Plan vs plan · Mason County, WA · 2027 plan year
Kaiser Permanente Medicare Advantage Vital Sound (HMO) vs DEVOTED CORE 006 WA (HMO)
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 Vital Sound (HMO)
- Plan premium
- $55 a month
- Yearly limit, in network
- $6,500
- 2027 star rating
- 4.5 of 5
- Prior authorization needed for
- 21 services
DEVOTED CORE 006 WA (HMO)
- Plan premium
- $0 a month
- Yearly limit, in network
- $6,550
- 2027 star rating
- Plan too new to be measured
- Prior authorization needed for
- 24 services
In most states, including Washington, 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 Washington 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. Washington lets current Medigap members switch plans any time, but people who leave Medicare Advantage may get health questions.
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
Washington Office of the Insurance Commissioner SHIBA, monthly Medigap rates for ages 65 and up (current as of 10/8/2026) lists $233 to $466 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 $233 a month and Wellcare Value Script (PDP)
$7,841 a year
- Premiums
- $5,374
- Medical costs
- $292
- Drugs
- $2,175
Most you can pay in a bad year, before drugs: $5,666.
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
HMO from Kaiser Permanente
$4,843 a year
- Premiums
- $3,174
- Medical costs
- $1,105
- Drugs
- $564
Most you can pay in a bad year, before drugs: $9,674.
DEVOTED CORE 006 WA (HMO)
HMO from Devoted Health
$6,308 a year
- Premiums
- $2,514
- Medical costs
- $1,656
- Drugs
- $2,138
Most you can pay in a bad year, before drugs: $9,064.
With these settings, Kaiser Permanente Medicare Advantage Vital Sound (HMO) costs about $1,465 less a year than DEVOTED CORE 006 WA (HMO).
Tipping point for Kaiser Permanente Medicare Advantage Vital Sound (HMO): with this drug use, if your medical copays and coinsurance in this plan pass $4,103 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $6,500.
Tipping point for DEVOTED CORE 006 WA (HMO): with this drug use, if your medical copays and coinsurance in this plan pass $3,189 in a year, Original Medicare with Plan G costs less. The plan caps those costs at $6,550.
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
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
$0
DEVOTED CORE 006 WA (HMO)
$0 copay
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
$0-$50
Prior authorizationDEVOTED CORE 006 WA (HMO)
$45
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
$0
Prior authorizationDEVOTED CORE 006 WA (HMO)
$0-$45 or 20%
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
$375
Prior authorizationDEVOTED CORE 006 WA (HMO)
$25-$300
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
$130
DEVOTED CORE 006 WA (HMO)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
$50
DEVOTED CORE 006 WA (HMO)
$0-$45
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
$450
Prior authorizationDEVOTED CORE 006 WA (HMO)
$0-$450
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
$290
Prior authorizationDEVOTED CORE 006 WA (HMO)
$0-$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 Vital Sound (HMO)
$2,250
for a 5-day stay
Prior authorizationDEVOTED CORE 006 WA (HMO)
$2,750
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | Kaiser Permanente Medicare Advantage Vital Sound (HMO) | DEVOTED CORE 006 WA (HMO) |
|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G $233 + drug plan $5.30 | $55 + 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. | $6,500 in network | $6,550 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $0 |
| 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 | $0-$50 copayPrior authorization | $45 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0-$45 copay, 20% coinsurancePrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $375 copayPrior authorization | $25-$300 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $20 copayPrior authorization | $0-$75 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $130 copay | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $50 copay | $0-$45 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$450 copayPrior authorization | $0-$550 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $450 copayPrior authorization | $0-$450 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $290 copayPrior authorization | $0-$325 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $450 per day for days 1-5; $0 per day for days 6-90Prior authorization | $550 per day for days 1-5; $0 per day for days 6-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $0 per day for days 1-20; $218 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 | $35 copay | $45 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $0-$35 copayPrior authorization | $45-$50 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 deductible | 0%-20% coinsurancePrior authorization | 17% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization |
| Drug deductible (Part D) | $700 with Wellcare Value Script (PDP) | $0 | $650 |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 46% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: $47 copayNon-Preferred Drug: $99 copaySpecialty Tier: 32% coinsuranceVaccines: $0 copay | Preferred Generic: $0 copayGeneric: $2 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 25% coinsuranceSpecialty Tier: 26% 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 Washington, 8 drug plans are for sale for 2027, from $5.30 to $184.20 a month. Half of them cost $23.35 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 Vital Sound (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 21 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Hospital stay, Skilled nursing, Part B drugs
DEVOTED CORE 006 WA (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
Extra benefits
| Extra benefit | Original Medicare | Kaiser Permanente Medicare Advantage Vital Sound (HMO) | DEVOTED CORE 006 WA (HMO) |
|---|---|---|---|
| Dental | No | Not covered | Comprehensive, up to $2,750 a year |
| Eye exam | No | Yes | Yes |
| Glasses or contacts | No | Yes, $150 allowance | Yes, $400 allowance |
| Hearing aids | No | No | Yes, copays from $399 |
| Over-the-counter allowance | No | No | $212 a year |
| Fitness benefit | No | Yes | Yes |
| Rides to care | No | Yes | No |
| Meals after a hospital stay | No | No | No |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | Yes | Yes |
| Part B premium giveback | No | No | No |
What changed for 2027
Kaiser Permanente Medicare Advantage Vital Sound (HMO)
Renewal Plan · 2026 plan H5050-032-0
- Monthly premium up from $43 to $55
- Urgent care: $40 copay to $50 copay
- Rides to care added
- Overall star rating up from 4 to 4.5
DEVOTED CORE 006 WA (HMO)
Initial Contract · New for 2027
No change found in the fields we track.
More 2027 plans in Mason County
- Humana USAA Honor Giveback (PPO), H5216-427 (page for King County, WA)
- Humana USAA Honor Giveback (PPO), H5216-455 (page for King County, WA)
- Humana USAA Honor Giveback (PPO), H7617-021 (page for King County, WA)
- Humana Gold Plus H5619-061 (HMO) (page for King County, WA)
- Kaiser Permanente Medicare Advantage Essential (HMO), H5050-009 (page for Kitsap County, WA)
- Kaiser Permanente Medicare Advantage Optimal (HMO), H5050-004 (page for King County, WA)
- HumanaChoice H5216-048 (PPO) (page for King County, WA)
- Kaiser Permanente Medicare Advantage Basic (HMO), H5050-001 (page for King County, WA)
County guide: 2027 plans in Mason CountyState guide: Washington
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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 Washington Office of the Insurance Commissioner SHIBA, monthly Medigap rates for ages 65 and up (current as of 10/8/2026), pulled 2026-10-13. They are statewide prices for Washington. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Kaiser Permanente Medicare Advantage Vital Sound (HMO) on Medicare.gov · plan website · drug list · doctor directory
- DEVOTED CORE 006 WA (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices: Washington Office of the Insurance Commissioner SHIBA, monthly Medigap rates for ages 65 and up (current as of 10/8/2026)
- 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.