Company vs company · Pasco County, FL · 2027 plan year
Humana vs Optimum HealthCare, Inc. 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.
Pinnie Direct is a free text line. Pinnie does not sell plans.
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 $344 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.
Humana Gold Plus Giveback H1036-265 (HMO)
HMO from Humana
$2,078 a year
- Premiums
- $512
- Medical costs
- $840
- Drugs
- $726
Most you can pay in a bad year, before drugs: $2,912.
Optimum Gold Rewards Plan (HMO)
HMO from Optimum HealthCare, Inc.
$1,014 a year
- Premiums
- $79
- Medical costs
- $575
- Drugs
- $360
Most you can pay in a bad year, before drugs: $1,979.
With these settings, Optimum Gold Rewards Plan (HMO) costs about $1,064 less a year than Humana Gold Plus Giveback H1036-265 (HMO).
Tipping point for Humana Gold Plus Giveback H1036-265 (HMO): with this drug use, the plan costs less than Original Medicare with Plan G at every level of medical care.
Tipping point for Optimum Gold Rewards Plan (HMO): with this drug use, the plan costs less than Original Medicare with Plan G at every level of medical care.
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
Humana Gold Plus Giveback H1036-265 (HMO)
$0
Humana Value Choice (PPO)
$0
Optimum Gold Rewards Plan (HMO)
$0
Optimum Platinum Plan (HMO)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus Giveback H1036-265 (HMO)
$10
Prior authorizationHumana Value Choice (PPO)
$40
Prior authorizationOptimum Gold Rewards Plan (HMO)
$10
Prior authorizationOptimum Platinum Plan (HMO)
$0
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Humana Gold Plus Giveback H1036-265 (HMO)
$0
Prior authorizationHumana Value Choice (PPO)
$0
Prior authorizationOptimum Gold Rewards Plan (HMO)
$0-$50
Prior authorizationOptimum Platinum Plan (HMO)
$0-$50
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus Giveback H1036-265 (HMO)
$0-$250
Prior authorizationHumana Value Choice (PPO)
$0-$335
Prior authorizationOptimum Gold Rewards Plan (HMO)
$25-$95
Prior authorizationOptimum Platinum Plan (HMO)
$25-$75
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus Giveback H1036-265 (HMO)
$150
Humana Value Choice (PPO)
$130
Optimum Gold Rewards Plan (HMO)
$150
Optimum Platinum Plan (HMO)
$120
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus Giveback H1036-265 (HMO)
$15
Humana Value Choice (PPO)
$15
Optimum Gold Rewards Plan (HMO)
$10
Optimum Platinum Plan (HMO)
$10
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus Giveback H1036-265 (HMO)
$0-$75
Prior authorizationHumana Value Choice (PPO)
$0-$250
Prior authorizationOptimum Gold Rewards Plan (HMO)
$25
Prior authorizationOptimum Platinum Plan (HMO)
$0
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus Giveback H1036-265 (HMO)
$0-$240
Prior authorizationHumana Value Choice (PPO)
$120-$325
Prior authorizationOptimum Gold Rewards Plan (HMO)
$200
Prior authorizationOptimum Platinum Plan (HMO)
$200
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
Humana Gold Plus Giveback H1036-265 (HMO)
$500
for a 5-day stay
Prior authorizationHumana Value Choice (PPO)
$1,450
for a 5-day stay
Prior authorizationOptimum Gold Rewards Plan (HMO)
$475
for a 5-day stay
Prior authorizationOptimum Platinum Plan (HMO)
$0
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | Humana Gold Plus Giveback H1036-265 (HMO) | Humana Value Choice (PPO) | Optimum Gold Rewards Plan (HMO) | Optimum Platinum Plan (HMO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G $201 + drug plan $5.30 | $0 (pays back $166.80 a month of your Part B premium) + Part B $209.50 | $0 (pays back $3.40 a month of your Part B premium) + Part B $209.50 | $0 (pays back $202.90 a month of your Part B premium) + Part B $209.50 | $0 + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $2,400 in network | $5,600 in network; $9,100 in and out of network | $1,900 in network | $1,000 