Learn more about how Allstar Financial Insurance can help you with Medicare Advantage plan (aka Medicare Part C), your Medicare Prescription Drug Plan (aka Medicare Part D), and Medicare Supplement (aka Medigap) plan.
Request A Free Quote or Consultation
You Will Receive a Response Within 24 Hours!
Call Today, Phone: (425) 814-6378
2027 Medicare Annual Election Period (AEP)
October 15 – December 7, 2026
2027 Medicare Annual Election Period
Medicare plans can change their premiums, copays, deductibles, prescription coverage, benefits, and provider networks each year. The Annual Election Period (AEP), October 15 through December 7, is your opportunity to review your coverage and make changes for 2027.
Medicare generally serves people age 65 and older, along with certain younger individuals with disabilities or qualifying medical conditions.
What Can You Do During AEP?
- Enroll in a Medicare Advantage (Part C) or prescription drug (Part D) plan if eligible.
- Switch your Medicare Advantage or Part D coverage.
- Keep your current plan. Coverage generally renews automatically unless the plan is discontinued or you take other action.
Important 2027 Plan Updates
Plans requiring special attention
- Wellcare: Current information indicates Washington coverage will generally be limited to Dual Eligible plans for people who have both Medicare and Medicaid.
- UnitedHealthcare/AARP: Agent availability and plan offerings are changing. Providence Medical Group—including Swedish, PacMed, Kadlec, and Providence—may be out of network for affected plans. Verify your specific plan and providers.
Other plans to review
- Humana: Optum Healthcare is returning to the network. Certain plans offer a $20 specialist copay and dental benefits up to $4,000.
- Devoted Health: Expanding into King County and areas farther north, potentially providing additional options for Providence patients.
- Aetna: Remains in network with UW Medicine.
- Regence: Compare premiums and out-of-pocket costs carefully.
- Molina: Coverage is expected to be limited to Dual Eligible plans in Washington.
- SCAN: Available in Pierce County and areas farther south, with MultiCare in network.
- Kaiser Permanente: Relatively few changes are anticipated compared with last year.
- Phoenix Health: Consider reviewing Medicare Savings Account (MSA) plans if this type of coverage interests you.
Your 2027 Medicare Checklist
- Read your Annual Notice of Change (ANOC). Review premiums, copays, benefits, and coverage changes.
- Check your doctors. Confirm your preferred providers and hospitals are in network.
- Review prescriptions. Verify medication coverage, pharmacy options, and costs.
- Compare total costs. Consider premiums, deductibles, copays, and potential out-of-pocket expenses.
- Act by December 7, 2026. Most AEP changes take effect January 1, 2027.
Compare plans using the Medicare plan comparison tool.
Medicare Advantage aka Part C
Plan benefits vary by county and plan. Verify 2027 benefits, costs, eligibility, and provider networks before enrolling.
Regence
Compare 2027 premiums, provider networks, and total out-of-pocket costs to see how Regence fits your needs.
Kaiser
Relatively few changes are anticipated for Kaiser Permanente compared with last year. Review your specific plan benefits, costs, and provider network for 2027.
Wellcare
Current information indicates Washington coverage will generally be limited to Dual Eligible plans for people who have both Medicare and Medicaid. Check plan availability and eligibility for 2027.
Aetna
Aetna remains in network with UW Medicine. Confirm that your specific doctors, hospitals, and benefits are included in the plan you are considering.
AARP
UnitedHealthcare/AARP plan offerings and agent availability are changing. Providence Medical Group—including Swedish, PacMed, Kadlec, and Providence—may be out of network for affected plans. Verify your specific plan and providers.
Humana
For 2027, Optum Healthcare is returning to the network. Certain plans offer a $20 specialist copay and dental benefits up to $4,000. Benefits vary by plan, so confirm the details for the plan you are considering.
Scan
We offer a range of Medicare coverage options tailored to your needs.
-
Medicare Advantage (Part C): Replaces Parts A & B; covers medical expenses (no prescriptions).
-
Prescription Drug (Part D): Covers prescriptions only.
-
Medicare Advantage + Prescription Drug (C + D): Combines medical and prescription coverage.
-
Medicare Supplement: Fills gaps in Original Medicare (A & B); can be paired with a stand-alone Drug Plan.
Medicare Gap Plans
Medicare Advantage vs Medicare Supplement
There are 2 types of plans designed to fill the gaps left by Medicare. There are Medicare Advantage Plans and Medicare Supplement plans. Medicare Supplement plans tend to have higher premiums than Medicare Advantage but less potential financial exposure. Supplements do not include many of the extra and ancillary benefits offered by Medicare Advantage (Dental, Vision, OTC, etc) Also Medicare Supplement plans do not include drug coverage, you have to get a standalone Medicare Part D; prescription drug plan.
Medicare Supplement aka Medigap
Regence
Plans A, G, K and N plans available. If you’re enrolled into Medicare before 2020 Plan F is also available
Premera
Plans A, G, High Deductible G and N plans available. If you’re enrolled into Medicare before 2020 Plan F is also available.
Mutual of Omaha
Plans A, G, High Deductible G and N plans available. If you’re enrolled into Medicare before 2020 Plan F is also available.
AARP
Plans A, G, K and N plans available. If you’re enrolled into Medicare before 2020. Plan F is also available.
If you enroll in a Medicare Supplement aka Medigap plan you must also enroll in a stand-alone prescription drug plan if you do not you will be penalized if you enroll later.
Medicare Part D: Prescription Drug Plans
Humana
Choose between the: Walmart Value Rx Plan, Basic Rx Plan, or the Premier Rx Plan
The plans below are for people that receive both Medicare and Medicaid. These plans are referred to as Special Needs (Dual Eligible) Plans. FYI –Medicare is Medical Insurance; Medicaid is financial assistance for low income. If you want to see if you are eligible for financial assistance, please go to https://www.washingtonconnection.org. If you qualify you may not have to pay your Medicare Part B premium ($174.80/mth), you will pay nothing when you receive care, and you will receive many additional benefits.
Medicare Advantage Special Need Plans
Wellcare
Offers both HMO and PPO plan options. Plans offer; Telehealth: $0 per call; Meals delivered right to their door to improve recovery; $750 covered additional dental, vision, or hearing services; Up to $25 every month for healthy food; $50 every month to help cover the cost of utilities; Robotic companion pet; $395 every quarter Over the Counter items.
Humana
Healthy Options Allowance $185 monthly allowance on a prepaid card to use for essentials you need to support your health. This allowance can be used to buy approved products from participating retail locations (like groceries, over-the-counter health and wellness items, personal care items, home supplies, etc.) or pay for approved services (monthly living expenses like a taxi, Uber, Lyft, etc.) Routine Acupuncture $0 copay for acupuncture visits up to 25 visits. SilverSneakers ® fitness program Basic fitness center membership including in person and digital fitness classes
Molina
Plans include $300/qtr over the counter benefits, transportation and stipend to pay utilities, food and personal emergency response system.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov
This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare.
