Company vs company · Hamilton County, FL · 2027 plan year
Humana vs Florida Blue Medicare Advantage plans
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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In most states, including Florida, 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 Florida 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.govYour yearly cost, side by side
Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.
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
Florida Office of Insurance Regulation, CHOICES Medicare Supplement rate search lists $201 to $329 a month for a 65-year-old woman who does not use tobacco. We start at the lowest price. Health questions can raise the price after your first 6 months with Part B.
Original Medicare
With Medigap Plan G at $201 a month and Wellcare Value Script (PDP)
$7,452 a year
- Premiums
- $4,985
- Medical costs
- $292
- Drugs
- $2,175
Most you can pay in a bad year, before drugs: $5,277.
HumanaChoice R5826-074 (Regional PPO)
Regional PPO from Humana
$5,361 a year
- Premiums
- $2,934
- Medical costs
- $2,427
- Drugs
- $0
Most you can pay in a bad year, before drugs: $10,484.
BlueMedicare Select (PPO)
PPO from Florida Blue
$8,053 a year
- Premiums
- $3,708
- Medical costs
- $2,524
- Drugs
- $1,821
Most you can pay in a bad year, before drugs: $10,858.
With these settings, HumanaChoice R5826-074 (Regional PPO) costs about $2,091 less a year than Original Medicare.
Tipping point for HumanaChoice R5826-074 (Regional PPO): with this drug use, if your medical copays and coinsurance in this plan pass $4,518 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $7,550.
Tipping point for BlueMedicare Select (PPO): with this drug use, if your medical copays and coinsurance in this plan pass $1,923 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $7,150.
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.
Text us about this comparisonWhat 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: Plan G.
Primary doctor visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
HumanaChoice Florida H7284-009 (PPO)
$0
Humana USAA Honor Giveback (PPO)
$0
BlueMedicare Select (PPO)
$0
BlueMedicare Patriot (PPO)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
HumanaChoice Florida H7284-009 (PPO)
$35
Prior authorizationHumana USAA Honor Giveback (PPO)
$50
Prior authorizationBlueMedicare Select (PPO)
$55
BlueMedicare Patriot (PPO)
$55
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
HumanaChoice Florida H7284-009 (PPO)
$0
Prior authorizationHumana USAA Honor Giveback (PPO)
$0
Prior authorizationBlueMedicare Select (PPO)
$0-$40
Prior authorizationBlueMedicare Patriot (PPO)
$0-$40
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
HumanaChoice Florida H7284-009 (PPO)
$0-$335
Prior authorizationHumana USAA Honor Giveback (PPO)
$0-$335
Prior authorizationBlueMedicare Select (PPO)
$0-$250
Prior authorizationBlueMedicare Patriot (PPO)
$0-$250
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
HumanaChoice Florida H7284-009 (PPO)
$130
Humana USAA Honor Giveback (PPO)
$130
BlueMedicare Select (PPO)
$130
BlueMedicare Patriot (PPO)
$115
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
HumanaChoice Florida H7284-009 (PPO)
$15
Humana USAA Honor Giveback (PPO)
$15
BlueMedicare Select (PPO)
$50
BlueMedicare Patriot (PPO)
$40
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
HumanaChoice Florida H7284-009 (PPO)
$0-$215
Prior authorizationHumana USAA Honor Giveback (PPO)
$0-$250
Prior authorizationBlueMedicare Select (PPO)
$0-$275
Prior authorizationBlueMedicare Patriot (PPO)
$300
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
HumanaChoice Florida H7284-009 (PPO)
$120-$240
Prior authorizationHumana USAA Honor Giveback (PPO)
$120-$325
Prior authorizationBlueMedicare Select (PPO)
$0-$285
Prior authorizationBlueMedicare Patriot (PPO)
$0-$275
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
HumanaChoice Florida H7284-009 (PPO)
$1,775
for a 5-day stay
Prior authorizationHumana USAA Honor Giveback (PPO)
$1,750
for a 5-day stay
Prior authorizationBlueMedicare Select (PPO)
