Medicare Advantage

Does Gilbert Have a PFFS Medicare Advantage Plan for 2027?

Maricopa County has 92 Medicare Advantage plans for 2027. Compared with 2026, 13 plans are not coming back, 17 are new, and 33 continuing plans changed in some way you should check before December 7, 13 of them under a new name. This guide covers what those numbers mean for Gilbert, not which plan to pick.

Gilbert, Ariz. — As the Annual Enrollment Period opens on October 15, 2026, Gilbert residents sorting through their 2027 Medicare Advantage options will see three letters again and again: HMO, HMO-POS and PPO. The letters are not marketing. They are plan types, and they decide how you see doctors, whether you need a referral, and what happens when you get care outside the plan's network. Here is how the lineup for Maricopa County — the county Gilbert sits in — breaks down for 2027, and what each type actually means.

How do Maricopa County's 2027 Medicare Advantage plans split by type?

For plan year 2027, Maricopa County — the county Gilbert is in — has 92 Medicare Advantage plans from 16 carriers. By type, that is 56 HMO plans, 19 HMO-POS plans and 17 PPO plans. There are no PFFS plans in the county's 2027 lineup.

Counting HMO and HMO-POS together, 75 of the 92 plans use an HMO structure of some kind, and 17 are PPOs. The full plan-by-plan roster is in the table below.

What is the difference between HMO, HMO-POS, PPO and PFFS?

An HMO (Health Maintenance Organization) asks you to use the plan's network of doctors and hospitals, and often to pick a primary care doctor who gives referrals to specialists. Out-of-network care is generally not covered except in emergencies.

An HMO-POS (Point of Service) is an HMO with a limited "point of service" option — you can go to certain providers outside the network for specific services, usually at a higher cost. The rules vary by plan.

A PPO (Preferred Provider Organization) also has a network, but it covers out-of-network care too, typically at a higher share of the cost. Referrals are usually not required.

A PFFS (Private Fee-for-Service) plan sets its own payment terms with providers; you can see any Medicare provider who agrees to accept the plan. No PFFS plans are offered in Maricopa County for 2027.

None of these types is cheaper or better on its own. What matters is whether your doctors are in the plan's network and how you want to handle care when you travel.

Which carriers offer HMO plans in Gilbert for 2027?

For 2027, the carriers offering HMO plans in Maricopa County are, in alphabetical order: Aetna (CVS Health), Alignment Health Plan, Banner Medicare Advantage, Blue Cross Blue Shield of Arizona, Centene (WellCare), Devoted Health, Elevance Health (Anthem), eternalHealth, HealthSpring, Humana, Mercy Care Advantage, Molina Healthcare of Arizona, SCAN Health Plan and Verda Health Plan of Arizona.

That is the broadest group of the three plan types. The table below shows which specific HMO plans each carrier offers.

Which carriers offer HMO-POS and PPO plans in Gilbert for 2027?

For 2027 in Maricopa County, HMO-POS plans are offered by Elevance Health (Anthem), eternalHealth, Gold Kidney Health Plan, SCAN Health Plan and UnitedHealthcare. PPO plans are offered by Aetna (CVS Health), Devoted Health, HealthSpring, Humana and UnitedHealthcare.

If seeing out-of-network providers matters to you — because you split time between Arizona and another state, for example, or because a specialist you want is not in a given network — the PPO column is where to start looking. The table below lists every plan by carrier and type.

What is changing in Maricopa County for 2027?

Compared to 2026, the Maricopa County lineup has 17 new plans, 13 plans that are not returning, and 13 plans that are being renamed. Overall, the county's plan count moves from 88 in 2026 to 92 in 2027, and the carrier count stays at 16.

If your current plan is on the "not returning" list, your carrier is required to tell you. If it is renamed or changed, the details are in your Annual Notice of Change (ANOC), which plans mail in September. If you do nothing and your plan is offered next year, it renews automatically with those changes.

What should Gilbert residents do before December 7, 2026?

The Annual Enrollment Period runs October 15 – December 7, 2026, and a change made in that window takes effect January 1, 2027. The practical step is to read your ANOC, check that your doctors and prescriptions still fit the plan, and compare using the official Medicare Plan Finder at medicare.gov.

A few 2027 program-level figures are already confirmed and apply across all Part D and Medicare Advantage drug plans: the Part D out-of-pocket cap rises to $2,400 (from $2,100 in 2026), and the Part D maximum deductible rises to $700 (from $615 in 2026). The 2027 Part B standard premium, Part B deductible and IRMAA income brackets have not been announced yet; CMS typically publishes them later in the fall.