Medicare Advantage

Aetna's 2027 Medicare Advantage plans in Miami-Dade: one plan gone, one new, two renamed

MIAMI — If you have an Aetna Medicare Advantage plan in Miami-Dade County, your 2027 lineup looks a little different than it did this year. Aetna is offering five Medicare Advantage plans in the county for 2027. One plan from 2026 is not coming back, one plan is new, and two have been renamed. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice you make in that window takes effect January 1, 2027.

This article is a plain-English look at what Aetna is offering here next year, and how to check any of these plans against your own doctors and prescriptions before the deadline. MyMedicarePlans.org is an independent consumer site; we are not Aetna, and we are not Medicare.

What Aetna is offering in Miami-Dade for 2027

Miami sits inside Miami-Dade County, and Medicare plan availability is set at the county level. For 2027, Aetna (which CMS groups as Aetna (CVS Health)) is offering five Medicare Advantage plans here. All five are HMOs, and all five include Part D drug coverage.

Four of the five are Special Needs Plans — plans built for people in specific situations:

• 3 are Dual Eligible Special Needs Plans (D-SNPs), for people who have both Medicare and Medicaid.
• 1 is a Chronic Condition Special Needs Plan (C-SNP), for people with certain qualifying long-term conditions.
• The fifth is a general HMO open to Medicare beneficiaries who meet the plan's service-area and eligibility rules.

The table below lists every plan by name. You cannot judge a plan from its name alone — the premium, deductible, copays, network and drug list are what matter, and those come from the plan documents, not from us.

What's new, what's gone, and what was renamed

Here is the year-over-year picture for Aetna in Miami-Dade, drawn from the CMS Medicare Advantage Landscape Source Files for 2026 and 2027:

• New for 2027: Aetna Medicare Partial Dual Select (HMO D-SNP).
• Not returning in 2027: one Aetna plan from this year is being discontinued in the county.
• Renamed for 2027: Aetna Medicare QMB Only Select (HMO D-SNP) was previously called Aetna Medicare Dual Select (HMO D-SNP), and Aetna Medicare Select Care (HMO) was previously called Aetna Medicare Select (HMO).

A rename is more than a label change. The plan's benefits, provider network and drug list for 2027 may differ from what you had this year. Your plan's Annual Notice of Change (ANOC), which should have arrived by late September, spells out exactly what changes on January 1, 2027.

If your current plan is the one not returning, you have the Annual Enrollment Period to pick a different plan. If you do nothing and your plan is discontinued, you will generally fall back to Original Medicare for 2027 unless you choose something else.

Aetna is one of several carriers in the county

Aetna is not the only insurer selling Medicare Advantage in Miami-Dade. For 2027, 16 carriers in total are offering plans in the county, with 101 Medicare Advantage plans altogether. Even if you have been with Aetna for years, the Annual Enrollment Period is a good moment to compare your renewed plan against what else is on the shelf.

How to check a plan against your doctors and prescriptions

Before you make any choice, confirm the two things that trip people up most often: whether your doctors are in-network, and whether your prescriptions are on the plan's formulary (its drug list) at a price you can live with.

Here is a simple way to do it:

1. Pull your ANOC and your current member materials. Your ANOC compares your 2026 plan to its 2027 version. Read the sections on premium, drug deductible, specialist copays, and formulary tier changes. 2. List your prescriptions exactly. Write down each drug name, dose and how often you take it. Generic vs. brand matters. 3. List your providers. Primary care, specialists you see regularly, and your preferred hospital. 4. Go to the Medicare Plan Finder at medicare.gov. Enter your ZIP code and your drug list. The tool will show you each plan's estimated yearly drug cost, pharmacies, and whether specific doctors are listed as in-network. 5. Call the plan to double-check network status. Provider directories can lag. A quick call to the plan — and to your doctor's billing office — confirms what Plan Finder shows. 6. If you need help, call 1-800-MEDICARE (TTY 1-877-486-2048). It is open 24/7.

A few 2027 program figures worth knowing

Some Medicare numbers for 2027 are already set, and some are not:

• The Part D out-of-pocket cap is $2,400 in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible is $700 in 2027 (up from $615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input CMS uses, not the premium any specific plan charges.
• The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS usually publishes them later in the fall.

The Medicare Prescription Payment Plan — the optional program that lets you spread your drug costs across the year in monthly payments — continues into 2027.