Pennsylvania Medicare Plans 2027

Across the country, large insurers are cutting PPOs and pulling out of counties for 2027. In Pennsylvania, read your Annual Notice of Change carefully, and if you received a non-renewal letter, choose a new plan before December 31, 2026.

Source: CMS 2027 landscape data as reported by Becker’s, October 1, 2026, and company announcements. Wellmark, Blue Cross Blue Shield of North Dakota and Blue Cross Blue Shield of Mississippi are also exiting Medicare Advantage for 2027.

Pennsylvania runs two state programs, PACE and PACENET, that help eligible residents 65 and older pay for prescriptions. They work alongside Medicare Part D and can lower your costs significantly if you qualify based on income.

Medicare Advantage, also called Part C, is a way to get your Medicare benefits through a private insurance company approved by Medicare. The plan covers everything Original Medicare Part A and Part B cover, except hospice care, which Original Medicare still pays. Most plans also include Part D drug coverage, and many may add extras such as routine dental, vision and hearing benefits.

In exchange, Medicare Advantage plans generally use networks of doctors and hospitals, and may require referrals or prior authorization for some services. Every Medicare Advantage plan has a yearly out-of-pocket maximum for covered medical care, which Original Medicare does not have. You keep paying your Part B premium, plus your plan’s premium if it has one.

If you prefer Original Medicare, a Medicare Supplement (Medigap) plan pays some or all of what Medicare leaves behind, and lets you see any provider in the U.S. that accepts Medicare. Benefits are standardized by plan letter, so compare prices for the same letter across insurers.

Medigap benefits are standardized by plan letter. Prices vary by insurer, age, ZIP code and tobacco use.

If you keep Original Medicare in Pennsylvania, add a standalone Part D plan. Compare plans with your exact drugs and pharmacies using the 2027 Part D plan finder.

If your plan will not be offered in your county for 2027, you should have received a non-renewal notice in early October. Your coverage does not stop right away: it continues through December 31, 2026, so you have time to choose.

Special Needs Plans (SNPs) are Medicare Advantage plans built for specific groups. Benefits, networks and drug lists are designed around the members they serve, and many include care coordinators. For 2027, Special Needs Plans are one of the few areas where large insurers are adding plans, even as they cut PPOs.

If you turn 65 in 2027, your Initial Enrollment Period lasts seven months: the three months before your birthday month, your birthday month and the three months after. Signing up during the first three months means your coverage starts on the first day of your birthday month.

If your income and savings are limited, two programs can cut your Medicare costs sharply:

If you qualify for both Medicare and full Medicaid, you may also be able to join a Dual Special Needs Plan. See help for low-income Part D beneficiaries.

Pennsylvania’s State Health Insurance Assistance Program, APPRISE, offers free, unbiased Medicare counseling. You can also call 1-800-MEDICARE any time or compare plans with a licensed agent at no cost.

Before any call, have your Medicare card, your list of drugs and doses, your doctors and your preferred pharmacies ready. It turns a long conversation into a short one.