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $0 | $0 | $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 | $10 copayPrior authorization | $40 copayPrior authorization | $10 copayPrior authorization | $0 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $0-$50 copayPrior authorization | $0-$50 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$250 copayPrior authorization | $0-$335 copayPrior authorization | $25-$95 copayPrior authorization | $25-$75 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $0-$100 copayPrior authorization | $0-$40 copay, 20% coinsurancePrior authorization | $0-$95 copayPrior authorization | $0-$75 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $150 copay | $130 copay | $150 copay | $120 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $15 copay | $15 copay | $10 copay | $10 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$175 copayPrior authorization | $0-$350 copayPrior authorization | $95 copayPrior authorization | $75 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0-$75 copayPrior authorization | $0-$250 copayPrior authorization | $25 copayPrior authorization | $0 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $0-$240 copayPrior authorization | $120-$325 copayPrior authorization | $200 copayPrior authorization | $200 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $125 per day for days 1-4; $0 per day for days 5-90Prior authorization | $290 per day for days 1-6; $0 per day for days 7-90Prior authorization | $95 per day for days 1-5; $0 per day for days 6-90Prior authorization | $0 per stayPrior 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; $218 per day for days 21-100Prior authorization | $0 per day for days 1-20; $95 per day for days 21-100Prior authorization |
| Mental health visit | $0, after the $292 yearly Part B deductible | $10 copayPrior authorization | $30 copayPrior authorization | $10 copayPrior authorization | $0 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $15-$30 copayPrior authorization | $40-$50 copayPrior authorization | $10 copayPrior authorization | $0 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 | 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) | $0 | $700 | $0 | $0 |
| 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: $0 copayPreferred Brand: 11% coinsuranceNon-Preferred Drug: 50% coinsuranceSpecialty Tier: 33% coinsurance | Preferred Generic: $0 copayGeneric: $10 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 50% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayPreferred Brand: $30 copayNon-Preferred Drug: $70 copaySpecialty Tier: 33% coinsurance | Preferred Generic: $0 copayPreferred Brand: $5 copayNon-Preferred Drug: $50 copaySpecialty Tier: 33% coinsurance |
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 Pasco County
Humana
- 14 plans for 2027 (not counting special needs plans)
- 11 with a $0 premium; 10 pay back part of your Part B premium
- Yearly limits from $1,500 to $7,550
- Star ratings 4 to 4.5
- Humana Gold Plus Giveback H1036-265 (HMO) · $0 a month · limit $2,400
- Humana Value Choice (PPO) · $0 a month · limit $5,600
- CareFree Platinum Giveback (HMO) · $0 a month · limit $2,400
- Humana USAA Honor Giveback (PPO) · $0 a month · limit $6,750
- Humana Gold Plus H1036-025 (HMO) · $0 a month · limit $2,000
- CareOne Plus (HMO-POS) · $0 a month · limit $1,500
- Humana USAA Honor Giveback (PPO) · $0 a month · limit $6,000
- HumanaChoice R5826-074 (Regional PPO) · $35 a month · limit $7,550
- Humana USAA Honor Giveback (HMO) · $0 a month · limit $3,900
- HumanaChoice R5826-005 (Regional PPO) · $161 a month · limit $6,700
- CareSalute (HMO) · $0 a month · limit $4,150
- HumanaChoice R5826-018 (Regional PPO) · $9 a month · limit $7,550
- CareAccess (HMO) · $0 a month · limit $4,000
- Humana Essentials Plus Giveback (PPO) · $0 a month · limit $7,150
Optimum HealthCare, Inc.
