Company vs company · Clear Creek County, CO · 2027 plan year
Kaiser Permanente vs Devoted Health 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 Colorado, 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 Colorado 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 Clear Creek County. Enter the monthly price from your quote, or check Medigap prices for ZIP 80452 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
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
HMO-POS from Kaiser Permanente
$3,974 a year
- Premiums
- $2,514
- Medical costs
- $920
- Drugs
- $540
Most you can pay in a bad year, before drugs: $6,914.
DEVOTED CHOICE GIVEBACK 003 CO (PPO)
PPO from Devoted Health
$3,453 a year
- Premiums
- $486
- Medical costs
- $1,585
- Drugs
- $1,382
Most you can pay in a bad year, before drugs: $9,436.
With these settings, DEVOTED CHOICE GIVEBACK 003 CO (PPO) costs about $521 less a year than Kaiser Permanente Senior Advantage Core DM (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
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$0
Kaiser Permanente Senior Advantage Silver DM (HMO-POS)
$0
DEVOTED CHOICE GIVEBACK 003 CO (PPO)
$0 copay
DEVOTED CORE 004 CO (HMO)
$0 copay
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$0-$25
Kaiser Permanente Senior Advantage Silver DM (HMO-POS)
$0-$20
DEVOTED CHOICE GIVEBACK 003 CO (PPO)
$50
Prior authorizationDEVOTED CORE 004 CO (HMO)
$25
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$0
Prior authorizationKaiser Permanente Senior Advantage Silver DM (HMO-POS)
$0
Prior authorizationDEVOTED CHOICE GIVEBACK 003 CO (PPO)
$0-$50 or 5%
Prior authorizationDEVOTED CORE 004 CO (HMO)
$0-$25 or 15%
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$40-$280
Prior authorizationKaiser Permanente Senior Advantage Silver DM (HMO-POS)
$35-$275
Prior authorizationDEVOTED CHOICE GIVEBACK 003 CO (PPO)
$25-$300
Prior authorizationDEVOTED CORE 004 CO (HMO)
$25-$300
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$150
Kaiser Permanente Senior Advantage Silver DM (HMO-POS)
$150
DEVOTED CHOICE GIVEBACK 003 CO (PPO)
$115
DEVOTED CORE 004 CO (HMO)
$150
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$65
Kaiser Permanente Senior Advantage Silver DM (HMO-POS)
$60
DEVOTED CHOICE GIVEBACK 003 CO (PPO)
$0-$40
DEVOTED CORE 004 CO (HMO)
$0-$45
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$165
Prior authorizationKaiser Permanente Senior Advantage Silver DM (HMO-POS)
$125
Prior authorizationDEVOTED CHOICE GIVEBACK 003 CO (PPO)
$0-$395
Prior authorizationDEVOTED CORE 004 CO (HMO)
$0-$275
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$325
Prior authorizationKaiser Permanente Senior Advantage Silver DM (HMO-POS)
$300
Prior authorizationDEVOTED CHOICE GIVEBACK 003 CO (PPO)
$0-$350
Prior authorizationDEVOTED CORE 004 CO (HMO)
$0-$315
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
$1,850
for a 5-day stay
Prior authorizationKaiser Permanente Senior Advantage Silver DM (HMO-POS)
$1,375
for a 5-day stay
Prior authorizationDEVOTED CHOICE GIVEBACK 003 CO (PPO)
$1,975
for a 5-day stay
Prior authorizationDEVOTED CORE 004 CO (HMO)
$1,375
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 Senior Advantage Core DM (HMO-POS) | Kaiser Permanente Senior Advantage Silver DM (HMO-POS) | DEVOTED CHOICE GIVEBACK 003 CO (PPO) | DEVOTED CORE 004 CO (HMO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G at the price of your quote + drug plan $5.30 | $0 + Part B $209.50 | $48 + Part B $209.50 | $0 (pays back $169 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. | $4,400 in network | $3,600 in network | $8,950 in network; $11,850 in and out of network | $4,450 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 | $0-$25 copay | $0-$20 copay | $50 copayPrior authorization | $25 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $0-$50 copay, 5% coinsurancePrior authorization | $0-$25 copay, 15% coinsurancePrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $40-$280 copayPrior authorization | $35-$275 copayPrior authorization | $25-$300 copayPrior authorization | $25-$300 