Medicare Advantage

Got a Medicare Advantage Non-Renewal Notice? Read This

For 2027, Cape Coral is looking at 55 Medicare Advantage plans from 11 carriers: 13 new, 24 gone since 2026, and 23 continuing plans with at least one change on file, with 12 more keeping their coverage but under a new name. Below, how the lineup shifted in Lee County and what to compare, with no plan ranked or recommended.

Medicare AdvantageCape Coral, FL

CAPE CORAL, Fla. — If you have a Medicare Advantage plan in Cape Coral, this fall's mailbox will matter. In Lee County, 24 Medicare Advantage plans are set to leave after 2026, 13 new plans are joining the market for 2027, and another 12 are keeping their coverage but changing names. That is a lot to sort through before the December 7 deadline.

The changes come from the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage Landscape Source Files, comparing what carriers offered in Lee County for 2026 with what they have filed for 2027. Cape Coral is in Lee County, so these county-level filings shape the choices for local residents.

What "leaving," "new" and "renamed" really mean

A plan leaving the county is one the carrier will not offer to Lee County residents in 2027. If you're enrolled in one of these, you'll receive a non-renewal notice.

A new plan is one being offered in Lee County for the first time in 2027. This includes plans from a carrier already here, plus any plans from Devoted Health, which is entering the county next year.

A renamed plan is the same contract with a new label. Your coverage is not disappearing, but the name on your card or paperwork may change. Renaming can also come with other adjustments, so you'll want to read the fine print.

Separately, CMS records show 23 continuing plans have at least one change on file for 2027 — that could be premium, deductible, plan type or name. We are not going to guess at the specifics; your Annual Notice of Change (ANOC) will spell out exactly what is different for your plan.

Which plans are leaving Lee County after 2026

The 24 non-renewing plans, listed alphabetically by carrier, include:

• Aetna (CVS Health): Aetna Medicare Signature (PPO)
• Align Senior Care: Premier Care (HMO I-SNP); Senior Care (HMO I-SNP)
• Blue Cross Blue Shield (HCSC): HealthSpring Preferred (HMO); HealthSpring TotalCare (HMO D-SNP); HealthSpring TotalCare Plus (HMO D-SNP)
• Centene (WellCare): Wellcare Dual Access Sync (HMO D-SNP); Wellcare Dual Reserve (HMO D-SNP); Wellcare Patriot Giveback (HMO); Wellcare Sunshine Health Dual Align (HMO D-SNP)
• Elevance Health (Anthem): Freedom Medi-Medi Full (HMO D-SNP); Optimum Diamond Rewards (HMO C-SNP); Optimum Diamond Rewards COPD (HMO C-SNP); Optimum Emerald Full (HMO D-SNP); Simply Complete Platinum (HMO D-SNP); Simply Integrated Platinum (HMO D-SNP)
• Humana: Humana Direct Choice Giveback (PPO); Humana Full Access Giveback H5216-393 (PPO); Humana Full Access Giveback H7617-111 (PPO); Humana USAA Honor Giveback (PPO); HumanaChoice Florida H5216-304 (PPO); HumanaChoice Florida H7617-109 (PPO)
• UnitedHealthcare: UHC Dual Complete FL-Y5 (HMO-POS D-SNP)

Blue Cross Blue Shield (HCSC) will not have any Medicare Advantage plans in Lee County for 2027. If you are enrolled in one of the HealthSpring plans, you will need to pick something else or return to Original Medicare.

What's new for 2027

Thirteen plans are being added in Lee County for 2027. Highlights include the arrival of Devoted Health, a carrier that has not previously sold Medicare Advantage in the county, with DEVOTED CHOICE GIVEBACK 016 FL (PPO). Other new options come from Aetna (CVS Health), Align Senior Care, Elevance Health (Anthem), Florida Blue, Florida Blue HMO, Humana and UnitedHealthcare. The table below lists every plan available for the coming year.

Renamed plans — same coverage, new label

Twelve plans are keeping their contracts but changing names. Examples include Aetna Medicare Signature Legacy (PPO), which was Aetna Medicare Signature (PPO); Wellcare Giveback and Wellcare Simple, both moving from HMO to HMO-POS; and several UnitedHealthcare Dual Complete plans getting new suffixes (for example, UHC Dual Complete FL-Q1 was FL-D003).

If your ID card looks unfamiliar in January, a renaming may be the reason. Your ANOC will confirm.

What to do if your plan is leaving

If you receive a non-renewal letter, you have two windows to act:

1. Annual Enrollment Period (AEP): October 15 through December 7, 2026. This is the main window for anyone with Medicare to change Advantage or Part D plans for 2027. 2. Special Enrollment Period (SEP) for non-renewal: If your plan is ending, CMS gives you an SEP that runs through the end of February 2027. You can use it to join a different Medicare Advantage plan or return to Original Medicare with a stand-alone Part D plan.

There is also the Medicare Advantage Open Enrollment Period from January 1 through March 31 for those already in an MA plan who want to switch once.

A few program-level facts worth keeping in mind while you compare:

• The Part D out-of-pocket cap is $2,100 in 2026.
• The Part D maximum deductible is $615.
• The coverage gap ("donut hole") is gone as of 2025; Part D now has three phases.
• The Medicare Prescription Payment Plan lets you smooth drug costs into monthly payments if you choose.
• IRMAA surcharges begin above $109,000 in income for a single filer in 2026.

How to compare your options

1. Read your ANOC. It arrives by late September and shows exactly what is changing on your current plan. 2. Check your doctors and drugs. Log in to medicare.gov's Plan Finder, enter your prescriptions and preferred pharmacy, and confirm your providers are in-network for any plan you're considering. 3. Look at the whole picture, not just premium — total out-of-pocket costs, drug tiers, and rules like referrals or prior authorization vary widely. 4. Ask for help. Florida's SHINE program (Florida's State Health Insurance Assistance Program, or SHIP) offers free, unbiased counseling.