Company vs company · Doña Ana County, NM · 2027 plan year
UnitedHealthcare 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 New Mexico, 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 New Mexico 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. New Mexico’s birthday rule starts in 2027 and helps only people who already have Medigap.
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 Doña Ana County. Enter the monthly price from your quote, or check Medigap prices for ZIP 88044 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 Giveback from UHC EP-2 (PPO)
PPO from UnitedHealthcare
$5,141 a year
- Premiums
- $1,710
- Medical costs
- $2,046
- Drugs
- $1,385
Most you can pay in a bad year, before drugs: $11,560.
DEVOTED GIVEBACK 006 NM (HMO)
HMO from Devoted Health
$3,220 a year
- Premiums
- $298
- Medical costs
- $1,540
- Drugs
- $1,382
Most you can pay in a bad year, before drugs: $8,298.
With these settings, DEVOTED GIVEBACK 006 NM (HMO) costs about $1,921 less a year than AARP Medicare Advantage Giveback from UHC EP-2 (PPO).
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 from UHC EP-1 (PPO)
$0
AARP Medicare Advantage Extras from UHC EP-3 (PPO)
$0
DEVOTED GIVEBACK 006 NM (HMO)
$0 copay
DEVOTED CORE 005 NM (HMO)
$0 copay
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials from UHC EP-1 (PPO)
$0-$45
Prior authorizationAARP Medicare Advantage Extras from UHC EP-3 (PPO)
$0-$55
Prior authorizationDEVOTED GIVEBACK 006 NM (HMO)
$55
Prior authorizationDEVOTED CORE 005 NM (HMO)
$25
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
AARP Medicare Advantage Essentials from UHC EP-1 (PPO)
$0
Prior authorizationAARP Medicare Advantage Extras from UHC EP-3 (PPO)
$0
Prior authorizationDEVOTED GIVEBACK 006 NM (HMO)
$0-$55 or 20%
Prior authorizationDEVOTED CORE 005 NM (HMO)
$0-$25 or 20%
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials from UHC EP-1 (PPO)
$0-$320
Prior authorizationAARP Medicare Advantage Extras from UHC EP-3 (PPO)
$0-$320
Prior authorizationDEVOTED GIVEBACK 006 NM (HMO)
$25-$250
Prior authorizationDEVOTED CORE 005 NM (HMO)
$25-$300
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials from UHC EP-1 (PPO)
$150
AARP Medicare Advantage Extras from UHC EP-3 (PPO)
$130
DEVOTED GIVEBACK 006 NM (HMO)
$115
DEVOTED CORE 005 NM (HMO)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials from UHC EP-1 (PPO)
$0-$65
AARP Medicare Advantage Extras from UHC EP-3 (PPO)
$0-$50
DEVOTED GIVEBACK 006 NM (HMO)
$0-$40
DEVOTED CORE 005 NM (HMO)
$0-$45
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials from UHC EP-1 (PPO)
$0-$400
Prior authorizationAARP Medicare Advantage Extras from UHC EP-3 (PPO)
$0-$500
Prior authorizationDEVOTED GIVEBACK 006 NM (HMO)
$0-$300
Prior authorizationDEVOTED CORE 005 NM (HMO)
$0-$350
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
AARP Medicare Advantage Essentials from UHC EP-1 (PPO)
$350
Prior authorizationAARP Medicare Advantage Extras from UHC EP-3 (PPO)
$350
Prior authorizationDEVOTED GIVEBACK 006 NM (HMO)
$0-$335
Prior authorizationDEVOTED CORE 005 NM (HMO)
$0-$420
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 from UHC EP-1 (PPO)
$2,250
for a 5-day stay
Prior authorizationAARP Medicare Advantage Extras from UHC EP-3 (PPO)
$2,750
for a 5-day stay
Prior authorizationDEVOTED GIVEBACK 006 NM (HMO)
$2,375
for a 5-day stay
Prior authorizationDEVOTED CORE 005 NM (HMO)
$1,750
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 from UHC EP-1 (PPO) | AARP Medicare Advantage Extras from UHC EP-3 (PPO) | DEVOTED GIVEBACK 006 NM (HMO) | DEVOTED CORE 005 NM (HMO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G at the price of your quote + drug plan $10.30 | $0 + Part B $209.50 | $0 + Part B $209.50 | $0 (pays back $184.70 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. | $4,450 in network; $6,500 in and out of network | $5,900 in network; $10,750 in and out of network | $8,000 in network | $4,750 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $1,000 | $1,000 | $50 | $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-$45 copayPrior authorization | $0-$55 copayPrior authorization | $55 copayPrior authorization | $25 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $0-$55 copay, 20% coinsurancePrior authorization | $0-$25 copay, 20% coinsurancePrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$320 copayPrior authorization | $0-$320 copayPrior authorization | $25-$250 copayPrior authorization | $25-$300 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $30 copayPrior authorization | $30 copayPrior authorization | $0-$75 copayPrior authorization | $0-$75 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $150 copay | $130 copay | $115 copay | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $0-$65 copay | $0-$50 copay | $0-$40 copay | $0-$45 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$450 copayPrior authorization | $0-$550 copayPrior authorization | $0-$400 copayPrior authorization | $0-$450 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0-$400 copayPrior authorization | $0-$500 copayPrior authorization | $0-$300 copayPrior authorization | $0-$350 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $350 copayPrior authorization | $350 copayPrior authorization | $0-$335 copayPrior authorization | $0-$420 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $450 per day for days 1-6; $0 per day for days 7-90Prior authorization | $550 per day for days 1-5; $0 per day for days 6-90Prior authorization | $475 per day for days 1-5; $0 per day for days 6-90Prior authorization | $350 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 | $0-$25 copayPrior authorization | $0-$25 copayPrior authorization | $50 copayPrior authorization | $25 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $45 copayPrior authorization | $55 copayPrior authorization | $45 copayPrior authorization | $10-$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 | 30% coinsurancePrior authorization | 20% coinsurancePrior authorization | 17% coinsurancePrior authorization | 20%-50% 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 AARP Medicare Rx Saver from UHC (PDP) | $685 | $700 | $461 | $650 |
| Drug tiers (one month, retail) | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 20% coinsuranceNon-Preferred Drug: 31% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $6 copayPreferred Brand: 20% coinsuranceNon-Preferred Drug: 27% coinsuranceSpecialty Tier: 26% coinsurance | Preferred Generic: $0 copayGeneric: $2 copayPreferred Brand: 19% coinsuranceNon-Preferred Drug: 26% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 15% coinsuranceNon-Preferred Drug: 25% coinsuranceSpecialty Tier: 26% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 25% 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 New Mexico, 10 drug plans are for sale for 2027, from $5.30 to $151.10 a month. Half of them cost $29.80 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 Doña Ana County
UnitedHealthcare
- 4 plans for 2027 (not counting special needs plans)
- 3 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $4,200 to $9,850
- Star ratings 4 to 4
- AARP Medicare Advantage Essentials from UHC EP-1 (PPO) · $0 a month · limit $4,450
- AARP Medicare Advantage Extras from UHC EP-3 (PPO) · $0 a month · limit $5,900
- AARP Medicare Advantage from UHC EP-4 (PPO) · $66 a month · limit $4,200
- AARP Medicare Advantage Giveback from UHC EP-2 (PPO) · $0 a month · limit $9,850
Devoted Health
- 3 plans for 2027 (not counting special needs plans)
- 3 with a $0 premium; 2 pay back part of your Part B premium
- Yearly limits from $4,750 to $8,000
- Star ratings not rated
- DEVOTED GIVEBACK 006 NM (HMO) · $0 a month · limit $8,000
- DEVOTED CORE 005 NM (HMO) · $0 a month · limit $4,750
- DEVOTED GIVEBACK EXTRAS 016 NM (HMO) · $0 a month · limit $6,150
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
AARP Medicare Advantage Essentials from UHC EP-1 (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
AARP Medicare Advantage Extras from UHC EP-3 (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 GIVEBACK 006 NM (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