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $0 copayPrior authorization | $0-$75 copayPrior authorization | $0-$75 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $150 copay | $150 copay | $115 copay | $150 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $65 copay | $60 copay | $0-$40 copay | $0-$45 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $260 copayPrior authorization | $275 copayPrior authorization | $0-$495 copayPrior authorization | $0-$375 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $165 copayPrior authorization | $125 copayPrior authorization | $0-$395 copayPrior authorization | $0-$275 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $325 copayPrior authorization | $300 copayPrior authorization | $0-$350 copayPrior authorization | $0-$315 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $370 per day for days 1-6; $0 per day for days 7-90Prior authorization | $275 per day for days 1-6; $0 per day for days 7-90Prior authorization | $395 per day for days 1-5; $0 per day for days 6-90Prior authorization | $275 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 | $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 | $10 copay | $5 copay | $50 copayPrior authorization | $25 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $25 copay | $10 copay | $40-$50 copayPrior authorization | $15-$50 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%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-50% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | $3-$47 copay, 0%-20% coinsurancePrior authorization | $0-$47 copay, 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization |
| Drug deductible (Part D) | $700 with Wellcare Value Script (PDP) | $0 | $0 | $461 | $465 |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 42% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $3 copayPreferred Brand: $45 copayNon-Preferred Drug: $90 copaySpecialty Tier: 33% coinsuranceVaccines: $0 copay | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: $45 copayNon-Preferred Drug: $90 copaySpecialty Tier: 32% coinsuranceVaccines: $0 copay | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 15% coinsuranceNon-Preferred Drug: 25% coinsuranceSpecialty Tier: 26% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 15% coinsuranceNon-Preferred Drug: 25% coinsuranceSpecialty Tier: 26% 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 Colorado, 8 drug plans are for sale for 2027, from $5.30 to $260.20 a month. Half of them cost $114.40 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 Clear Creek County
Kaiser Permanente
- 4 plans for 2027 (not counting special needs plans)
- 2 with a $0 premium; 0 pay back part of your Part B premium
- Yearly limits from $3,300 to $6,800
- Star ratings 4 to 4
- Kaiser Permanente Senior Advantage Core DM (HMO-POS) · $0 a month · limit $4,400
- Kaiser Permanente Senior Advantage Silver DM (HMO-POS) · $48 a month · limit $3,600
- Kaiser Permanente Senior Advantage Bronze DM (HMO-POS) · $0 a month · limit $6,800
- Kaiser Permanente Senior Advantage Gold (HMO-POS) · $194 a month · limit $3,300
Devoted Health
- 5 plans for 2027 (not counting special needs plans)
- 5 with a $0 premium; 4 pay back part of your Part B premium
- Yearly limits from $4,450 to $8,950
- Star ratings 3 to 4
- DEVOTED CHOICE GIVEBACK 003 CO (PPO) · $0 a month · limit $8,950
- DEVOTED CORE 004 CO (HMO) · $0 a month · limit $4,450
- DEVOTED CHOICE 002 CO (PPO) · $0 a month · limit $6,050
- DEVOTED CHOICE MA ONLY 004 CO (PPO) · $0 a month · limit $7,900
- DEVOTED GIVEBACK EXTRAS 019 CO (HMO) · $0 a month · limit $6,750
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 Senior Advantage Core DM (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- You need a referral to see a specialist.
Prior authorization for 14 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Surgery center, Ambulance, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Hospital stay, Skilled nursing, Part B drugs
Kaiser Permanente Senior Advantage Silver DM (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- You need a referral to see a specialist.
