Where to start
This page lists every Medicare plan sold in Hamilton County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (18 plans)
- Part D drug plans (11 plans)
- Special needs plans (13 plans)
- Medicare Advantage without drug coverage (5 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Hamilton County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Hamilton County
At a glance
- 23 Medicare Advantage plans are open to anyone with Medicare here; 17 charge no monthly premium.
- 10 give back part of your Part B premium, up to $150 a month.
- The lowest yearly limit on what you pay for in-network care is $3,900.
- 11 Part D drug plans, from $4.70 to $140.20 a month.
Medicare Advantage plans with drug coverage 18
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| MercyOne Health Plan Cash Back (HMO) MediGold · H3668-031-000 | HMO | $0/moGives back $102.40/mo of your Part B premium | $6,900 | 4.5★ |
| HumanaChoice Giveback H5216-340 (PPO) Humana · H5216-340-000 | PPO | $0/moGives back $64/mo of your Part B premium | $5,000 | 3.5★ |
| Humana Gold Plus H0028-053 (HMO) Humana · H0028-053-001 | HMO | $0/moGives back $1/mo of your Part B premium | $4,200 | 3.5★ |
| Humana Full Access H5216-411 (PPO) Humana · H5216-411-000 | PPO | $0/moGives back $1/mo of your Part B premium | $4,250 | 3.5★ |
| MercyOne Health Plan Choice (PPO) MediGold · H1846-007-000 | PPO | $0/moGives back $0.70/mo of your Part B premium | $4,400 | 4.0★ |
| MercyOne Health Plan No Premium (HMO) MediGold · H3668-025-000 | HMO | $0/moGives back $0.30/mo of your Part B premium | $4,200 | 4.5★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H1608-001-000 | PPO | $0/mo | $5,000 | 4.0★ |
| Aetna Medicare Elite (PPO) Aetna Medicare · H1608-037-000 | PPO | $0/mo | $5,500 | 4.0★ |
| Aetna Medicare Signature (HMO-POS) Aetna Medicare · H1609-001-000 | HMO-POS | $0/mo | $4,300 | 4.5★ |
| Aetna Medicare Signature Extra (HMO-POS) Aetna Medicare · H1609-069-000 | HMO-POS | $0/mo | $5,000 | 4.5★ |
| Wellcare Simple (HMO-POS) Wellcare · H1862-005-000 | HMO-POS | $0/mo | $4,400 | 3.5★ |
| Blue Medicare Advantage PPO (PPO) Wellmark Advantage Health Plan · H5900-001-000 | PPO | $0/mo | $4,150 | 3.5★ |
| MercyOne Health Plan Plus (HMO) MediGold · H3668-026-000 | HMO | $22.80/mo | $3,900 | 4.5★ |
| AARP Medicare Advantage from UHC IA-0003 (PPO) UnitedHealthcare · H8768-017-002 | PPO | $37/mo | $5,900 | 3.5★ |
| HumanaChoice H5216-014 (PPO) Humana · H5216-014-000 | PPO | $38/mo | $9,250 | 3.5★ |
| Aetna Medicare Value Care (HMO-POS) Aetna Medicare · H1609-068-000 | HMO-POS | $41/mo | $3,900 | 4.5★ |
| AARP Medicare Advantage from UHC IA-0002 (HMO-POS) UnitedHealthcare · H5253-108-002 | HMO-POS | $55/mo | $5,900 | 4.0★ |
| Aetna Medicare Enhanced Extra (PPO) Aetna Medicare · H1608-117-000 | PPO | $57/mo | $4,500 | 4.0★ |
Part D drug plans 11
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Upper Midwest and Northern Plains (Iowa, Minnesota, Montana, Nebraska, North Dakota, South Dakota and Wyoming).
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Humana Basic Rx Plan (PDP) Humana · S5884-145-000 | $4.70/mo | $615 | 3★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-370-000 | $5.30/mo | $615 | 2★ |
| Wellcare Value Script (PDP) Wellcare · S4802-158-000 | $9.60/mo | $615 | 3.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-089-000 | $12.70/mo | $615 | 3.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-204-000 | $20.80/mo | $601 | 3★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-050-000 | $29.70/mo | $615 | 3★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-375-000 | $66.50/mo | $615 | 2.5★ |
| MedicareBlue Rx Standard (PDP) MedicareBlue Rx · S5743-001-000 | $101/mo | $615 | 3.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-171-000 | $103.70/mo | None | 3★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-123-000 | $125.90/mo | $615 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-406-000 | $140.20/mo | $130 | 2★ |
Special needs plans 13
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Molina Medicare Complete Care (HMO D-SNP) Passport Advantage · H1799-005-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/moGives back $0.50/mo of your Part B premium | $9,250 | 3.5★ |
| UHC Complete Care IA-5 (HMO-POS C-SNP) UnitedHealthcare · H5253-180-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $27/mo | $5,900 | 4.0★ |
| Wellpoint Full Dual Advantage (HMO-POS D-SNP) Wellpoint · H0907-001-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $29/mo | $9,250 | 3.0★ |
| Wellcare Dual Access (HMO-POS D-SNP) Wellcare · H1862-004-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $29/mo | $9,250 | 3.5★ |
| Wellcare Dual Reserve (HMO-POS D-SNP) Wellcare · H1862-006-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $30.20/mo | $5,000 | 3.5★ |
| Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) Wellpoint · H0907-003-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $31.70/mo | $9,250 | 3.0★ |
| Wellcare Dual Liberty Sync (HMO-POS D-SNP) Wellcare · H1862-003-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $31.90/mo | $9,250 | 3.5★ |
| HumanaChoice SNP-DE H5216-268 (PPO D-SNP) Humana · H5216-268-000 | PPO | Only for people who have Medicaid as well as Medicare | $31.90/mo | $9,250 | 3.5★ |
| UHC Dual Complete IA-S001 (HMO-POS D-SNP) UnitedHealthcare · H0169-001-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $41.50/moGives back $0.90/mo of your Part B premium | $9,250 | 4.0★ |
| Humana Together in Health (PPO I-SNP) Humana · H5216-413-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $41.50/mo | $9,250 | 3.5★ |
| Iowa Health Advantage (HMO I-SNP) Iowa Health Advantage · H6765-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $41.50/mo | $9,250 | 4.5★ |
| Iowa Health Advantage Choice (HMO I-SNP) Iowa Health Advantage · H6765-002-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $41.50/mo | $9,250 | 4.5★ |
| Humana Together in Health Select (PPO I-SNP) Humana · H5216-453-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $138/mo | $4,900 | 3.5★ |
Medicare Advantage plans without drug coverage 5
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx IA-MA01 (PPO) UnitedHealthcare · H8768-018-000 | PPO | $0/moGives back $150/mo of your Part B premium | $8,900 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-278-001 | PPO | $0/moGives back $135/mo of your Part B premium | $4,700 | 3.5★ |
| MercyOne Health Plan Glory No RX (HMO) MediGold · H3668-029-000 | HMO | $0/moGives back $100/mo of your Part B premium | $5,900 | 4.5★ |
| Aetna Medicare Eagle (HMO-POS) Aetna Medicare · H1609-058-000 | HMO-POS | $0/moGives back $90/mo of your Part B premium | $6,750 | 4.5★ |
| Blue Medicare Advantage Valor PPO (PPO) Wellmark Advantage Health Plan · H5900-006-000 | PPO | $0/mo | $6,750 | 3.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $127–$716/mo from 39 companies, at age 65.
- Plan N: $95–$565/mo from 36 companies, at age 65.
Discussion
Questions and experiences from other visitors. Comment guidelines
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