Medicare Advantage

Got a Medicare non-renewal letter in Gilbert? Here are the 2027 plans leaving Maricopa County

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. — If you opened your mailbox this fall and found a letter saying your Medicare Advantage plan will not be offered next year, you are not alone. Gilbert sits in Maricopa County, and according to the CMS Medicare Advantage Landscape Source Files, 13 Advantage plans available in the county for 2026 are not returning for 2027. The list is below, along with what the letter means, what happens if you do nothing, and the Special Enrollment Period you get.

Which Medicare Advantage plans are not returning in Gilbert for 2027?

Thirteen Advantage plans sold in Maricopa County, where Gilbert is located, do not appear in CMS's 2027 Landscape file. In alphabetical order by carrier, they are:

• Aetna Medicare Elite (PPO) — Aetna (CVS Health)
• Aetna Medicare Prime (HMO) — Aetna (CVS Health)
• Aetna Medicare Prime Chronic Care (HMO C-SNP) — Aetna (CVS Health)
• Aetna Medicare Prime Extra (HMO) — Aetna (CVS Health)
• Aetna Medicare Signature Extra (HMO) — Aetna (CVS Health)
• Wellcare Arizona Complete Health Dual Align (HMO D-SNP) — Centene (WellCare)
• Wellcare Dual Liberty Sync (HMO D-SNP) — Centene (WellCare)
• Wellcare Giveback (HMO) — Centene (WellCare)
• Wellcare Simple Value (HMO) — Centene (WellCare)
• Wellpoint I CareMore Home Care (HMO I-SNP) — Elevance Health (Anthem)
• eternalHealth Grand Give Back (HMO) — eternalHealth
• HealthSpring Preferred (HMO) — HealthSpring (Blue Cross Blue Shield, HCSC)
• SCAN Strive (HMO C-SNP) — SCAN Health Plan

For 2027, CMS lists 92 Advantage plans from 16 carriers in Maricopa County, so most Gilbert residents will still have a range of plans to choose from. The table on this page shows the full lineup side by side.

How do I know if my Gilbert Medicare Advantage plan is being dropped?

If your plan is on the list above, your insurer must send you a non-renewal letter (sometimes called a "plan termination" or "plan non-renewal" notice) before the Annual Enrollment Period opens on October 15, 2026. The letter will say the plan will not be offered in 2027 and that your coverage ends December 31, 2026.

A non-renewal letter is different from the Annual Notice of Change (ANOC) that every Advantage and Part D member gets each fall. The ANOC lists next year's costs and benefits for a plan that is renewing. If you only got an ANOC, your plan is still being offered next year — just with the changes the ANOC describes. If you are not sure which letter you have, call the number on the back of your plan card, or call 1-800-MEDICARE.

What happens if I do nothing after my Advantage plan ends?

If your plan is on the not-returning list and you make no other choice, you will be automatically returned to Original Medicare (Part A and Part B) on January 1, 2027. You will still have Medicare — but a few things change on that date:

• You will no longer have the extra benefits your Advantage plan included.
• You will not have Part D drug coverage, because stand-alone drug coverage is separate from Original Medicare.
• You will not have a Medigap (Medicare Supplement) policy unless you buy one.

Doing nothing is a legitimate choice if Original Medicare fits you, but most people pair it with a Part D plan and either a Medigap policy or another Advantage plan.

What is the Special Enrollment Period for a non-renewed plan?

When CMS does not renew your plan, you get a Special Enrollment Period that runs from December 8, 2026 through the end of February 2027. During that window, you can:

• Enroll in a different Medicare Advantage plan offered in Maricopa County for 2027, or
• Stay with Original Medicare and add a stand-alone Part D prescription drug plan.

You also have the regular Annual Enrollment Period (October 15 – December 7, 2026) to make a change that starts January 1, 2027. Picking a new plan during AEP is often the simplest path because there is no gap.

A plan non-renewal is also one of the situations that can trigger a Medigap guaranteed-issue right at the federal level, meaning certain Medigap policies must be sold to you without medical underwriting during a limited window. Arizona has its own rules on top of the federal ones, so check with the Arizona Department of Insurance and Financial Institutions, or call 1-800-MEDICARE, before you shop a supplement.

What should Gilbert residents do before December 7, 2026?

Start with the letter in your hand. If it is a non-renewal, you need to make an active choice; if it is an ANOC, read what is changing and decide whether the plan still fits.

A short checklist for AEP 2026:

1. Confirm whether your plan is renewing, changing, or ending. 2. List your doctors, hospitals, and prescriptions. 3. Use the Medicare Plan Finder at medicare.gov to compare 2027 plans in ZIP codes serving Gilbert, or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. 4. If you are moving to Original Medicare, decide whether you want a Part D plan and whether a Medigap policy makes sense.

A few 2027 program figures are already set: the Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026) and the Part D maximum deductible rises to $700 (up from $615 in 2026). The 2027 Part B premium, Part B deductible and IRMAA income brackets have not yet been announced; CMS typically releases those figures later in the fall.