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Plan vs plan · Prince George's County, MD · 2027 plan year

Kaiser Permanente Medicare Advantage Value 1 MD (HMO) vs HumanaChoice H7617-044 (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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Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

Plan premium
$0 a month
Yearly limit, in network
$8,200
2027 star rating
4.5 of 5
Prior authorization needed for
24 services

HumanaChoice H7617-044 (PPO)

Plan premium
$0 a month
Yearly limit, in network
$8,050
2027 star rating
4.5 of 5
Prior authorization needed for
24 services

In most states, including Maryland, 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 Maryland 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. Maryland’s birthday rule helps only people who already have Medigap, not people who leave Medicare Advantage.

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

Plan G pays almost everything after the $292 yearly Part B deductible.

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

Maryland Insurance Administration, monthly Medicare Supplement premiums (as of July 1, 2026) lists $177 to $343 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 $177 a month and Wellcare Value Script (PDP)

$7,169 a year

Premiums
$4,702
Medical costs
$292
Drugs
$2,175

Most you can pay in a bad year, before drugs: $4,994.

Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

HMO from Kaiser Permanente

$4,589 a year

Premiums
$2,514
Medical costs
$1,535
Drugs
$540

Most you can pay in a bad year, before drugs: $10,714.

HumanaChoice H7617-044 (PPO)

PPO from Humana

$7,296 a year

Premiums
$2,514
Medical costs
$3,079
Drugs
$1,703

Most you can pay in a bad year, before drugs: $10,564.

With these settings, Kaiser Permanente Medicare Advantage Value 1 MD (HMO) costs about $2,580 less a year than Original Medicare.

Tipping point for Kaiser Permanente Medicare Advantage Value 1 MD (HMO): with this drug use, if your medical copays and coinsurance in this plan pass $4,115 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $8,200.

Tipping point for HumanaChoice H7617-044 (PPO): with this drug use, if your medical copays and coinsurance in this plan pass $2,952 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $8,050.

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: Plan G.

Primary doctor visit

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $0

  • HumanaChoice H7617-044 (PPO)

    $0

Specialist visit

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $45

    Prior authorization

  • HumanaChoice H7617-044 (PPO)

    $55

    Prior authorization

Lab tests

  • Original Medicare + Medigap Plan G

    $0

    most Medicare-covered tests

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $0

    Prior authorization

  • HumanaChoice H7617-044 (PPO)

    $0

    Prior authorization

MRI or CT scan

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $40-$400

    Prior authorization

  • HumanaChoice H7617-044 (PPO)

    $0-$780

    Prior authorization

Emergency room

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $115

  • HumanaChoice H7617-044 (PPO)

    $115

Urgent care

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $40

  • HumanaChoice H7617-044 (PPO)

    $40

Outpatient surgery

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $330

    Prior authorization

  • HumanaChoice H7617-044 (PPO)

    $0-$900

    Prior authorization

Ground ambulance

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $275

    Prior authorization

  • HumanaChoice H7617-044 (PPO)

    $325

    Prior authorization

Hospital stay, 5 days

  • Original Medicare + Medigap Plan G

    $0

    Plan G pays the $1,788 Part A deductible

  • Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

    $1,975

    for a 5-day stay

    Prior authorization

  • HumanaChoice H7617-044 (PPO)

