2027 Medicare plans in St. Joseph County, IN
The Medicare Advantage and Part D drug plans sold in St. Joseph County, Indiana for 2027 in CMS's plan data, with each plan's premium, out-of-pocket maximum and star rating. Open enrollment for 2027 runs October 15 to December 7, 2026.
At a glance
- 71 plans from 9 insurance companies
- Medicare Advantage plans with drug coverage: 32, premiums $0 to $123 a month; 21 have a $0 premium
- Part D drug plans: 8, premiums $5.30 to $225.90 a month
- Plans with a CMS star rating of 4 or more: 25
Compare these plans for your prescriptions
Enter your ZIP code and add your prescriptions to see each plan's estimated yearly cost, including your drugs, next to Cost Plus Drugs prices.
Compare plans with my prescriptionsMedicare Advantage plans with drug coverage (32)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC IN-11 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $6,700 | ★ 3.5 |
| AARP Medicare Advantage Extras from UHC IN-16 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $7,150 | ★ 3.5 |
| AARP Medicare Advantage from UHC IN-0006 (PPO)UnitedHealthcare · PPO · drug deductible $685 | $0 | $5,900 | ★ 4.0 |
| AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $7,150 | ★ 3.5 |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS · drug deductible $500 | $0 | $6,750 | ★ 3.5 |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · drug deductible $500 | $0 | $6,350 | ★ 4.0 |
| Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO · drug deductible $500 | $0 | $6,350 | ★ 4.0 |
| Aetna Medicare Value Care (PPO)Aetna Medicare · PPO · drug deductible $500 | $0 | $6,750 | ★ 4.0 |
| Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS · drug deductible $150 | $0 | $9,850 | ★ 3.0 |
| Anthem Medicare Advantage 7 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · drug deductible $595 | $0 | $7,150 | Not rated |
| DEVOTED CHOICE 005 IN (PPO)Devoted Health · PPO · drug deductible $465 | $0 | $4,800 | Not rated |
| DEVOTED CHOICE GIVEBACK 006 IN (PPO)Devoted Health · PPO · drug deductible $461 | $0 | $9,850 | Not rated |
| DEVOTED CHOICE GIVEBACK EXTRAS 025 IN (PPO)Devoted Health · PPO · drug deductible $700 | $0 | $7,350 | Not rated |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.5 |
| Humana Full Access (PPO)Humana · PPO · drug deductible $700 | $0 | $7,150 | ★ 4.0 |
| Humana Gold Plus H5619-189 (HMO-POS)Humana · HMO-POS · drug deductible $600 | $0 | $4,350 | ★ 4.0 |
| Humana Value Choice (PPO)Humana · PPO · drug deductible $700 | $0 | $7,000 | ★ 4.0 |
| HumanaChoice Giveback H5216-481 (PPO)Humana · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| Wellcare Giveback Open (PPO)Wellcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 2.5 |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · drug deductible $700 | $0 | $5,900 | ★ 3.0 |
| Wellcare Simple Open (PPO)Wellcare · PPO · drug deductible $700 | $0 | $6,200 | ★ 2.5 |
| DEVOTED CHOICE PREMIUM 007 IN (PPO)Devoted Health · PPO · drug deductible $650 | $10 | $5,900 | Not rated |
| Anthem Extra Help (HMO-POS)Anthem HealthKeepers · HMO-POS · drug deductible $700 | $17 | $4,900 | ★ 3.0 |
| HumanaChoice H5216-019 (PPO)Humana · PPO · drug deductible $700 | $34 | $6,800 | ★ 4.0 |
| Anthem Medicare Advantage 6 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · drug deductible $595 | $35 | $4,450 | Not rated |
| HumanaChoice H5216-463 (PPO)Humana · PPO · drug deductible $500 | $43 | $6,350 | ★ 4.0 |
| Anthem Medicare Advantage (PPO)Anthem Blue Cross and Blue Shield · PPO · drug deductible $95 | $45 | $6,750 | ★ 3.5 |
| AARP Medicare Advantage from UHC IN-0001 (PPO)UnitedHealthcare · PPO · drug deductible $685 | $46 | $4,450 | ★ 4.0 |
| Anthem Medicare Advantage 2 (PPO)Anthem Blue Cross and Blue Shield · PPO · drug deductible $250 | $50 | $6,750 | ★ 3.5 |
| Anthem Medicare Advantage 3 (PPO)Anthem Blue Cross and Blue Shield · PPO · drug deductible $150 | $68 | $6,750 | ★ 3.5 |
| HumanaChoice R0110-012 (Regional PPO)Humana · PPO · drug deductible $450 | $68 | $9,850 | ★ 3.5 |
| Anthem Medicare Advantage (Regional PPO)Anthem Blue Cross and Blue Shield · PPO · drug deductible $45 | $123 | $9,250 | ★ 3.5 |
Medicare Advantage plans without drug coverage (7)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO)UnitedHealthcare · PPO | $0 | $9,850 | ★ 4.0 |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO | $0 | $5,200 | ★ 4.0 |
