Medicare Advantage

Does your doctor take this Maricopa MA plan in 2027?

Phoenix, Ariz. — As the Medicare Annual Enrollment Period runs from Oct. 15 through Dec. 7, 2026, Humana's 2027 Medicare Advantage lineup for Maricopa County is now set: 15 plans, including a new offering, three renamed ones, and no plans leaving the county. For Phoenix residents who already have a Humana plan — or are weighing one for the first time — the practical question is whether the plan you pick for 2027 covers the doctors you see and the medicines you take. Here is the full lineup, what is changing, and how to check a plan against your own care before the Dec. 7 deadline.

MyMedicarePlans.org is an independent consumer news site. We are not Humana, and Humana is one of 16 carriers offering Medicare Advantage plans in Maricopa County for 2027.

How many Humana Medicare Advantage plans are offered in Phoenix for 2027?

Humana offers 15 Medicare Advantage plans in Maricopa County — the county Phoenix sits in — for the 2027 plan year, according to the CMS Medicare Advantage Landscape Source File. The breakdown is 5 HMOs and 10 PPOs, and every one of the 15 plans includes Part D drug coverage.

Two of the 15 are Chronic-Condition Special Needs Plans (C-SNPs) built around diabetes and heart conditions. Humana does not offer a Dual-Eligible (D-SNP) or Institutional (I-SNP) plan in the county for 2027.

The table below lists every Humana plan available in the county for 2027, by name and type. Phoenix residents also have plans from 15 other carriers to consider — 92 Medicare Advantage plans in total are offered in Maricopa County next year.

What is new, renamed or leaving Humana's Phoenix lineup for 2027?

For 2027, Humana adds one new plan in Maricopa County — Humana Value Choice (PPO) — renames three existing plans, and is not discontinuing any of its current plans in the county.

The three renamed plans are:

• Humana Essentials Plus Giveback (PPO), previously named Humana Essentials Plus Giveback H5216-435 (PPO)
• Humana Essentials Plus Giveback (PPO), previously named HumanaChoice Giveback H7617-051 (PPO)
• Humana Total Complete (HMO), previously named Humana Gold Plus H4461-056 (HMO)

A renamed plan is not necessarily the same plan with a new label — benefits, costs, networks or drug lists can change from one year to the next. If you are already enrolled, the Annual Notice of Change (ANOC) your plan mailed in late September spells out what is different for 2027.

What are HMO, PPO and Special Needs Plans, and how do they differ?

An HMO (Health Maintenance Organization) generally asks you to use its network of doctors and hospitals and often requires a referral to see a specialist. A PPO (Preferred Provider Organization) typically lets you see providers outside the network, usually at a higher cost. A Regional PPO covers a broader multi-county or multi-state region.

A Special Needs Plan (SNP) is a Medicare Advantage plan limited to people who meet specific eligibility. A C-SNP, like Humana's two diabetes-and-heart plans in Maricopa County, is for people living with certain chronic conditions. You have to qualify medically to enroll, and the plan is designed around the care those conditions require.

Every Humana plan on the Maricopa County list — HMO, PPO, Regional PPO and C-SNP — includes Part D prescription drug coverage, so you would not add a separate standalone drug plan on top.

How do I check a Humana plan against my doctors and prescriptions before Dec. 7?

The fastest way to confirm a plan covers your doctors, hospitals and prescriptions is the Medicare Plan Finder at medicare.gov. You enter your ZIP code and the drugs you take (with dose and frequency), and the tool shows which plans in your area include your medicines on their formulary and what tier they fall on.

A short checklist before you choose:

1. Pull out your current member card and your Annual Notice of Change if you have a plan now. 2. List every doctor, specialist and hospital you want to keep using. 3. List every prescription with the exact dose and how often you take it. 4. On medicare.gov, run the Plan Finder for your Phoenix ZIP code and enter those drugs. 5. For each plan you're considering, call the plan or search its online provider directory to confirm each doctor is in-network for 2027 — directories update at the start of the plan year. 6. Check whether your preferred pharmacy is in the plan's preferred network for drug pricing. 7. If you have questions you cannot answer online, call 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24 hours a day, seven days a week.

The Evidence of Coverage document for any plan is the definitive source for benefits and rules; the Plan Finder summary is a starting point, not a contract.

What Part D changes should Phoenix enrollees know about for 2027?

Two Part D figures move for 2027. The annual out-of-pocket cap on covered Part D drugs rises to $2,400 in 2027, up from $2,100 in 2026. The maximum Part D deductible a plan can charge rises to $700 in 2027, up from $615 in 2026. Individual plans can set a lower deductible than the maximum.

The coverage gap — the old "donut hole" — was eliminated in 2025, so Part D now works in three phases. The optional Medicare Prescription Payment Plan is still available for anyone who wants to spread their drug costs across the year in monthly bills instead of paying at the pharmacy counter.

CMS has not yet announced the 2027 Part B standard premium and deductible or the 2027 IRMAA income brackets; those typically come out in the fall, usually November. The 2026 IRMAA surcharges begin above $109,000 in income for a single filer.

What happens if I do nothing by Dec. 7, 2026?

If you take no action by Dec. 7, 2026, and your current plan is being offered again in 2027, you stay in it automatically — with whatever changes to premium, benefits, network or drug list are described in your ANOC. Since none of Humana's current Maricopa County plans are leaving for 2027, enrollees in those plans will not be forced to switch.

If you later decide the plan is not the right fit, Medicare Advantage members have a second window: the Medicare Advantage Open Enrollment Period, Jan. 1 through March 31, 2027, when you can switch to another Medicare Advantage plan or return to Original Medicare once.