Company vs company · Gentry County, MO · 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.

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In most states, including Missouri, 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 Missouri 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. Missouri’s anniversary 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

$

We have no Medigap Plan G price for a 65-year-old woman in Gentry County. Enter the monthly price from your quote, or check Medigap prices for ZIP 64402 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 from UHC KC-6 (HMO-POS)

HMO-POS from UnitedHealthcare

$5,805 a year

Premiums
$2,514
Medical costs
$1,305
Drugs
$1,986

Most you can pay in a bad year, before drugs: $9,214.

DEVOTED GIVEBACK 004 MO (HMO)

HMO from Devoted Health

$3,762 a year

Premiums
$538
Medical costs
$1,842
Drugs
$1,382

Most you can pay in a bad year, before drugs: $7,688.

With these settings, DEVOTED GIVEBACK 004 MO (HMO) costs about $2,044 less a year than AARP Medicare Advantage Essentials from UHC KC-6 (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.

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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

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $0

  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $0

  • DEVOTED GIVEBACK 004 MO (HMO)

    $0 copay

  • DEVOTED CORE 003 MO (HMO)

    $0 copay

Specialist visit

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $0-$70

    Prior authorization
  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $0-$70

    Prior authorization
  • DEVOTED GIVEBACK 004 MO (HMO)

    $45

    Prior authorization
  • DEVOTED CORE 003 MO (HMO)

    $25

    Prior authorization

Lab tests

  • Original Medicare + Medigap Plan G

    $0

    most Medicare-covered tests

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $0

    Prior authorization
  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $0

    Prior authorization
  • DEVOTED GIVEBACK 004 MO (HMO)

    $0-$45 or 20%

    Prior authorization
  • DEVOTED CORE 003 MO (HMO)

    $0-$25 or 15%

    Prior authorization

MRI or CT scan

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $0-$320

    Prior authorization
  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $0-$320

    Prior authorization
  • DEVOTED GIVEBACK 004 MO (HMO)

    $25-$300

    Prior authorization
  • DEVOTED CORE 003 MO (HMO)

    $25-$300

    Prior authorization

Emergency room

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $130

  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $130

  • DEVOTED GIVEBACK 004 MO (HMO)

    $130

  • DEVOTED CORE 003 MO (HMO)

    $150

Urgent care

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $0-$50

  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $0-$50

  • DEVOTED GIVEBACK 004 MO (HMO)

    $0-$50

  • DEVOTED CORE 003 MO (HMO)

    $0-$45

Outpatient surgery

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $0-$585

    Prior authorization
  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $0-$585

    Prior authorization
  • DEVOTED GIVEBACK 004 MO (HMO)

    $0-$475

    Prior authorization
  • DEVOTED CORE 003 MO (HMO)

    $0-$340

    Prior authorization

Ground ambulance

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $320

    Prior authorization
  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $290

    Prior authorization
  • DEVOTED GIVEBACK 004 MO (HMO)

    $0-$335

    Prior authorization
  • DEVOTED CORE 003 MO (HMO)

    $0-$315

    Prior authorization

Hospital stay, 5 days

  • Original Medicare + Medigap Plan G

    $0

    Plan G pays the $1,788 Part A deductible

  • AARP Medicare Advantage from UHC KC-4 (PPO)

    $2,740

    for a 5-day stay

    Prior authorization
  • AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

    $2,740

    for a 5-day stay

    Prior authorization
  • DEVOTED GIVEBACK 004 MO (HMO)

    $2,375

    for a 5-day stay

    Prior authorization
  • DEVOTED CORE 003 MO (HMO)

