug coverage	No drug coverage
Drug tiers (one month, retail)	Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 20% coinsuranceNon-Preferred Drug: 31% coinsuranceSpecialty Tier: 25% coinsurance	No drug coverage	No drug coverage

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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

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

Humana USAA Honor Giveback (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 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 Patriot No Rx WI-MA01 (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 24 services

Extra benefits

Extra benefit	Original Medicare	Humana USAA Honor Giveback (PPO)	AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)
Dental	No	Comprehensive, up to $1,000 a year	Preventive only
Eye exam	No	Yes	Yes
Glasses or contacts	No	Yes, $200 allowance	Yes, $250 allowance
Hearing aids	No	Yes, copays from $575	Yes, up to $700
Over-the-counter allowance	No	$400 a year	$180 a year
Fitness benefit	No	Yes	Yes
Rides to care	No	No	No
Meals after a hospital stay	No	Yes	No
Emergency care abroad	No, unless your Medigap plan pays for it	Yes	No
Part B premium giveback	No	$150 a month	$65 a month

What changed for 2027

Humana USAA Honor Giveback (PPO)

Consolidated Renewal Plan · 2026 plan H5216-355-0

Part B giveback up from $145 to $150
Diagnostic radiology (MRI, CT): $0-$335 copay to $0-$345 copay
Outpatient hospital: $0-$350 copay to $0-$400 copay
Ground ambulance: $335 copay to $325 copay
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
Overall star rating up from 3.5 to 4

AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)

Renewal Plan with SAR · 2026 plan H0294-014-0

In-network out-of-pocket maximum up from $6,700 to $7,150
Medical deductible up from $0 to $1,000
Part B giveback up from $0 to $65
Specialist visit: $0-$55 copay to $0-$65 copay
Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
Outpatient hospital: $0-$540 copay to $0-$570 copay
Ground ambulance: $290 copay to $350 copay
Inpatient hospital: $540 per day for days 1-4; $0 per day for days 5-90 to $570 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
Eyewear allowance up from $150 to $250
OTC allowance added
Meals after a hospital stay removed
Worldwide emergency coverage removed
Overall star rating down from 3.5 to 3

More 2027 plans in Pepin County

County guide: 2027 plans in Pepin County State 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 54736 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.

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.

See all comparisons

Humana USAA Honor Giveback (PPO) vs AARP Medicare Advantage Patriot No Rx WI-MA01 (PPO)

Your yearly cost, side by side

What you pay each time you get care

A higher drug plan premium is not, by itself, a reason to switch

Doctors, referrals, and prior authorization

Extra benefits

What changed for 2027

More 2027 plans in Pepin County

Questions about your choice? Text us.

Sources and method

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