Company vs company · Nye County, NV · 2027 plan year
UnitedHealthcare 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.
Pinnie Direct is a free text line. Pinnie does not sell plans.
In most states, including Nevada, 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 Nevada 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. Nevada’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.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 Nye County. Enter the monthly price from your quote, or check Medigap prices for ZIP 89049 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
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
HMO-POS from UnitedHealthcare
$4,598 a year
- Premiums
- $2,514
- Medical costs
- $390
- Drugs
- $1,694
Most you can pay in a bad year, before drugs: $3,414.
Aetna Medicare Prime Extra (HMO)
HMO from Aetna Medicare
$4,627 a year
- Premiums
- $2,514
- Medical costs
- $410
- Drugs
- $1,703
Most you can pay in a bad year, before drugs: $4,014.
With these settings, AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS) costs about $29 less a year than Aetna Medicare Prime Extra (HMO).
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
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$0
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$0
Aetna Medicare Prime (HMO)
$0
Aetna Medicare Signature (PPO)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$0
Prior authorizationAARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$0
Prior authorizationAetna Medicare Prime (HMO)
$30
Aetna Medicare Signature (PPO)
$40
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$0
Prior authorizationAARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$0
Prior authorizationAetna Medicare Prime (HMO)
$0-$25
Prior authorizationAetna Medicare Signature (PPO)
$0-$10
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$0-$175
Prior authorizationAARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$0-$175
Prior authorizationAetna Medicare Prime (HMO)
$0-$150
Prior authorizationAetna Medicare Signature (PPO)
$0-$200
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$150
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$150
Aetna Medicare Prime (HMO)
$150
Aetna Medicare Signature (PPO)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$0-$10
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$0-$20
Aetna Medicare Prime (HMO)
$35
Aetna Medicare Signature (PPO)
$45
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$0
Prior authorizationAARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$0-$70
Prior authorizationAetna Medicare Prime (HMO)
$0-$75
Prior authorizationAetna Medicare Signature (PPO)
$0-$325
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$350
Prior authorizationAARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$380
Prior authorizationAetna Medicare Prime (HMO)
$315
Prior authorizationAetna Medicare Signature (PPO)
$310
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
$0
for a 5-day stay
Prior authorizationAARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
$600
for a 5-day stay
Prior authorizationAetna Medicare Prime (HMO)
$625
for a 5-day stay
Prior authorizationAetna Medicare Signature (PPO)
$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 | AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS) | AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) | Aetna Medicare Prime (HMO) | Aetna Medicare Signature (PPO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G at the price of your quote + drug plan $5.30 | $0 + Part B $209.50 | $0 + Part B $209.50 | $0 + 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. | $900 in network | $1,900 in network | $2,500 in network | $6,750 in network; $10,000 in and out of network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $0 | $0 | $500 |
| 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 copayPrior authorization | $0 copayPrior authorization | $30 copay | $40 copay |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $0-$25 copayPrior authorization | $0-$10 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$175 copayPrior authorization | $0-$175 copayPrior authorization | $0-$150 copayPrior authorization | $0-$200 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $5 copayPrior authorization | $30 copayPrior authorization | $25 copayPrior authorization | $35 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $150 copay | $150 copay | $150 copay | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $0-$10 copay | $0-$20 copay | $35 copay | $45 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $0-$120 copayPrior authorization | $0-$125 copayPrior authorization | $0-$375 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $0-$70 copayPrior authorization | $0-$75 copayPrior authorization | $0-$325 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $350 copayPrior authorization | $380 copayPrior authorization | $315 copayPrior authorization | $310 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $0 per stayPrior authorization | $120 per day for days 1-5; $0 per day for days 6-90Prior authorization | $125 per day for days 1-5; $0 per day for days 6-90Prior authorization | $375 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; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $20 per day for days 1-20; $221 per day for days 21-100Prior authorization | $10 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 | $0-$15 copayPrior authorization | $0-$15 copayPrior authorization | $30 copayPrior authorization | $40 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $0 copayPrior authorization | $30 copay | $20 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) | $310 | $470 | $700 | $700 |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 44% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 22% coinsuranceNon-Preferred Drug: 29% coinsuranceSpecialty Tier: 30% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 18% coinsuranceNon-Preferred Drug: 27% coinsuranceSpecialty Tier: 28% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 28% coinsuranceSpecialty Tier: 25% 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 Nevada, 9 drug plans are for sale for 2027, from $5.30 to $232.60 a month. Half of them cost $86.60 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
