Company vs company · Delaware County, PA · 2027 plan year
Independence Blue Cross vs Aetna Medicare 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 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.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
We have no Medigap Plan G price for a 65-year-old woman in Delaware County. Enter the monthly price from your quote, or check Medigap prices for ZIP 19063 on Medicare.gov.
Original Medicare
We have no Medigap Plan G price for a 65-year-old woman here, so we cannot show this total yet. Enter your quote above to see it. Check Medigap prices on Medicare.gov
Keystone 65 Focus Rx (HMO-POS)
HMO-POS from Independence Blue Cross
$5,659 a year
- Premiums
- $2,694
- Medical costs
- $1,085
- Drugs
- $1,880
Most you can pay in a bad year, before drugs: $9,844.
Aetna Medicare Advantra Signature (HMO-POS)
HMO-POS from Aetna Medicare
$5,185 a year
- Premiums
- $2,514
- Medical costs
- $1,465
- Drugs
- $1,206
Most you can pay in a bad year, before drugs: $12,364.
With these settings, Aetna Medicare Advantra Signature (HMO-POS) costs about $474 less a year than Keystone 65 Focus Rx (HMO-POS).
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
Keystone 65 Basic Rx (HMO)
$0
Personal Choice 65 Achieve Rx (PPO)
$0
Aetna Medicare Advantra Signature Giveback (PPO)
$0
Aetna Medicare Advantra Signature (HMO-POS)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Keystone 65 Basic Rx (HMO)
$35
Personal Choice 65 Achieve Rx (PPO)
$60
Aetna Medicare Advantra Signature Giveback (PPO)
$50
Aetna Medicare Advantra Signature (HMO-POS)
$45
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Keystone 65 Basic Rx (HMO)
$0
Prior authorizationPersonal Choice 65 Achieve Rx (PPO)
$0
Prior authorizationAetna Medicare Advantra Signature Giveback (PPO)
$0
Prior authorizationAetna Medicare Advantra Signature (HMO-POS)
$0
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Keystone 65 Basic Rx (HMO)
$0-$350
Prior authorizationPersonal Choice 65 Achieve Rx (PPO)
$0-$600
Prior authorizationAetna Medicare Advantra Signature Giveback (PPO)
$0-$350
Prior authorizationAetna Medicare Advantra Signature (HMO-POS)
$0-$350
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Keystone 65 Basic Rx (HMO)
$115
Personal Choice 65 Achieve Rx (PPO)
$115
Aetna Medicare Advantra Signature Giveback (PPO)
$115
Aetna Medicare Advantra Signature (HMO-POS)
$115
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Keystone 65 Basic Rx (HMO)
$15-$40
Personal Choice 65 Achieve Rx (PPO)
$15-$40
Aetna Medicare Advantra Signature Giveback (PPO)
$40
Aetna Medicare Advantra Signature (HMO-POS)
$40
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Keystone 65 Basic Rx (HMO)
$295
Prior authorizationPersonal Choice 65 Achieve Rx (PPO)
$375
Prior authorizationAetna Medicare Advantra Signature Giveback (PPO)
$0-$338
Prior authorizationAetna Medicare Advantra Signature (HMO-POS)
$0-$325
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Keystone 65 Basic Rx (HMO)
$280
Prior authorizationPersonal Choice 65 Achieve Rx (PPO)
$300
Prior authorizationAetna Medicare Advantra Signature Giveback (PPO)
$300
Prior authorizationAetna Medicare Advantra Signature (HMO-POS)
$350
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
Keystone 65 Basic Rx (HMO)
$1,750
for a 5-day stay
Prior authorizationPersonal Choice 65 Achieve Rx (PPO)
$2,175
for a 5-day stay
Prior authorizationAetna Medicare Advantra Signature Giveback (PPO)
$1,940
for a 5-day stay
Prior authorizationAetna Medicare Advantra Signature (HMO-POS)
$1,875
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | Keystone 65 Basic Rx (HMO) | Personal Choice 65 Achieve Rx (PPO) | Aetna Medicare Advantra Signature Giveback (PPO) | Aetna Medicare Advantra Signature (HMO-POS) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G at the price of your quote + drug plan $5.30 | $15 + Part B $209.50 | $0 + Part B $209.50 | $0 (pays back $42 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. | $9,500 in network | $9,850 in network; $14,800 in and out of network | $9,850 in network; $14,800 in and out of network | $9,850 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $0 | $950 | $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 copay | $60 copay | $50 copay | $45 copay |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$350 copayPrior authorization | $0-$600 copayPrior authorization | $0-$350 copayPrior authorization | $0-$350 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $50 copayPrior authorization | $50 copayPrior authorization | $50 copayPrior authorization | $25 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $115 copay | $115 copay | $115 copay | $115 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $15-$40 copay | $15-$40 copay | $40 copay | $40 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $395 copayPrior authorization | $650 copayPrior authorization | $0-$388 copayPrior authorization | $0-$375 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $295 copayPrior authorization | $375 copayPrior authorization | $0-$338 copayPrior authorization | $0-$325 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $280 copayPrior authorization | $300 copayPrior authorization | $300 copayPrior authorization | $350 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $350 per day for days 1-6; $0 per day for days 7-90Prior authorization | $435 per day for days 1-5; $0 per day for days 6-90Prior authorization | $388 per day for days 1-7; $0 per day for days 8-90Prior authorization | $375 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; $221 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 | $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 | $30 copayPrior authorization | $50 copayPrior authorization | $45 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $25 copay | $55 copay | $35 copay | $35 copay |
| 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 | 20% coinsurancePrior authorization | 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) | $700 | $700 | $700 | $400 |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 49% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 24% coinsuranceNon-Preferred Drug: 25% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 24% coinsuranceNon-Preferred Drug: 25% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 13% coinsuranceNon-Preferred Drug: 30% coinsuranceSpecialty Tier: 29% 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 Pennsylvania, 8 drug plans are for sale for 2027, from $5.30 to $184.40 a month. Half of them cost $65.05 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 Delaware County
Independence Blue Cross
- 11 plans for 2027 (not counting special needs plans)
- 4 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $4,450 to $9,850
- Star ratings 4 to 4
- Keystone 65 Basic Rx (HMO) · $15 a month · limit $9,500
- Personal Choice 65 Achieve Rx (PPO) · $0 a month · limit $9,850
- Keystone 65 Essential Rx (HMO-POS) · $45 a month · limit $9,000
- Keystone 65 Select Rx (HMO) · $94 a month · limit $6,750
- Keystone 65 Focus Rx (HMO-POS) · $15 a month · limit $7,150
- Personal Choice 65 Rx (PPO) · $207 a month · limit $5,950
- Keystone 65 Preferred Rx (HMO) · $178 a month · limit $4,450
- Keystone 65 Liberty Medical Only (HMO) · $0 a month · limit $7,150
- Keystone 65 Select Medical Only (HMO) · $0 a month · limit $6,750
- Keystone 65 Preferred Medical Only (HMO) · $105 a month · limit $4,450
- Keystone 65 Assured Rx (HMO) · $0 a month · limit $9,850
Aetna Medicare
- 7 plans for 2027 (not counting special needs plans)
- 5 with a $0 premium; 2 pay back part of your Part B premium
- Yearly limits from $7,150 to $9,850
- Star ratings 3.5 to 4.5
- Aetna Medicare Advantra Signature Giveback (PPO) · $0 a month · limit $9,850
- Aetna Medicare Advantra Signature (HMO-POS) · $0 a month · limit $9,850
- Aetna Medicare Value Care (HMO-POS) · $43 a month · limit $9,850
- Aetna Medicare Signature Extra (PPO) · $0 a month · limit $7,150
- Aetna Medicare Elite (PPO) · $0 a month · limit $9,850
- Aetna Medicare Advantra Premier (PPO) · $128 a month · limit $7,150
- Aetna Medicare Advantra Eagle (HMO-POS) · $0 a month · limit $7,150
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
Keystone 65 Basic Rx (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- No referral needed to see a specialist.
Prior authorization for 15 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Surgery center, Ambulance, Mental health visits, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Hospital stay, Skilled nursing, Part B drugs
Personal Choice 65 Achieve Rx (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 15 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Surgery center, Ambulance, Mental health visits, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Hospital stay, Skilled nursing, Part B drugs
Aetna Medicare Advantra Signature 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 19 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Aetna Medicare Advantra Signature (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- No referral needed to see a specialist.