$1,925
for a 5-day stay
Prior authorizationBlueMedicare Patriot (PPO)
$1,925
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | HumanaChoice Florida H7284-009 (PPO) | Humana USAA Honor Giveback (PPO) | BlueMedicare Select (PPO) | BlueMedicare Patriot (PPO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G $201 + drug plan $5.30 | $38.90 + Part B $209.50 | $0 (pays back $60 a month of your Part B premium) + Part B $209.50 | $99.50 + Part B $209.50 | $0 (pays back $75 a month of your Part B premium) + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $6,750 in network; $8,900 in and out of network | $6,000 in network; $9,000 in and out of network | $7,150 in network; $10,100 in and out of network | $9,850 in network; $14,800 in and out of network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $0 | $1,500 | $0 |
| Primary doctor visit | $0, after the $292 yearly Part B deductible | $0 copay | $0 copay | $0 copay | $0 copay |
| Specialist visit | $0, after the $292 yearly Part B deductible | $35 copayPrior authorization | $50 copayPrior authorization | $55 copay | $55 copay |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $0-$40 copayPrior authorization | $0-$40 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$335 copayPrior authorization | $0-$335 copayPrior authorization | $0-$250 copayPrior authorization | $0-$250 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $0-$125 copayPrior authorization | $0-$50 copay, 20% coinsurancePrior authorization | $50-$150 copayPrior authorization | $15-$150 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $130 copay | $130 copay | $130 copay | $115 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $15 copay | $15 copay | $50 copay | $40 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$315 copayPrior authorization | $0-$350 copayPrior authorization | $0-$325 copayPrior authorization | $350 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0-$215 copayPrior authorization | $0-$250 copayPrior authorization | $0-$275 copayPrior authorization | $300 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $120-$240 copayPrior authorization | $120-$325 copayPrior authorization | $0-$285 copayPrior authorization | $0-$275 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $355 per day for days 1-5; $0 per day for days 6-90Prior authorization | $350 per day for days 1-6; $0 per day for days 7-90Prior authorization | $385 per day for days 1-7; $0 per day for days 8-90Prior authorization | $385 per day for days 1-7; $0 per day for days 8-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $0 per day for days 1-20; $160 per day for days 21-100Prior authorization | $0 per day for days 1-20; $160 per day for days 21-100Prior authorization | $0 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 | $0, after the $292 yearly Part B deductible | $30 copayPrior authorization | $0 copayPrior authorization | $40 copayPrior authorization | $40 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $10-$35 copayPrior authorization | $35 copayPrior authorization | $13-$40 copayPrior authorization | $0-$40 copayPrior authorization |
| Home health care | $0, Medicare-covered home health | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| Medical equipment | $0, after the $292 yearly Part B deductible | $0 copay, 20% coinsurancePrior authorization | $0 copay, 20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 20% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization |
| Drug deductible (Part D) | $700 with Wellcare Value Script (PDP) | $700 | No drug coverage | $700 | No drug coverage |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 45% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 50% coinsuranceSpecialty Tier: 25% coinsurance | No drug coverage | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 19% coinsuranceNon-Preferred Drug: 26% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $0 copay | No drug coverage |
Not sure which of these costs apply to you?
Text us what you have now. We will help you read this comparison and check it with Medicare.gov.