Prior authorization for 14 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Surgery center, Ambulance, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Hospital stay, Skilled nursing, Part B drugs
DEVOTED CHOICE GIVEBACK 003 CO (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
DEVOTED CORE 004 CO (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 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 Senior Advantage Core DM (HMO-POS) | Kaiser Permanente Senior Advantage Silver DM (HMO-POS) | DEVOTED CHOICE GIVEBACK 003 CO (PPO) | DEVOTED CORE 004 CO (HMO) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $1,000 a year | Comprehensive, up to $1,500 a year | Comprehensive, up to $250 a year | Comprehensive, up to $3,500 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $250 allowance | Yes, $300 allowance | Yes, $200 allowance | Yes, $350 allowance |
| Hearing aids | No | Yes, up to $300 | Yes, up to $400 | Yes, copays from $599 | Yes, copays from $399 |
| Over-the-counter allowance | No | $80 a year | $100 a year | No | $400 a year |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | Yes | Yes | 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 | $169 a month | No |
What changed for 2027
Kaiser Permanente Senior Advantage Core DM (HMO-POS)
Renewal Plan · 2026 plan H0630-013-0
- In-network out-of-pocket maximum up from $3,800 to $4,400
- Part B giveback down from $7 to $0
- Specialist visit: $20 copay to $0-$25 copay
- Emergency care: $130 copay to $150 copay
- Urgent care: $30 copay to $65 copay
- Outpatient hospital: $245 copay to $260 copay
- Inpatient hospital: $245 per day for days 1-6; $0 per day for days 7-90 to $370 per day for days 1-6; $0 per day for days 7-90
- Skilled nursing facility: $0 per day for days 1-20; $203 per day for days 21-39; $0 per day for days 40-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Yearly OTC allowance down from $100 to $80
- Eyewear allowance down from $400 to $250
- Hearing aid allowance down from $550 to $300
- Overall star rating down from 4.5 to 4
Kaiser Permanente Senior Advantage Silver DM (HMO-POS)
Renewal Plan · 2026 plan H0630-015-0
- Monthly premium up from $45 to $48
- In-network out-of-pocket maximum up from $3,000 to $3,600
- Specialist visit: $15 copay to $0-$20 copay
- Urgent care: $30 copay to $60 copay
- Outpatient hospital: $225 copay to $275 copay
- Inpatient hospital: $225 per day for days 1-6; $0 per day for days 7-90 to $275 per day for days 1-6; $0 per day for days 7-90
- Skilled nursing facility: $0 per day for days 1-20; $203 per day for days 21-35; $0 per day for days 36-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Yearly OTC allowance down from $120 to $100
- Eyewear allowance down from $450 to $300
- Hearing aid allowance down from $600 to $400
- Overall star rating down from 4.5 to 4
DEVOTED CHOICE GIVEBACK 003 CO (PPO)
Renewal Plan with SAE · 2026 plan H4808-003-0
- In-network out-of-pocket maximum up from $7,900 to $8,950
- Drug deductible down from $605 to $461
- Diagnostic radiology (MRI, CT): $0-$300 copay to $25-$300 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
- Overall star rating down from 4 to 3
DEVOTED CORE 004 CO (HMO)
Renewal Plan · 2026 plan H7147-004-0
- In-network out-of-pocket maximum up from $3,900 to $4,450
- Drug deductible up from $370 to $465
- Diagnostic radiology (MRI, CT): $0-$300 copay to $25-$300 copay
- Outpatient hospital: $0-$340 copay to $0-$375 copay
- Inpatient hospital: $240 per day for days 1-5; $0 per day for days 6-90 to $275 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
More 2027 plans in Clear Creek County
- Humana Essentials Plus Giveback (PPO), H5216-435 (page for El Paso County, CO)
- Humana Total Complete (HMO), H0028-081 (page for El Paso County, CO)
- Humana USAA Honor Giveback (PPO), H5216-436 (page for El Paso County, CO)
- HumanaChoice H5216-223 (PPO) (page for Bernalillo County, NM)
- Humana Value Choice (PPO), H5216-078 (page for Jefferson County, CO)
- HealthSpring True Choice (PPO), H7849-147 (page for El Paso County, CO)
- Select Health Medicare Veterans (HMO), H1994-033 (page for El Paso County, CO)
- HealthSpring Preferred (HMO), H2752-004 (page for El Paso County, CO)
County guide: 2027 plans in Clear Creek CountyState guide: Colorado
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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 Clear Creek County, CO. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 80452 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Kaiser Permanente Senior Advantage Core DM (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Kaiser Permanente Senior Advantage Silver DM (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- DEVOTED CHOICE GIVEBACK 003 CO (PPO) on Medicare.gov · plan website · drug list · doctor directory
- DEVOTED CORE 004 CO (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 80452 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.