Medicare Advantage
Blue Cross Blue Shield of Arizona's 2027 Medicare Advantage plans in Gilbert: one new, none leaving
GILBERT, Ariz. — As the Annual Enrollment Period for 2027 Medicare coverage opens Oct. 15, 2026 and runs through Dec. 7, Gilbert residents weighing Blue Cross Blue Shield of Arizona Medicare Advantage plans will see a familiar lineup with one addition. For plan year 2027, the carrier is offering four Medicare Advantage plans in Maricopa County — the county Gilbert is in — including one plan that is new for next year and none that are leaving.
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Key takeaways
- Blue Cross Blue Shield of Arizona is offering four Medicare Advantage plans in Maricopa County for 2027, all HMOs and all with drug coverage.
- One of those plans, Blue Best Life Select (HMO), is new for 2027; none of the carrier's current plans are leaving.
- One of the four is a Dual Eligible Special Needs Plan (D-SNP) for people who have both Medicare and Medicaid.
- The Annual Enrollment Period runs Oct. 15 through Dec. 7, 2026; a change made in that window takes effect Jan. 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Maricopa County (2026) | 88 | CMS |
| Medicare Advantage plans offered in Maricopa County (2027) | 92 | CMS |
| Plans not returning for 2027 / new for 2027 | 13 / 17 | CMS |
| Organizations offering Medicare Advantage in Maricopa County (2026) | 16 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Maricopa County | 52% | CMS |
| Residents age 65 and older, Maricopa County | 742,814 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This article is a plain look at that carrier's full 2027 roster in the county, how to read it next to your own doctors and prescriptions, and what to do before Dec. 7. MyMedicarePlans.org is an independent consumer site and is not Blue Cross Blue Shield of Arizona or Medicare.
What Medicare Advantage plans does Blue Cross Blue Shield of Arizona offer in Gilbert for 2027?
In Maricopa County, which includes Gilbert, Blue Cross Blue Shield of Arizona is offering four Medicare Advantage plans for 2027. All four are HMOs, and all four include prescription drug coverage. One of the four is a Dual Eligible Special Needs Plan (D-SNP), designed for people who qualify for both Medicare and Medicaid.
The carrier's 2027 plans in the county, in alphabetical order, are:
- Blue Best Life Classic (HMO) — HMO with drug coverage
- Blue Best Life Plus (HMO) — HMO with drug coverage
- Blue Best Life Select (HMO) — HMO with drug coverage; new for 2027
- Health Choice Pathway (HMO D-SNP) — HMO D-SNP with drug coverage
The table on this page lists every plan with its type and drug-coverage status. For premiums, copays, provider networks, drug formularies and star ratings, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE.
What is new or not returning from this carrier in 2027?
One plan is new for 2027 — Blue Best Life Select (HMO) — and none of Blue Cross Blue Shield of Arizona's current Maricopa County plans are being discontinued for 2027. Returning plans can still change year to year. Every carrier sends an Annual Notice of Change (ANOC) each fall that lists what is changing on your current plan — premium, deductible, copays, drug tiers, extra benefits, and the provider and pharmacy network — for the coming year. If you are already in one of these plans, read the ANOC before you decide to stay or switch.
How do I check these plans against my doctors and prescriptions before Dec. 7?
Use the Medicare Plan Finder at medicare.gov. It is the official tool, and it lets you compare plans side by side using your own information. A reliable order of operations:
1. Make a list of your doctors and other providers, your pharmacies, and every prescription drug you take, with the dose and how often. 2. Go to medicare.gov/plan-compare, enter your ZIP code, and filter to Medicare Advantage plans in Maricopa County. 3. Add your drugs and preferred pharmacy so the tool shows your estimated yearly drug costs on each plan. 4. On each plan you are considering, check whether your doctors are in-network and whether each drug is on the formulary and at what tier. 5. If a plan is a D-SNP, confirm you meet the eligibility rules for that plan.
If you would rather talk to a person, 1-800-MEDICARE is open 24/7.
How does Blue Cross Blue Shield of Arizona's lineup fit into the Maricopa County market for 2027?
Blue Cross Blue Shield of Arizona is one of 16 carriers offering Medicare Advantage plans in Maricopa County for 2027. Across all carriers, 92 Medicare Advantage plans are available in the county next year. Naming them is not an endorsement — this article is focused on one carrier because that is what the headline promises. Readers who want to see the full county market can use Plan Finder to view every plan available at their ZIP code.
What should Gilbert residents know about the Annual Enrollment Period for 2027?
The Annual Enrollment Period runs Oct. 15 through Dec. 7, 2026, and any change you make in that window takes effect Jan. 1, 2027. If you do nothing, your current plan simply renews for 2027 if it is still being offered, with whatever changes are in your ANOC. There is a second window just for people already in Medicare Advantage — the Medicare Advantage Open Enrollment Period, Jan. 1 through March 31, 2027 — when you can switch to another Medicare Advantage plan or move back to Original Medicare once.
A few 2027 program figures are already set. The Part D out-of-pocket cap rises to $2,400 in 2027 (from $2,100 in 2026), and the Part D maximum deductible rises to $700 in 2027 (from $615 in 2026). The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet; CMS usually publishes them later in the fall.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Maricopa County
(MA penetration in Maricopa County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Blue Cross Blue Shield of Arizona Medicare Advantage plans in Maricopa County for 2027
CMS lists 4 Blue Cross Blue Shield of Arizona Medicare Advantage plans in Maricopa County for 2027, alphabetically by carrier. 15 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Blue Cross Blue Shield of Arizona 4 plans | |||
| Blue Best Life Classic (HMO) | HMO | Yes | Returning |
| Blue Best Life Plus (HMO) | HMO | Yes | Returning |
| Blue Best Life Select (HMO) | HMO | Yes | New |
| Health Choice Pathway (HMO D-SNP) | HMO D-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Blue Cross Blue Shield of Arizona Medicare Advantage plans in Maricopa County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
Do I have to do anything during Annual Enrollment if I like my current plan?
What is a D-SNP, and is it right for me?
Will the plan I pick cover my current doctors and prescriptions?
What happens if I miss the Dec. 7 deadline?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Gilbert
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (plan year 2027): Blue Cross Blue Shield of Arizona's plan names, plan types, drug-coverage status, Special Needs Plan designation, and the Maricopa County plan and carrier counts.
- CMS — Medicare Advantage Landscape Source File (plan year 2026 vs. 2027): what is new and what is not returning for the carrier.
- CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap and $700 maximum deductible for 2027.
- Medicare.gov — enrollment periods and the Plan Finder tool used to compare plans against your doctors and drugs.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Content Integrity Standards
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This page was last updated: October 2026.