    $1,700

    for a 5-day stay

    Prior authorization
See every cost in one table
What you pay in networkOriginal Medicare + Medigap Plan GAARP Medicare Advantage from UHC KC-4 (PPO)AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)DEVOTED GIVEBACK 004 MO (HMO)DEVOTED CORE 003 MO (HMO)
Monthly premiumPart 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 (pays back $164.70 a month of your Part B premium) + 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.$7,150 in network; $10,750 in and out of network$7,150 in network$7,150 in network$3,600 in network
Medical deductible$292 Part B. Plan G pays the $1,788 Part A deductible.$1,000$0$200$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-$70 copayPrior authorization$0-$70 copayPrior authorization$45 copayPrior authorization$25 copayPrior authorization
Lab tests$0, most Medicare-covered tests$0 copayPrior authorization$0 copayPrior authorization$0-$45 copay, 20% coinsurancePrior authorization$0-$25 copay, 15% coinsurancePrior authorization
MRI or CT scan$0, after the $292 yearly Part B deductible$0-$320 copayPrior authorization$0-$320 copayPrior authorization$25-$300 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$130 copay$130 copay$130 copay$150 copay
Urgent care$0, after the $292 yearly Part B deductible$0-$50 copay$0-$50 copay$0-$50 copay$0-$45 copay
Outpatient hospital$0, after the $292 yearly Part B deductible$0-$685 copayPrior authorization$0-$685 copayPrior authorization$0-$575 copayPrior authorization$0-$440 copayPrior authorization
Surgery center$0, after the $292 yearly Part B deductible$0-$585 copayPrior authorization$0-$585 copayPrior authorization$0-$475 copayPrior authorization$0-$340 copayPrior authorization
Ground ambulance$0, after the $292 yearly Part B deductible$320 copayPrior authorization$290 copayPrior authorization$0-$335 copayPrior authorization$0-$315 copayPrior authorization
Hospital stay$0, Plan G pays the $1,788 Part A deductible$685 per day for days 1-4; $0 per day for days 5-90Prior authorization$685 per day for days 1-4; $0 per day for days 5-90Prior authorization$475 per day for days 1-5; $0 per day for days 6-90Prior authorization$340 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$10 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
Mental health visit$0, after the $292 yearly Part B deductible$0-$25 copayPrior authorization$0-$25 copayPrior authorization$45 copayPrior authorization$25 copayPrior authorization
Physical therapy$0, after the $292 yearly Part B deductible$70 copayPrior authorization$70 copayPrior authorization$45-$50 copayPrior authorization$5-$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 deductible20% coinsurancePrior authorization20% coinsurancePrior authorization20% coinsurancePrior authorization20%-50% coinsurancePrior authorization
Part B drugs$0 after the $292 Part B deductible0%-20% coinsurancePrior authorization0%-20% coinsurancePrior authorization0%-20% coinsurancePrior authorization0%-20% coinsurancePrior authorization
Drug deductible (Part D)$700 with Wellcare Value Script (PDP)$685$685$461$650
Drug tiers (one month, retail)Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 50% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copayPreferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 22% coinsuranceNon-Preferred Drug: 27% coinsuranceSpecialty Tier: 26% coinsurancePreferred Generic: $0 copayGeneric: $6 copayPreferred Brand: 21% coinsuranceNon-Preferred Drug: 27% coinsuranceSpecialty Tier: 26% coinsurancePreferred Generic: $0 copayGeneric: $0 copayPreferred Brand: 15% coinsuranceNon-Preferred Drug: 25% coinsuranceSpecialty Tier: 26% coinsurancePreferred Generic: $0 copayGeneric: $0 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 Missouri, 9 drug plans are for sale for 2027, from $5.30 to $205.20 a month. Half of them cost $85.10 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 Gentry County

UnitedHealthcare

  • 6 plans for 2027 (not counting special needs plans)
  • 5 with a $0 premium; 2 pay back part of your Part B premium
  • Yearly limits from $4,450 to $7,150
  • Star ratings 3.5 to 4

Devoted Health

  • 5 plans for 2027 (not counting special needs plans)
  • 5 with a $0 premium; 3 pay back part of your Part B premium
  • Yearly limits from $3,600 to $7,150
  • Star ratings 4 to 4