- 4 plans for 2027 (not counting special needs plans)
- 4 with a $0 premium; 2 pay back part of your Part B premium
- Yearly limits from $1,000 to $4,450
- Star ratings 4 to 4.5
- Optimum Gold Rewards Plan (HMO) · $0 a month · limit $1,900
- Optimum Platinum Plan (HMO) · $0 a month · limit $1,000
- Freedom Savings Plan (HMO) · $0 a month · limit $4,450
- Freedom Medicare Plan Rx (HMO) · $0 a month · limit $4,450
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 Gold Plus Giveback H1036-265 (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral 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 Value Choice (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
Optimum Gold Rewards Plan (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral to see a specialist.
Prior authorization for 22 services
Specialist visits, 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, Diabetic supplies, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Optimum Platinum Plan (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral to see a specialist.
Prior authorization for 22 services
Specialist visits, 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, Diabetic supplies, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | Humana Gold Plus Giveback H1036-265 (HMO) | Humana Value Choice (PPO) | Optimum Gold Rewards Plan (HMO) | Optimum Platinum Plan (HMO) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $1,250 a year | Comprehensive, up to $500 a year | Comprehensive | Comprehensive |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $300 allowance | Yes, $200 allowance | Yes, $400 allowance | Yes, $400 allowance |
| Hearing aids | No | Yes, copays from $199 | Yes, copays from $499 | Yes, up to $750 | Yes, up to $750 |
| Over-the-counter allowance | No | No | No | $480 a year | $540 a year |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | Yes | No | Yes | Yes |
| Meals after a hospital stay | No | No | No | Yes | Yes |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | Yes | Yes | Yes | Yes |
| Part B premium giveback | No | $167 a month | $3 a month | $203 a month | No |
What changed for 2027
Humana Gold Plus Giveback H1036-265 (HMO)
Renewal Plan · 2026 plan H1036-265-1
- Part B giveback up from $166 to $167
Humana Value Choice (PPO)
Consolidated Renewal Plan · 2026 plan H5216-304-0
- In-network out-of-pocket maximum up from $4,700 to $5,600
- Drug deductible up from $615 to $700
- Part B giveback up from $0 to $3
- Specialist visit: $30 copay to $40 copay
- Outpatient hospital: $0-$225 copay to $0-$350 copay
- Ground ambulance: $120-$240 copay to $120-$325 copay
- Inpatient hospital: $425 per day for days 1-4; $0 per day for days 5-90 to $290 per day for days 1-6; $0 per day for days 7-90
- Dental maximum down from $1,000 to $500
- Eyewear allowance up from $150 to $200
- OTC allowance removed
- Fitness benefit added
- Meals after a hospital stay removed
- Overall star rating up from 3.5 to 4
Optimum Gold Rewards Plan (HMO)
Renewal Plan · 2026 plan H5594-001-0
- Part B giveback up from $185 to $203
- Yearly OTC allowance down from $720 to $480
Optimum Platinum Plan (HMO)
Renewal Plan · 2026 plan H5594-002-0
- Yearly OTC allowance down from $1,020 to $540
More 2027 plans in Pasco County
- AARP Medicare Advantage from UHC FL-003P (HMO-POS), H1045-045 (page for Hillsborough County, FL)
- AARP Medicare Advantage from UHC FL-0006 (HMO-POS), H1045-028 (page for Hillsborough County, FL)
- AARP Medicare Advantage from UHC FL-0019 (PPO), H2406-011 (page for Hillsborough County, FL)
- AARP Medicare Advantage from UHC FL-0031 (Regional PPO), R0759-001 (page for Miami-Dade County, FL)
- BayCarePlus Rewards (HMO), H2235-002 (page for Hillsborough County, FL)
- Aetna Medicare Signature Legacy (PPO), H5521-270 (page for Hillsborough County, FL)
- BayCarePlus Complete (HMO), H2235-001 (page for Hillsborough County, FL)
- AARP Medicare Advantage Patriot No Rx FL-MA2 (PPO), H2406-130 (page for Palm Beach County, FL)
County guide: 2027 plans in Pasco 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 33523. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Humana Gold Plus Giveback H1036-265 (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Humana Value Choice (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Optimum Gold Rewards Plan (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Optimum Platinum Plan (HMO) 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.