Medicare Advantage
Wellcare's 2027 Medicare Advantage plans in Gilbert: three stay, one is new, four do not return
GILBERT, Ariz. — As Annual Enrollment 2027 opens, Wellcare's Medicare Advantage lineup in Maricopa County is smaller and partly rebuilt. For plan year 2027, Wellcare will offer three Medicare Advantage plans in the county Gilbert sits in, with one plan new for the year and four plans from 2026 not returning. All three carry drug coverage, and two are Special Needs Plans.
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Key takeaways
- Wellcare will offer 3 Medicare Advantage plans in Maricopa County (where Gilbert is located) for 2027, all HMOs with drug coverage.
- One plan is new for 2027 and four Wellcare plans from 2026 are not returning; if your plan is leaving, read the non-renewal notice carefully.
- Gilbert residents have other options too — 15 other carriers offer Medicare Advantage in Maricopa County for 2027, 92 plans in total across all carriers.
- The deadline to pick or switch a plan for January 1, 2027 coverage is December 7, 2026; doing nothing means your current plan renews if it is still offered.
| 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.
If you are on a Wellcare plan now, the Annual Notice of Change (ANOC) your plan mailed in September spells out exactly what shifts on January 1. You have until December 7, 2026 to make a change.
Which Wellcare Medicare Advantage plans are offered in Gilbert for 2027?
Gilbert is in Maricopa County, where Wellcare (CMS lists the parent company as Centene) offers three Medicare Advantage plans for 2027. All three are HMOs, and all three include Part D drug coverage.
Here are the three Wellcare plans available in the county next year, in alphabetical order:
- Wellcare Arizona Complete Health Dual Liberty Sync (HMO D-SNP) — new for 2027
- Wellcare Simple (HMO)
- Wellcare Specialty Simple (HMO C-SNP)
The table on this page lists every plan, and you can look up each one by name on the Medicare Plan Finder at medicare.gov to see premiums, copays, drug formularies and provider networks before you decide.
What is new or not returning from Wellcare in Maricopa County for 2027?
One Wellcare plan is new for 2027 in Maricopa County, and four plans Wellcare offered in 2026 are not returning. Wellcare Arizona Complete Health Dual Liberty Sync (HMO D-SNP) is the new entrant.
If a plan you are enrolled in is being discontinued, Wellcare is required to send a non-renewal letter. That letter triggers a Special Enrollment Period, which gives you extra time beyond December 7 to pick a new Medicare Advantage plan or go back to Original Medicare with a stand-alone Part D plan. The specifics of what is changing in any plan that is continuing — copays, drug tiers, extra benefits — are in that plan's ANOC.
What are the Special Needs Plans Wellcare offers in Gilbert?
Of Wellcare's three 2027 Medicare Advantage plans in Maricopa County, two are Special Needs Plans: one D-SNP (for people with both Medicare and Medicaid) and one C-SNP (for people with specific chronic conditions).
Special Needs Plans have eligibility rules. A D-SNP requires active Medicaid eligibility in Arizona; a C-SNP requires a qualifying chronic condition that the plan covers, verified by your doctor. If you are not sure whether you qualify, call 1-800-MEDICARE or the plan directly before enrolling.
How do I check a Wellcare plan against my doctors and drugs before December 7?
The fastest way is the Medicare Plan Finder at medicare.gov. Enter your ZIP code, then your prescriptions and your preferred pharmacy, and the tool will show each plan's drug costs and whether your medications are on its formulary.
A few steps worth taking before December 7, 2026:
1. Pull out your current plan's ANOC and read the sections on premium, drug tiers and provider network. 2. On medicare.gov, enter your drugs and pharmacies and run the comparison for 2027 plans. 3. Call each doctor's office you want to keep and ask whether they will be in-network for the specific plan you are considering in 2027 — networks can change at the plan year. 4. If you take high-cost drugs, note that the Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026), and ask about the Medicare Prescription Payment Plan if you want to spread drug costs across the year.
What else should Gilbert residents know for 2027?
Wellcare is one of 16 carriers offering Medicare Advantage in Maricopa County for 2027, and all carriers together offer 92 plans in the county. MyMedicarePlans.org is an independent consumer site; we are not Wellcare, not Centene, and not Medicare.
A few program-level 2027 figures CMS has confirmed:
- Part D out-of-pocket cap: $2,400 (up from $2,100 in 2026).
- Part D maximum deductible: $700 (up from $615 in 2026).
- Part D national base beneficiary premium: $41.33 (a formula input, not what any specific plan charges).
The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not yet been announced; CMS typically publishes those in November.
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
Wellcare Medicare Advantage plans in Maricopa County for 2027
CMS lists 3 Wellcare Medicare Advantage plans in Maricopa County for 2027, alphabetically by carrier. 15 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Centene (WellCare) 3 plans | |||
| Wellcare Arizona Complete Health Dual Liberty Sync (HMO D-SNP) | HMO D-SNP | Yes | New |
| Wellcare Simple (HMO) | HMO | Yes | Returning |
| Wellcare Specialty Simple (HMO C-SNP) | HMO C-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 Wellcare 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 Period (Open Enrollment)Anyone 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.
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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
What happens if I do nothing before December 7, 2026?
Where in Gilbert can I compare Wellcare's 2027 plans to other carriers?
Can I switch plans after December 7 if I change my mind?
Does enrolling in a Wellcare D-SNP or C-SNP affect my Original Medicare?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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 Files, plan years 2026 and 2027: the Wellcare plan counts, plan names, plan types and year-over-year changes for Maricopa County.
- CMS 2027 Part D parameters: the $2,400 out-of-pocket cap, $700 maximum deductible and $41.33 national base beneficiary premium.
- Medicare.gov: Annual Enrollment Period dates, Plan Finder, and plan comparison guidance.
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.
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This page was last updated: October 2026.