Medicare Advantage

Highmark Blue Cross Blue Shield Medicare Advantage in Delaware for 2027: 6 Plans

DOVER, Del. — For the 2027 plan year, Highmark Blue Cross Blue Shield is listed in the CMS Medicare Advantage Landscape Source Files with 6 Medicare Advantage plans available somewhere in Delaware. That is the carrier's statewide footprint; because Medicare Advantage is sold county by county, any individual plan on the list may or may not be sold in the specific county where a reader lives. This explainer, published by an independent Medicare education site that is not Highmark, not an insurance carrier and not the government, walks through what the federal file says and what Delawareans can do with it before the Annual Enrollment 2027 window closes on December 7, 2026.

What does Highmark Blue Cross Blue Shield offer across Delaware for 2027?

For 2027, Highmark Blue Cross Blue Shield has 6 Medicare Advantage plans in Delaware per the CMS Landscape Source File: 2 HMOs and 4 PPOs. Of those, 5 include Part D prescription drug coverage, and 2 are Dual Eligible Special Needs Plans (D-SNPs) built for people who have both Medicare and Medicaid. Highmark lists no Chronic Condition SNPs and no Institutional SNPs in the state for the year.

For context, CMS shows 7 other Medicare Advantage carriers active in Delaware for 2027, and all carriers combined offer 38 plans statewide. Highmark's 6 plans are one slice of that larger field.

Which Highmark plans have the widest county reach in Delaware for 2027?

Of Highmark's 6 Delaware plans, the one with the broadest county footprint for 2027 is Freedom Blue PPO Valor (PPO), listed in 3 counties without drug coverage. The two D-SNPs — Highmark Health Options Duals (HMO D-SNP) and Highmark Health Options Duals Select (HMO D-SNP) — are each listed in 3 counties with drug coverage.

The Complete Blue PPO plans cover smaller slices of the state: one Complete Blue PPO Distinct (PPO) listing appears in 2 counties, a second Complete Blue PPO Distinct (PPO) listing appears in 1 county, and Complete Blue PPO Signature (PPO) is listed in 1 county. All three Complete Blue PPO entries include drug coverage. The full plan-by-plan table on this page shows each plan's type, drug-coverage status and county count side by side; use it to see which of Highmark's six plans even reaches your county before you look at anything else.

What is new or not returning from Highmark in Delaware for 2027?

Nothing is new and nothing is leaving. The CMS year-over-year comparison between CY2026 and CY2027 shows Highmark Blue Cross Blue Shield has 0 new plans in Delaware for 2027 and 0 plans not returning. In practical terms, if you were enrolled in a Highmark Medicare Advantage plan in Delaware in 2026, that plan is on the 2027 landscape file as well.

That does not mean the inside of the plan is identical. Every year, carriers can adjust premiums, deductibles, copays, drug formularies, provider networks and extra benefits. Those details live in each plan's Annual Notice of Change and Evidence of Coverage, not in the Landscape file, and this article does not quote any of them. Read the ANOC your plan mailed you and compare it to the 2027 version on the Medicare Plan Finder.

How do I check whether a Highmark plan is offered in my Delaware county and covers my doctors and drugs?

Start at medicare.gov and enter your ZIP code; the Plan Finder will show only the plans actually sold where you live, so a plan listed statewide for Delaware in 2027 may not appear for your county. From there you can open each Highmark plan's details to see the 2027 premium, deductible, cost-sharing, Star Rating, extra benefits, pharmacy network and drug formulary.

To confirm doctors and hospitals, check the plan's own provider directory or call the number on the plan's page — networks differ between HMO and PPO products and can change during the year. To confirm prescriptions, enter each drug and your preferred pharmacy into the Plan Finder so you see the plan-specific tier and cost. If you qualify for Medicaid, the two Highmark D-SNPs on the Delaware list are the ones designed for your situation; eligibility rules apply.

What should Delawareans do before December 7, 2026?

Annual Enrollment 2027 runs October 15 through December 7, 2026, and any plan you pick in that window starts January 1, 2027. There is no need to rush — the window is almost two months long — but a few steps make the decision easier:

• Read the Annual Notice of Change from your current plan, if you have one.
• Make a short list of must-keep doctors, hospitals and prescriptions.
• Run that list through the Medicare Plan Finder at medicare.gov for your ZIP code.
• Compare any Highmark plan you are considering against the other carriers CMS lists for your county.

If you do nothing, in most cases your current plan simply renews under its 2027 terms. There is also a Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027, for people already in a Medicare Advantage plan who want to switch once.

Where can Delawareans get free help choosing a plan?

Two no-cost, non-sales options are available year-round. Medicare.gov hosts the official Plan Finder, the plan documents and side-by-side comparison tools. 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, seven days a week, and the representatives can look up plans by ZIP code and walk through enrollment. Neither charges a fee, and neither sells insurance.