Prior authorization for 19 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | Keystone 65 Basic Rx (HMO) | Personal Choice 65 Achieve Rx (PPO) | Aetna Medicare Advantra Signature Giveback (PPO) | Aetna Medicare Advantra Signature (HMO-POS) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $1,200 a year | Preventive only | Comprehensive, up to $500 a year | Comprehensive, up to $500 a year |
| Eye exam | No | Yes | No | Yes | Yes |
| Glasses or contacts | No | Yes, $250 allowance | No | Yes, $100 allowance | Yes, $100 allowance |
| Hearing aids | No | No | Yes, copays from $699 | Yes, up to $500 | Yes, up to $500 |
| Over-the-counter allowance | No | $100 a year | No | $60 a year | No |
| Fitness benefit | No | Yes | No | Yes | Yes |
| Rides to care | No | No | No | No | No |
| Meals after a hospital stay | No | No | No | 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 | No | $42 a month | No |
What changed for 2027
Keystone 65 Basic Rx (HMO)
Renewal Plan · 2026 plan H3952-055-0
- Monthly premium up from $0 to $15
- In-network out-of-pocket maximum up from $8,500 to $9,500
- Drug deductible up from $0 to $700
- Specialist visit: $38 copay to $35 copay
- Diagnostic radiology (MRI, CT): $0-$225 copay to $0-$350 copay
- Outpatient hospital: $355 copay to $395 copay
- Ground ambulance: $240 copay to $280 copay
- Inpatient hospital: $325 per day for days 1-7; $0 per day for days 8-90 to $350 per day for days 1-6; $0 per day for days 7-90
- 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
- Dental maximum down from $2,000 to $1,200
- Yearly OTC allowance down from $240 to $100
- Hearing aids removed
Personal Choice 65 Achieve Rx (PPO)
Renewal Plan · 2026 plan H3909-020-0
- In-network out-of-pocket maximum up from $6,750 to $9,850
- Drug deductible up from $375 to $700
- Specialist visit: $55 copay to $60 copay
- Emergency care: $130 copay to $115 copay
- Urgent care: $10-$50 copay to $15-$40 copay
- Diagnostic radiology (MRI, CT): $0-$500 copay to $0-$600 copay
- Outpatient hospital: $540 copay to $650 copay
- Ground ambulance: $310 copay to $300 copay
- Inpatient hospital: $390 per day for days 1-7; $0 per day for days 8-90 to $435 per day for days 1-5; $0 per day for days 6-90
- 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
- Comprehensive dental removed
- Eyewear removed
- OTC allowance removed
- Fitness benefit removed
Aetna Medicare Advantra Signature Giveback (PPO)
Renewal Plan · 2026 plan H5522-017-0
- In-network out-of-pocket maximum up from $9,250 to $9,850
- Drug deductible up from $615 to $700
- Part B giveback down from $44 to $42
- 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
- Yearly OTC allowance down from $120 to $60
Aetna Medicare Advantra Signature (HMO-POS)
Renewal Plan · 2026 plan H3959-052-0
- In-network out-of-pocket maximum up from $7,500 to $9,850
- Drug deductible down from $615 to $400
- Specialist visit: $0-$50 copay to $45 copay
- Diagnostic radiology (MRI, CT): $0-$295 copay to $0-$350 copay
- Ground ambulance: $300 copay to $350 copay
- Skilled nursing facility: $0 per day for days 1-20; $213 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- OTC allowance removed
- Meals after a hospital stay removed
- Overall star rating down from 4 to 3.5
More 2027 plans in Delaware County
- HumanaChoice H5525-086 (PPO) (page for Philadelphia County, PA)
- Humana Essentials Plus Giveback (PPO), H5525-085 (page for Philadelphia County, PA)
- Humana Total Complete (HMO), H6622-037 (page for Philadelphia County, PA)
- AARP Medicare Advantage Giveback from UHC PA-12 (PPO), H2406-101 (page for Allegheny County, PA)
- Humana Value Choice (PPO), H5525-051 (page for Philadelphia County, PA)
- HealthSpring Preferred Savings (HMO), H3949-053 (page for Philadelphia County, PA)
- UPMC for Life HMO No Rx (HMO), H3907-002 (page for Allegheny County, PA)
- Jefferson Health Plans Giveback (HMO), H9207-015 (page for Philadelphia County, PA)
County guide: 2027 plans in Delaware CountyState guide: Pennsylvania
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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. We do not have a Medigap price for Delaware County, PA. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 19063 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Keystone 65 Basic Rx (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Personal Choice 65 Achieve Rx (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Aetna Medicare Advantra Signature Giveback (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Aetna Medicare Advantra Signature (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 19063 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.