The two companies in Nye County
UnitedHealthcare
- 8 plans for 2027 (not counting special needs plans)
- 8 with a $0 premium; 3 pay back part of your Part B premium
- Yearly limits from $900 to $7,150
- Star ratings 4 to 4.5
- AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS) · $0 a month · limit $900
- AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) · $0 a month · limit $1,900
- UHC Medicare Advantage NV-001P (HMO-POS) · $0 a month · limit $1,900
- AARP Medicare Advantage from UHC NV-0007 (PPO) · $0 a month · limit $6,700
- AARP Medicare Advantage from UHC NV-0001 (HMO-POS) · $0 a month · limit $1,900
- AARP Medicare Advantage Giveback from UHC NV-8 (PPO) · $0 a month · limit $7,150
- AARP Medicare Advantage Patriot No Rx NV-MA01 (PPO) · $0 a month · limit $6,700
- AARP Medicare Advantage Patriot No Rx NV-MA2 (HMO-POS) · $0 a month · limit $6,700
Aetna Medicare
- 8 plans for 2027 (not counting special needs plans)
- 6 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $1,500 to $6,750
- Star ratings 3 to 4
- Aetna Medicare Prime (HMO) · $0 a month · limit $2,500
- Aetna Medicare Signature (PPO) · $0 a month · limit $6,750
- Aetna Medicare Eagle (PPO) · $0 a month · limit $6,750
- Aetna Medicare Signature (HMO) · $0 a month · limit $4,450
- Aetna Medicare Elite (PPO) · $0 a month · limit $6,350
- Aetna Medicare Enhanced (PPO) · $35 a month · limit $5,500
- Aetna Medicare Prime Extra (HMO) · $0 a month · limit $1,500
- Aetna Medicare Value Care (HMO) · $7.30 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
AARP Medicare Advantage Essentials ValueRx NV-5 (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 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
AARP Medicare Advantage Extras ValueRx NV-10 (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 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
Aetna Medicare Prime (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 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 Signature (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
Extra benefits
| Extra benefit | Original Medicare | AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS) | AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) | Aetna Medicare Prime (HMO) | Aetna Medicare Signature (PPO) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $2,500 a year | Comprehensive, up to $5,000 a year | Comprehensive, up to $1,000 a year | Comprehensive, up to $1,500 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $200 allowance | Yes, $200 allowance | Yes, $100 allowance | Yes, $200 allowance |
| Hearing aids | No | Yes, up to $1,000 | Yes, up to $1,000 | Yes, up to $1,000 | Yes, up to $1,000 |
| Over-the-counter allowance | No | $100 a year | $360 a year | No | $120 a year |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | Yes | No | No | No |
| Meals after a hospital stay | No | Yes | Yes | No | No |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | No | No | Yes | Yes |
| Part B premium giveback | No | No | No | No | No |
What changed for 2027
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)
Renewal Plan · 2026 plan H0609-038-0
- Drug deductible up from $270 to $310
- Diagnostic radiology (MRI, CT): $0-$140 copay to $0-$175 copay
- Ground ambulance: $290 copay to $350 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
- Dental maximum down from $3,000 to $2,500
- Eyewear allowance down from $250 to $200
- Worldwide emergency coverage removed
- Overall star rating down from 4.5 to 4
AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)
Consolidated Renewal Plan · 2026 plan H0609-031-0
- In-network out-of-pocket maximum up from $900 to $1,900
- Drug deductible up from $270 to $470
- Urgent care: $0-$40 copay to $0-$20 copay
- Diagnostic radiology (MRI, CT): $0-$140 copay to $0-$175 copay
- Outpatient hospital: $0 copay to $0-$120 copay
- Ground ambulance: $290 copay to $380 copay
- Inpatient hospital: $0 per stay to $120 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
- Yearly OTC allowance down from $460 to $360
- Eyewear allowance down from $300 to $200
- Rides to care removed
- Worldwide emergency coverage removed
- Overall star rating down from 4.5 to 4
Aetna Medicare Prime (HMO)
Renewal Plan · 2026 plan H3931-151-0
- In-network out-of-pocket maximum up from $1,500 to $2,500
- Drug deductible up from $300 to $700
- Specialist visit: $0 copay to $30 copay
- Urgent care: $10 copay to $35 copay
- Outpatient hospital: $100 copay to $0-$125 copay
- Ground ambulance: $250 copay to $315 copay
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $20 per day for days 1-20; $221 per day for days 21-100
- Dental maximum down from $2,000 to $1,000
- Eyewear allowance down from $200 to $100
- Overall star rating up from 3 to 3.5
Aetna Medicare Signature (PPO)
Renewal Plan · 2026 plan H5521-055-0
- Drug deductible up from $615 to $700
- Outpatient hospital: $0-$325 copay to $0-$375 copay
- Inpatient hospital: $275 per day for days 1-5; $0 per day for days 6-90 to $375 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 $10 per day for days 1-20; $221 per day for days 21-100
- Dental maximum down from $2,000 to $1,500
- Eyewear allowance down from $250 to $200
- OTC allowance added
- Overall star rating down from 4.5 to 4
More 2027 plans in Nye County
- Humana Gold Plus H6622-056 (HMO) (page for Clark County, NV)
- Humana Gold Plus Giveback H6622-082 (HMO) (page for Clark County, NV)
- HumanaChoice H5216-281 (PPO) (page for Clark County, NV)
- Select Health Medicare Essential (HMO), H1994-012 (page for Clark County, NV)
- SCAN Classic (HMO), H0978-001 (page for Clark County, NV)
- Select Health Medicare Value Giveback (HMO), H1994-021 (page for Clark County, NV)
- Humana USAA Honor Giveback (PPO), H5216-216 (page for Clark County, NV)
- HumanaChoice H7617-070 (PPO) (page for Clark County, NV)
Questions about your choice? Text us.
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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 Nye County, NV. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 89049 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Aetna Medicare Prime (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Aetna Medicare Signature (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 89049 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.