    $2,035

    for a 5-day stay

    Prior authorization
See every cost in one table
What you pay in networkOriginal Medicare + Medigap Plan GKaiser Permanente Medicare Advantage Value 1 MD (HMO)HumanaChoice H7617-044 (PPO)
Monthly premiumPart B $209.50 + Medigap Plan G $177 + drug plan $5.30$0 + Part B $209.50$0 + Part B $209.50
Yearly limit on what you payYou pay the $292 Part B deductible. Plan G pays the rest.$8,200 in network$8,050 in network; $13,400 in and out of network
Medical deductible$292 Part B. Plan G pays the $1,788 Part A deductible.$0$650
Primary doctor visit$0, after the $292 yearly Part B deductible$0 copay$0 copay
Specialist visit$0, after the $292 yearly Part B deductible$45 copayPrior authorization$55 copayPrior authorization
Lab tests$0, most Medicare-covered tests$0 copayPrior authorization$0 copayPrior authorization
MRI or CT scan$0, after the $292 yearly Part B deductible$40-$400 copayPrior authorization$0-$780 copayPrior authorization
X-rays$0, after the $292 yearly Part B deductible$40 copayPrior authorization$0-$145 copayPrior authorization
Emergency room$0, after the $292 yearly Part B deductible$115 copay$115 copay
Urgent care$0, after the $292 yearly Part B deductible$40 copay$40 copay
Outpatient hospital$0, after the $292 yearly Part B deductible$0-$330 copayPrior authorization$0-$1,000 copayPrior authorization
Surgery center$0, after the $292 yearly Part B deductible$330 copayPrior authorization$0-$900 copayPrior authorization
Ground ambulance$0, after the $292 yearly Part B deductible$275 copayPrior authorization$325 copayPrior authorization
Hospital stay$0, Plan G pays the $1,788 Part A deductible$395 per day for days 1-6; $0 per day for days 7-90Prior authorization$407 per day for days 1-6; $0 per day for days 7-90Prior 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
Mental health visit$0, after the $292 yearly Part B deductible$20 copayPrior authorization$35 copayPrior authorization
Physical therapy$0, after the $292 yearly Part B deductible$35 copayPrior authorization$35 copayPrior authorization
Home health care$0, Medicare-covered home health$0 copayPrior authorization$0 copayPrior authorization
Medical equipment$0, after the $292 yearly Part B deductible0%-20% coinsurancePrior authorization18% coinsurancePrior authorization
Part B drugs$0 after the $292 Part B deductible$6-$47 copay, 0%-20% coinsurancePrior authorization0%-20% coinsurancePrior authorization
Drug deductible (Part D)$700 with Wellcare Value Script (PDP)$0$700
Drug tiers (one month, retail)Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 46% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copayPreferred Generic: $0 copayGeneric: $6 copayPreferred Brand: $45 copayNon-Preferred Drug: $90 copaySpecialty Tier: 28% coinsuranceVaccines: $0 copayPreferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 38% coinsuranceSpecialty Tier: 25% coinsurance

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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 Maryland, 9 drug plans are for sale for 2027, from $5.30 to $174.90 a month. Half of them cost $36.60 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

Kaiser Permanente Medicare Advantage Value 1 MD (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

HumanaChoice H7617-044 (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

Extra benefits

Extra benefitOriginal MedicareKaiser Permanente Medicare Advantage Value 1 MD (HMO)HumanaChoice H7617-044 (PPO)
DentalNoComprehensive, up to $500 a yearPreventive only
Eye examNoYesYes
Glasses or contactsNoYes, $200 allowanceYes, $200 allowance
Hearing aidsNoYes, up to $1,000Yes, copays from $575
Over-the-counter allowanceNo$100 a yearNo
Fitness benefitNoYesNo
Rides to careNoYesNo
Meals after a hospital stayNoNoYes
Emergency care abroadPlan G and Plan N pay 80% after a $250 deductibleYesYes
Part B premium givebackNoNoNo

What changed for 2027

Kaiser Permanente Medicare Advantage Value 1 MD (HMO)

Renewal Plan · 2026 plan H2172-025-0

  • Specialist visit: $40 copay to $45 copay
  • Diagnostic radiology (MRI, CT): $40-$250 copay to $40-$400 copay
  • Outpatient hospital: $0-$350 copay to $0-$330 copay
  • Inpatient hospital: $360 per day for days 1-5; $0 per day for days 6-90 to $395 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
  • Rides to care added

HumanaChoice H7617-044 (PPO)

Renewal Plan with SAR · 2026 plan H7617-044-0

  • Monthly premium down from $9 to $0
  • In-network out-of-pocket maximum up from $7,550 to $8,050
  • Medical deductible up from $500 to $650
  • Drug deductible up from $615 to $700
  • Specialist visit: $45 copay to $55 copay
  • Outpatient hospital: $0-$975 copay to $0-$1,000 copay
  • Ground ambulance: $335 copay to $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

More 2027 plans in Prince George's County

County guide: 2027 plans in Prince George's CountyState guide: Maryland

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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 Maryland Insurance Administration, monthly Medicare Supplement premiums (as of July 1, 2026), pulled 2026-10-13. They are statewide prices for Maryland. 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.

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