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 from UHC KC-4 (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 KC-2 (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

DEVOTED GIVEBACK 004 MO (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 003 MO (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 benefitOriginal MedicareAARP Medicare Advantage from UHC KC-4 (PPO)AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)DEVOTED GIVEBACK 004 MO (HMO)DEVOTED CORE 003 MO (HMO)
DentalNoNot coveredComprehensive, up to $2,500 a yearComprehensive, up to $250 a yearComprehensive, up to $3,750 a year
Eye examNoYesYesYesYes
Glasses or contactsNoNoYes, $200 allowanceYes, $200 allowanceYes, $300 allowance
Hearing aidsNoYes, up to $700Yes, up to $700Yes, copays from $599Yes, copays from $399
Over-the-counter allowanceNoNo$100 a yearNo$252 a year
Fitness benefitNoNoYesYesYes
Rides to careNoNoNoNoNo
Meals after a hospital stayNoNoYesNoNo
Emergency care abroadPlan G and Plan N pay 80% after a $250 deductibleNoNoYesYes
Part B premium givebackNoNoNo$165 a monthNo

What changed for 2027

AARP Medicare Advantage from UHC KC-4 (PPO)

Renewal Plan with SAR · 2026 plan H8768-023-0

  • In-network out-of-pocket maximum up from $4,900 to $7,150
  • Medical deductible up from $0 to $1,000
  • Drug deductible up from $600 to $685
  • Specialist visit: $0-$35 copay to $0-$70 copay
  • Diagnostic radiology (MRI, CT): $0-$210 copay to $0-$320 copay
  • Outpatient hospital: $0-$455 copay to $0-$685 copay
  • Ground ambulance: $290 copay to $320 copay
  • Inpatient hospital: $455 per day for days 1-6; $0 per day for days 7-90 to $685 per day for days 1-4; $0 per day for days 5-90
  • 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 removed
  • Fitness benefit removed
  • Meals after a hospital stay removed
  • Worldwide emergency coverage removed
  • Overall star rating up from 3.5 to 4

AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)

Renewal Plan with SAR · 2026 plan H2802-032-0

  • In-network out-of-pocket maximum up from $5,900 to $7,150
  • Drug deductible up from $520 to $685
  • Specialist visit: $0-$50 copay to $0-$70 copay
  • Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
  • Outpatient hospital: $0-$455 copay to $0-$685 copay
  • Inpatient hospital: $455 per day for days 1-6; $0 per day for days 7-90 to $685 per day for days 1-4; $0 per day for days 5-90
  • 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
  • Dental maximum down from $4,000 to $2,500
  • Yearly OTC allowance down from $240 to $100
  • Worldwide emergency coverage removed
  • Overall star rating down from 4 to 3.5

DEVOTED GIVEBACK 004 MO (HMO)

Renewal Plan with SAE · 2026 plan H2041-004-0

  • In-network out-of-pocket maximum up from $7,000 to $7,150
  • Medical deductible up from $0 to $200
  • Drug deductible down from $605 to $461
  • Emergency care: $115 copay to $130 copay
  • Urgent care: $0-$40 copay to $0-$50 copay
  • Diagnostic radiology (MRI, CT): $0-$300 copay to $25-$300 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 $10 per day for days 1-20; $221 per day for days 21-100

DEVOTED CORE 003 MO (HMO)

Renewal Plan with SAE · 2026 plan H2041-003-0

  • Drug deductible up from $375 to $650
  • Diagnostic radiology (MRI, CT): $0-$300 copay to $25-$300 copay
  • Outpatient hospital: $0-$390 copay to $0-$440 copay
  • Inpatient hospital: $290 per day for days 1-6; $0 per day for days 7-90 to $340 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 $20 per day for days 1-20; $221 per day for days 21-100
  • Dental maximum up from $3,000 to $3,750
  • Yearly OTC allowance down from $400 to $252

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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 Gentry County, MO. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 64402 on Medicare.gov. 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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