DEVOTED CORE 005 NM (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 | AARP Medicare Advantage Essentials from UHC EP-1 (PPO) | AARP Medicare Advantage Extras from UHC EP-3 (PPO) | DEVOTED GIVEBACK 006 NM (HMO) | DEVOTED CORE 005 NM (HMO) |
|---|---|---|---|---|---|
| Dental | No | Preventive only | Comprehensive, up to $3,000 a year | Comprehensive, up to $250 a year | Comprehensive, up to $2,500 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $200 allowance | Yes, $200 allowance | Yes, $200 allowance | Yes, $400 allowance |
| Hearing aids | No | Yes, up to $700 | Yes, up to $700 | Yes, copays from $599 | Yes, copays from $399 |
| Over-the-counter allowance | No | No | $100 a year | $376 a year | $248 a year |
| Fitness benefit | No | Yes | No | Yes | Yes |
| Rides to care | No | No | 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 | No | No | Yes | Yes |
| Part B premium giveback | No | No | No | $185 a month | No |
What changed for 2027
AARP Medicare Advantage Essentials from UHC EP-1 (PPO)
Renewal Plan · 2026 plan H2406-039-0
- In-network out-of-pocket maximum up from $4,200 to $4,450
- Medical deductible up from $0 to $1,000
- Drug deductible up from $440 to $685
- Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
- Outpatient hospital: $0-$345 copay to $0-$450 copay
- Ground ambulance: $275 copay to $350 copay
- Inpatient hospital: $345 per day for days 1-6; $0 per day for days 7-90 to $450 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
- Eyewear allowance up from $150 to $200
- OTC allowance removed
- Meals after a hospital stay removed
- Worldwide emergency coverage removed
AARP Medicare Advantage Extras from UHC EP-3 (PPO)
Renewal Plan · 2026 plan H2406-121-0
- Medical deductible up from $0 to $1,000
- Drug deductible up from $465 to $700
- Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
- Outpatient hospital: $0-$495 copay to $0-$550 copay
- Ground ambulance: $275 copay to $350 copay
- Inpatient hospital: $495 per day for days 1-5; $0 per day for days 6-90 to $550 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
- Fitness benefit removed
- Meals after a hospital stay removed
- Worldwide emergency coverage removed
DEVOTED GIVEBACK 006 NM (HMO)
Renewal Plan · 2026 plan H9977-006-0
- In-network out-of-pocket maximum up from $7,000 to $8,000
- Medical deductible up from $0 to $50
- Drug deductible down from $605 to $461
- Diagnostic radiology (MRI, CT): $0-$300 copay to $25-$250 copay
- Outpatient hospital: $0-$475 copay to $0-$400 copay
- Ground ambulance: $0-$315 copay to $0-$335 copay
- Inpatient hospital: $475 per day for days 1-3; $0 per day for days 4-90 to $475 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
DEVOTED CORE 005 NM (HMO)
Renewal Plan · 2026 plan H9977-005-0
- In-network out-of-pocket maximum up from $4,000 to $4,750
- Drug deductible up from $175 to $650
- Emergency care: $150 copay to $130 copay
- Diagnostic radiology (MRI, CT): $0-$300 copay to $25-$300 copay
- Outpatient hospital: $0-$400 copay to $0-$450 copay
- Inpatient hospital: $300 per day for days 1-6; $0 per day for days 7-90 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
- Yearly OTC allowance down from $400 to $248
More 2027 plans in Doña Ana County
- Humana Essentials Plus Giveback (PPO), H5216-435 (page for Bernalillo County, NM)
- Humana USAA Honor Giveback (PPO), H5216-436 (page for Bernalillo County, NM)
- HumanaChoice H5216-223 (PPO) (page for Bernalillo County, NM)
County guide: 2027 plans in Doña Ana CountyState guide: New Mexico
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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 Doña Ana County, NM. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 88044 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- AARP Medicare Advantage Essentials from UHC EP-1 (PPO) on Medicare.gov · plan website · drug list · doctor directory
- AARP Medicare Advantage Extras from UHC EP-3 (PPO) on Medicare.gov · plan website · drug list · doctor directory
- DEVOTED GIVEBACK 006 NM (HMO) on Medicare.gov · plan website · drug list · doctor directory
- DEVOTED CORE 005 NM (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 88044 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.