A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In Florida, 11 drug plans are for sale for 2027, from $5.30 to $326 a month. Half of them cost $126 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
The two companies in Hamilton County
Humana
- 7 plans for 2027 (not counting special needs plans)
- 3 with a $0 premium; 2 pay back part of your Part B premium
- Yearly limits from $6,000 to $7,550
- Star ratings 3.5 to 4
- HumanaChoice Florida H7284-009 (PPO) · $38.90 a month · limit $6,750
- Humana USAA Honor Giveback (PPO) · $0 a month · limit $6,000
- HumanaChoice R5826-074 (Regional PPO) · $35 a month · limit $7,550
- HumanaChoice R5826-005 (Regional PPO) · $161 a month · limit $6,700
- HumanaChoice R5826-018 (Regional PPO) · $9 a month · limit $7,550
- HumanaChoice Florida H7284-011 (PPO) · $0 a month · limit $7,150
- Humana Essentials Plus Giveback (PPO) · $0 a month · limit $7,150
Florida Blue
- 2 plans for 2027 (not counting special needs plans)
- 1 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $7,150 to $9,850
- Star ratings 3 to 3
- BlueMedicare Select (PPO) · $99.50 a month · limit $7,150
- BlueMedicare Patriot (PPO) · $0 a month · limit $9,850
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
HumanaChoice Florida H7284-009 (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
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
BlueMedicare Select (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 20 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Substance use care, Hospital stay, Skilled nursing, Part B drugs
BlueMedicare Patriot (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 20 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | HumanaChoice Florida H7284-009 (PPO) | Humana USAA Honor Giveback (PPO) | BlueMedicare Select (PPO) | BlueMedicare Patriot (PPO) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $1,000 a year | Comprehensive, up to $2,000 a year | Comprehensive | Comprehensive |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $200 allowance | Yes, $200 allowance | Yes, $100 allowance | Yes, $200 allowance |
| Hearing aids | No | Yes, copays from $499 | Yes, copays from $499 | Yes, copays from $350 | Yes, copays from $350 |
| Over-the-counter allowance | No | No | $200 a year | No | No |
| Fitness benefit | No | No | Yes | Yes | Yes |
| Rides to care | No | No | No | No | No |
| Meals after a hospital stay | No | No | Yes | No | No |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | Yes | Yes | Yes | Yes |
| Part B premium giveback | No | No | $60 a month | No | $75 a month |
What changed for 2027
HumanaChoice Florida H7284-009 (PPO)
Renewal Plan with SAE · 2026 plan H7284-009-0
- Monthly premium down from $39 to $39
- Drug deductible up from $615 to $700
Humana USAA Honor Giveback (PPO)
Renewal Plan · 2026 plan H5216-257-0
- Part B giveback down from $70 to $60
- Diagnostic radiology (MRI, CT): $0-$325 copay to $0-$335 copay
- Outpatient hospital: $0-$325 copay to $0-$350 copay
- Ground ambulance: $120-$240 copay to $120-$325 copay
- Yearly OTC allowance down from $400 to $200
- Rides to care removed
- Overall star rating up from 3.5 to 4
BlueMedicare Select (PPO)
Renewal Plan with SAR · 2026 plan H5434-045-0
- Monthly premium up from $58 to $100
- In-network out-of-pocket maximum up from $6,750 to $7,150
- Drug deductible up from $615 to $700
- Outpatient hospital: $0-$325 copay, 20% coinsurance to $0-$325 copay
- 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 added
- Overall star rating down from 3.5 to 3
BlueMedicare Patriot (PPO)
Renewal Plan · 2026 plan H5434-046-0
- In-network out-of-pocket maximum up from $6,750 to $9,850
- Medical deductible down from $950 to $0
- Emergency care: $130 copay to $115 copay
- Urgent care: $50 copay to $40 copay
- 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
- OTC allowance removed
- Overall star rating down from 3.5 to 3
More 2027 plans in Hamilton County
- AARP Medicare Advantage from UHC FL-0031 (Regional PPO), R0759-001 (page for Miami-Dade County, FL)
- AARP Medicare Advantage from UHC FL-0009 (HMO-POS), H1045-033 (page for Alachua County, FL)
- AARP Medicare Advantage Patriot No Rx FL-MA01 (Regional PPO), R0759-002 (page for Miami-Dade County, FL)
County guide: 2027 plans in Hamilton CountyState guide: Florida
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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. Medigap prices come from Florida Office of Insurance Regulation, CHOICES Medicare Supplement rate search, pulled 2026-10-13. They are for ZIP 32052. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- HumanaChoice Florida H7284-009 (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Humana USAA Honor Giveback (PPO) on Medicare.gov · plan website · drug list · doctor directory
- BlueMedicare Select (PPO) on Medicare.gov · plan website · drug list · doctor directory
- BlueMedicare Patriot (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices: Florida Office of Insurance Regulation, CHOICES Medicare Supplement rate search
- 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.