| Anthem Veteran (PPO)Anthem Blue Cross and Blue Shield · PPO | $0 | $9,250 | ★ 3.5 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $7,900 | ★ 4.0 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $7,900 | ★ 4.0 |
| Humana USAA Honor Giveback (PPO)Humana · PPO | $0 | $7,900 | ★ 4.5 |
| HumanaChoice R0110-011 (Regional PPO)Humana · PPO | $0 | $5,400 | ★ 3.5 |
Special Needs Plans (only for people who qualify) (24)
| Plan | Premium per month | Out-of-pocket max | Stars |
|---|---|---|---|
| DEVOTED C-SNP CHOICE ENHANCED 016 IN (PPO C-SNP)Devoted Health · PPO · drug deductible $461 | $0 | $6,200 | Not rated |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 020 IN (PPO C-SNP)Devoted Health · PPO · drug deductible $700 | $0 | $7,350 | Not rated |
| DEVOTED C-SNP CHOICE PLUS 013 IN (PPO C-SNP)Devoted Health · PPO · drug deductible $461 | $0 | $9,850 | Not rated |
| Humana Dual Select H4939-002 (HMO-POS D-SNP)Humana · HMO-POS · drug deductible $150 | $0 | $9,850 | Not rated |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · HMO · drug deductible $700 | $0 | $9,150 | ★ 4.0 |
| Humana PathWays Dual Care (HMO-POS D-SNP)Humana · HMO-POS · drug deductible $700 | $0 | $9,850 | Not rated |
| Humana Senior Living Plan (PPO I-SNP)Humana · PPO · drug deductible $400 | $0 | $6,180 | ★ 4.5 |
| Humana Together in Health (PPO I-SNP)Humana · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.0 |
| Humana Together in Health (PPO I-SNP)Humana · PPO · drug deductible $700 | $0 | $9,850 | ★ 4.5 |
| Provider Partners Indiana Community Plan (HMO I-SNP)Provider Partners Health Plans · HMO · drug deductible $700 | $0 | $3,750 | ★ 3.5 |
| UHC Complete Care IN-21 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS · drug deductible $685 | $0 | $7,150 | ★ 3.5 |
| UHC Nursing Home Plan IN-F001 (PPO I-SNP)UnitedHealthcare · PPO · drug deductible $700 | $0 | $9,850 | ★ 5.0 |
| UHC PathWays Dual Care IN-Y1 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $0 | $9,850 | Not rated |
| Anthem Full Dual Advantage (HMO D-SNP)Anthem Blue Cross and Blue Shield · HMO · drug deductible $475 | $1.70 | $9,850 | Not rated |
| Humana Gold Plus SNP-DE H4939-003 (HMO-POS D-SNP)Humana · HMO-POS · drug deductible $700 | $4.80 | $9,850 | Not rated |
| Anthem I PathWays Dual Care Advantage (HMO D-SNP)Anthem Blue Cross and Blue Shield · HMO · drug deductible $615 | $9.20 | $9,850 | Not rated |
| Anthem Dual Advantage (HMO D-SNP)Anthem Blue Cross and Blue Shield · HMO · drug deductible $700 | $14.20 | $9,850 | Not rated |
| Anthem I PathWays Dual Care Advantage NFLOC (HMO D-SNP)Anthem Blue Cross and Blue Shield · HMO · drug deductible $700 | $17 | $9,850 | Not rated |
| Humana PathWays Dual Care NFLOC (HMO-POS D-SNP)Humana · HMO-POS · drug deductible $700 | $17 | $9,850 | Not rated |
| Provider Partners Indiana Advantage Plan (HMO I-SNP)Provider Partners Health Plans · HMO · drug deductible $700 | $17 | $9,850 | ★ 3.5 |
| Provider Partners Indiana Essential Plan (HMO I-SNP)Provider Partners Health Plans · HMO · drug deductible $700 | $17 | $9,850 | ★ 3.5 |
| UHC Dual Complete IN-Q1 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $17 | $9,850 | Not rated |
| UHC Dual Complete IN-S002 (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $17 | $9,850 | Not rated |
| UHC PathWays Dual Care IN-YL (PPO D-SNP)UnitedHealthcare · PPO · drug deductible $700 | $17 | $9,850 | Not rated |
Part D drug plans (to add to Original Medicare) (8)
| Plan | Premium per month | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · PDP | $5.30 | $700 | ★ 3.0 |
| Wellcare Classic (PDP)Wellcare · PDP | $8.30 | $700 | ★ 3.0 |
| Humana Basic Rx Plan (PDP)Humana · PDP | $9.30 | $700 | ★ 4.5 |
| Humana Value Rx Plan (PDP)Humana · PDP | $26.30 | $687 | ★ 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · PDP | $122.40 | $700 | ★ 2.5 |
| Humana Premier Rx Plan (PDP)Humana · PDP | $144.50 | $350 | ★ 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · PDP | $160.40 | $700 | ★ 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · PDP | $225.90 | $300 | ★ 3.0 |
Sorted by monthly premium. The lowest premium isn't always the lowest total cost: drug costs, copays and the out-of-pocket maximum matter too.
Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.