Medicare Advantage

Shopping Medicare Advantage in Gilbert for 2027? Here's the carrier-by-carrier lineup

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.

Medicare AdvantageGilbert, AZ

For Medicare shoppers in Gilbert, the 2027 plan year brings a long menu to sort through. Gilbert sits in Maricopa County, where the Centers for Medicare & Medicaid Services (CMS) lists 79 Medicare Advantage plans from 16 carriers for 2027 — and every one of those plans includes prescription drug coverage. This article walks through who is offering what, by carrier, so you can see the field at a glance before opening the Medicare Plan Finder.

How to read the 2027 Gilbert lineup

Medicare Advantage availability is set at the county level, so a Gilbert resident chooses from the same plans as anyone else in Maricopa County. For 2027, that pool is 79 plans, and every one bundles medical and drug coverage together (often called an MA-PD plan). Because all 79 include Part D, stand-alone Part D plans aren't the typical path for someone picking Advantage here.

Plan types matter because they shape how you use the plan. HMO plans usually ask you to stay in-network and pick a primary care doctor. HMO-POS ("point of service") plans work like an HMO but allow some out-of-network care. PPO plans give more flexibility to see providers outside the network, generally at a higher cost.

The carriers offering Medicare Advantage in Maricopa County for 2027

Sixteen carriers are on the 2027 Maricopa County landscape. In alphabetical order, they are:

• Aetna (CVS Health): 9 plans (HMO, PPO; 1 Special Needs)
• Alignment Health Plan: 5 plans (HMO; 3 Special Needs)
• Banner Medicare Advantage: 3 plans (HMO; 2 Special Needs)
• Blue Cross Blue Shield (HCSC): 6 plans (HMO, PPO; 1 Special Needs)
• Blue Cross Blue Shield of Arizona: 3 plans (HMO; 1 Special Needs)
• Centene (WellCare): 6 plans (HMO; 3 Special Needs)
• Devoted Health: 10 plans (HMO, PPO; 3 Special Needs)
• Elevance Health (Anthem): 5 plans (HMO, HMO-POS; 4 Special Needs)
• eternalHealth: 4 plans (HMO, HMO-POS)
• Gold Kidney Health Plan: 3 plans (HMO-POS; 3 Special Needs)
• Humana: 14 plans (HMO, PPO; 2 Special Needs)
• Mercy Care Advantage: 3 plans (HMO; 3 Special Needs)
• Molina Healthcare of Arizona: 1 plan (HMO; 1 Special Needs)
• SCAN Health Plan: 6 plans (HMO, HMO-POS; 4 Special Needs)
• UnitedHealthcare: 8 plans (HMO-POS, PPO; 4 Special Needs)
• Verda Health Plan of Arizona: 2 plans (HMO; 1 Special Needs)

The table below lists every plan by name, carrier and type, with drug-coverage status.

What Special Needs Plans are — and who they're for

Of the 79 plans in Maricopa County for 2027, some are Special Needs Plans, or SNPs. These are Medicare Advantage plans built for a specific group of people:

• D-SNPs are for people who have both Medicare and Medicaid.
• C-SNPs are for people with certain chronic conditions, such as diabetes, heart conditions, or end-stage renal disease.
• I-SNPs are for people living in institutional settings, such as a long-term care facility.

You'll see SNPs across many of the carriers listed above — for example, Banner Medicare Advantage, Mercy Care Advantage and Molina Healthcare of Arizona each have D-SNPs on the roster, while Gold Kidney Health Plan focuses on kidney- and chronic-condition SNPs. You have to qualify to enroll in a SNP.

The drug-coverage rules to know

Because every Medicare Advantage plan available in Gilbert for 2027 includes Part D, it helps to know how the drug side works:

• The Part D out-of-pocket cap is $2,100 for 2026. Once your covered drug spending hits that ceiling, you pay $0 for covered drugs the rest of the year.
• The maximum Part D deductible is $615 in 2026 ($700 in 2027).
• The old "donut hole" is gone. As of 2025, Part D has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the calendar year in monthly payments instead of paying at the pharmacy counter. It's optional and free to opt into.

Key dates for Gilbert enrollees

• Oct. 15 – Dec. 7: Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an MA plan on Jan. 1, you can switch to a different MA plan or drop back to Original Medicare (and add a Part D plan) — one change during this window.

If your income was above $109,000 as a single filer in the relevant tax year, an IRMAA surcharge may apply on top of your Part B and Part D premiums for 2026.

How to compare, without guessing

The list on this page is a starting point, not a shopping decision. To compare plans on the details that matter to you — premiums, drug formularies, provider networks, extra benefits, and star ratings — use the official Medicare Plan Finder at medicare.gov/plan-compare, or call 1-800-MEDICARE (TTY 1-877-486-2048), 24/7.

For free, unbiased one-on-one help, Arizona's State Health Insurance Assistance Program (SHIP) — known locally as SHIP/SMP through the Arizona Department of Economic Security's Division of Aging and Adult Services — can walk through options with you at no charge.