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Medicare Plan Cost Calculator

Compare Medicare health plans and estimate your costs based on expected healthcare usage

Location Selection

Insurance Carriers

Plan Types

Network Types

Individual Plans

Uncheck plans to exclude them from comparison (33 of 33 selected)

MVP
|
Excellus
|
Aetna
|
Wellcare
|
United Healthcare
|
Globe Life Insurance
|
Healthspring
|
Humana
|
Plan Comparison
Enter expected services on the left and see costs for each plan
Service / Plan
Aetna
Aetna Medicare Eagle Giveback (PPO)
H5521-323
Aetna
0 stars
Attachments
Y0001_H5521_323_PA17_SB2026_MPlan GuideEnrollment Application
Excellus
Medicare Blue Choice Freedom (HMO-POS)
H3351-007
Excellus
0 stars
Attachments
FINAL_B-3011Y26_RochHMO_DPProvDir_10-2025
Aetna
Aetna Medicare Full Dual (HMO D‑SNP)
H3312-087
Aetna
Attachments
Summary of BenefitsEvidence of Coverage
Excellus
Medicare Blue Choice Core (HMO)
H3351-022
Excellus
4 stars
Attachments
Evidence of Coverage2026 Roch MA DP Application 508FINAL_IPA-628Y26_RochHMODPProvPhrmDir_10-2025FormularyExcellus BCBS LIS & EPIC Premiums_20262026 Excellus Rochester Plan Highlights
MVP
MVP Medicare Preferred Gold without Part D (HMO-POS)
H3305-007
MVP
0 stars
Attachments
MVP Medicare Sales BrochureRochester Buffalo Summary of Benefits2026 Enrollment ApplicationBenefits at a Glance
United Healthcare
Plan F
UHCPLANF
United Healthcare
United Healthcare
Plan G
UHCPLANG
United Healthcare
United Healthcare
Plan N
UHCPLANN
United Healthcare
United Healthcare
UHC Dual Complete NY-Q001 (HMO-POS D-SNP)
H3387-015
United Healthcare
Attachments
2026 Plan HighlightsAdditional Benefit Verification Form2026 Special Supplemental Benefits for the Chronically Ill (SSBCI) Quick Reference Guide
United Healthcare
UHC Dual Complete NY-S001 (PPO D-SNP)
H2001-063
United Healthcare
Attachments
Additional Benefit Verification Form2026 Special Supplemental Benefits for the Chronically Ill (SSBCI) Quick Reference Guide
United Healthcare
UHC Dual Complete NY-S002 (HMO-POS D-SNP)
H3387-014
United Healthcare
Attachments
2026 Special Supplemental Benefits for the Chronically Ill (SSBCI) Quick Reference GuideAdditional Benefit Verification Form2026 Enrollment Request Form2026 Plan Highlights
Wellcare
Wellcare Advantage Enhanced (PFFS)
H2816-037
Wellcare
0 stars
Wellcare
Wellcare Advantage Simple (PFFS)
H2816-038
Wellcare
0 stars
Wellcare
Wellcare Fidelis Patriot Simple (HMO-POS)
H5599-010
Wellcare
0 stars
Healthspring
HealthSpring Assurance Rx (PDP)
S5617-013
Healthspring
2.5 stars
Wellcare
Wellcare Value Script (PDP)
S4802-138
Wellcare
3.5 stars
Wellcare
Wellcare Classic (PDP)
S4802-077
Wellcare
3.5 stars
Excellus
Medicare Blue Choice Prime (HMO)
H3351-023
Excellus
0 stars
Attachments
Enrollment ApplicationFINAL_IPA-628Y26_RochHMODPProvPhrmDir_10-2025Excellus_Medicare_5T_DP_evenExcellus BCBS LIS & EPIC Premiums_20262026 Excellus Rochester Plan Highlights
Excellus
High Deductible Plan G
BCBSHDG
Excellus
Globe Life Insurance
High Deductible Plan G
NCK-AREA4
Globe Life Insurance
Aetna
Aetna Medicare Elite (PPO)
H5521-521
Aetna
0 stars
Attachments
Enrollment ApplicationPlan Guide
Healthspring
HealthSpring Extra Rx (PDP)
S5617-353
Healthspring
2.5 stars
United Healthcare
AARP Medicare Rx Saver from UHC (PDP)
S5921-379
United Healthcare
2 stars
Aetna
SilverScript Choice (PDP)
S5601-006
Aetna
3 stars
Aetna
Aetna Medicare Enhanced (PPO)
H5521-522
Aetna
0 stars
Attachments
Plan GuideEnrollment Application
Humana
Humana Basic Rx Plan (PDP)
S5552-004
Humana
3 stars
Humana
Humana Value Rx Plan (PDP)
S5552-006
Humana
3 stars
MVP
MVP Medicare WellSelect with Part D (PPO)
H9615-021
MVP
0 stars
Attachments
Premiums with EPIC or LISMVP Formulary 26114v6MVP Medicare Sales BrochureRochester Buffalo Summary of Benefits2026 Enrollment ApplicationBenefits at a Glance
United Healthcare
AARP Medicare Rx Preferred from UHC (PDP)
S5921-382
United Healthcare
2 stars
Humana
Humana Premier Rx Plan (PDP)
S5884-217
Humana
3 stars
Excellus
Medicare Blue Choice Optimum (HMO-POS)
H3351-006
Excellus
0 stars
Attachments
2026 Roch MA DP Application 508FINAL_IPA-628Y26_RochHMODPProvPhrmDir_10-2025Excellus_Medicare_5T_DP_evenExcellus BCBS LIS & EPIC Premiums_20262026 Excellus Rochester Plan Highlights
MVP
MVP Medicare Preferred Gold with Part D (HMO-POS)
H3305-015
MVP
0 stars
Attachments
Premiums with EPIC or LISMVP Formulary 26114v6MVP Medicare Sales BrochureRochester Buffalo Summary of BenefitsBenefits at a Glance2026 Enrollment Application
Globe Life Insurance
Plan G
N50-AREA4
Globe Life Insurance
Primary Care Visits
visits
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Specialist Visits
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Emergency Room Visits
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Hospital Stay 1
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Hospital Stay 2
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Hospital Stay 3
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Outpatient Surgeries
surgeries
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Urgent Care Visits
visits
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MRI/CT Scans
scans
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X-rays
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Lab Tests
tests
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Prescription Drug Cost
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Premium
-$75/mo
(Part B giveback: $75)
-$900
-$35/mo
(Part B giveback: $35)
-$420
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$0/mo
$0
$35.70/mo
$428.40
$38.70/mo
$464.40
$45.70/mo
$548.40
$55/mo
$660
$60/mo
$720
$60/mo
$720
$84/mo
$1,008
$91.60/mo
$1,099.20
$105.80/mo
$1,269.60
$116/mo
$1,392
$131/mo
$1,572
$140.90/mo
$1,690.80
$158.90/mo
$1,906.80
$160/mo
$1,920
$163.70/mo
$1,964.40
$173.60/mo
$2,083.20
$224.80/mo
$2,697.60
$229/mo
$2,748
$384/mo
$4,608
Total Medical Cost
$0
$0
$0
(Max OOP reached)
$0
$0
$0
$0
$0
$0
(Max OOP reached)
$0
(Max OOP reached)
$0
(Max OOP reached)
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
Total Cost (12 months on plan)
-$900
-$420
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$428.40
$464.40
$548.40
$660
$720
$720
$1,008
$1,099.20
$1,269.60
$1,392
$1,572
$1,690.80
$1,906.80
$1,920
$1,964.40
$2,083.20
$2,697.60
$2,748
$4,608
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