2027 Medicare Advantage
IMPORTANT: Providence Medicare Advantage plans will not be available in 2027.
The information on this page is for members of all Providence Medicare Advantage plans.
Your Providence Medicare Advantage plan is ending December 31, 2026. Beginning January 1, 2027, Providence will no longer offer Medicare Advantage plans.
If you do not enroll in a new Medicare plan with a different insurance carrier by December 31, 2026, you will automatically return to Original Medicare effective January 1, 2027. See below to learn more about the differences between Medicare Advantage and Original Medicare.
Here’s how to make sure you have the Medicare coverage you need:
Get help from a licensed insurance agent or get free local assistance
- Call your agent: If you have an agent, call them for help choosing a new plan.
- Free local help: If you don’t have an agent, you can find free local assistance here:
- Oregon: https://healthcare.oregon.gov/pages/find-help.aspx
- California: https://www.coasc.org/programs/hicap/ or contact the Orange County Patient Service Team at 949-408-0814, or via email: Medicare@providence.org
- Washington: https://www.insurance.wa.gov/agent-and-company-lookup-tool
Explore plans near you
- Visit medicare.gov: Go to this website to see all the plans you can choose from. You will be able to review your Medicare options and compare plans.
- Review the Medicare & You handbook you received in the mail in late September to see all the options in your area.
Important dates
Remember these deadlines to make sure you get the coverage you need.
| Enrollment Period | Start Date | End Date |
|---|---|---|
| Annual Enrollment Period | Oct. 15, 2026 | Dec. 7, 2026 |
| Special Enrollment Period1 | Nov. 1, 2026 | Jan. 31, 2027 |
1If you don’t sign up for a new plan by Dec. 31, 2026, you’ll automatically be switched to Original Medicare starting Jan. 1, 2027. You can change your mind during the special enrollment period if you decide you want a different plan.
What happens if I don’t choose a new plan?
If you don’t choose a new Medicare Advantage plan by December 31, 2026, you’ll automatically be moved to Original Medicare and lose your Part D prescription drug plan starting January 1, 2027. Please note that Original Medicare does not include a Part D prescription drug plan so you will need to enroll in a standalone Part D plan if you want prescription drug coverage.
In addition, Original Medicare can leave a gap in services and may not cover all costs. Some costs are your responsibility to pay, including deductibles, copayments, and costs beyond maximum coverage, and they can add up.
Review those costs at: medicare.gov/basics/costs/medicare-costs
Also, Original Medicare has no yearly limit on what you pay out-of-pocket unlike Medicare Advantage.
What’s the difference between Original Medicare and Medicare Advantage?
Original Medicare covers basic health insurance for hospital (Part A) and medical needs (Part B). It doesn’t include extras that Medicare Advantage plans (Part C) may offer, such as dental care, vision, hearing, gym membership, or prescription drug coverage (Part D).
| Original Medicare (Parts A & B) |
Medicare Advantage2 (Part C) |
|
|---|---|---|
| Who provides it | Federal government | Private insurance companies |
| What’s covered | Hospital insurance (Part A) and medical insurance (Part B) for things like doctor visits, tests and preventive care | Same as Original Medicare (Part A and B) |
| Prescription drugs (Part D) | Not included, must sign up for a separate Medicare Part D plan.3 | May be included |
| Dental, Vision, Hearing | Not included | Many plans cover routine care for dental, vision and hearing |
| Additional benefits | Not included | May offer extras like gym memberships, telehealth, transportation, meal delivery and more |
| Doctors and Provider network | You can visit any doctor or hospital in the U.S. that takes Medicare | You usually must use doctors in the plan’s network |
| Out-of-pocket costs | No limit on what you pay out-of-pocket | Has a yearly maximum out-of-pocket limit on the amount you pay each year |
2You must have Parts A and B to enroll in a Medicare Advantage plan.
3If you don’t sign up for a separate prescription drug (Part D) plan or a Medicare Advantage plan with prescription drug coverage, you may have to pay penalties. Learn more here.
Frequently Asked Questions
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Is Providence no longer offering Medicare Advantage Plans at all in 2027?
Correct. All Providence Medicare Advantage plans will end on December 31, 2026. Beginning January 1, 2027, Providence will no longer offer Medicare Advantage plans.
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What happens if I don’t find a new plan?
You have until December 31st to find a plan or you’ll be moved to Original Medicare starting January 1, 2027. After December 31st, you can still enroll in a Medicare Advantage plan during what is called a Special Enrollment Period. In this Special Enrollment Period, you can apply between November 1, 2026 and January 31, 2027 and your coverage will start the first of the following month of which the application is received. So, if you enroll in January, your coverage will begin February 1st.
If you do not enroll in a new Medicare Advantage plan, you will still have Original Medicare, which does not include prescription drug coverage.
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What are you offering in my area since my plan is going away?
All Providence Medicare Advantage plans will end on December 31, 2026. Visit medicare.gov to find a new plan. You can also review the Medicare & You handbook to see all your options or get help from an insurance agent.
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I’m having trouble enrolling online
Before October 15th:
Medicare Annual Enrollment Period (AEP) begins on October 15th. You will be able to enroll on a new plan beginning on this date.
After October 15th or during a Special Enrollment Period (SEP):
If you are having trouble enrolling online, please contact your agent get free local assistance here:- Oregon: https://healthcare.oregon.gov/pages/find-help.aspx
- California: https://www.coasc.org/programs/hicap/
- Washington: https://www.insurance.wa.gov/insurance-resources/medicare/get-free-medicare-help-shiba
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Can I keep seeing my Providence doctor if I'm NOT on a Providence Medicare Advantage plan?
Maybe. Many Providence doctors accept Original Medicare and may also accept other Medicare Advantage plans.
If you want to keep seeing your doctor, use the Medicare Plan Finder tool. You can enter your doctor's name and see which Medicare plans they accept for the 2027 plan year. You can also go here to learn more about which health plans Providence accepts.
Before you enroll in a new plan, it's a good idea to also call your doctor's office and the health plan to confirm that your doctor is in the plan's network. Provider networks can change from year to year.
Need more help?
- Learn more: Find out more about your Medicare options and compare plans at Medicare.gov.
- Still have questions? Call our customer service team at 866-356-6654.
- Hours: 8 a.m. to 8 p.m. (Pacific Time) 7 days a week, October 1st through March 31st and Monday - Friday, April 1st through September 30th. We are closed on Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.