Medicare Advantage
Anthem's 2027 Medicare Advantage lineup in St. Petersburg: 14 plans, 8 not coming back
St. Petersburg, Fla. — October 2026. Anthem is bringing 14 Medicare Advantage plans to Pinellas County for the 2027 plan year, and eight plans it offered in 2026 will not be back, according to the CMS Medicare Advantage Landscape Source Files. If you are enrolled in one of Anthem's plans here, your Annual Notice of Change (ANOC) spells out exactly what is shifting for your plan — and the window to compare and switch runs October 15 through December 7, 2026.
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Key takeaways
- Anthem (listed by CMS as Elevance Health) is offering 14 Medicare Advantage plans in Pinellas County for 2027, all HMOs; 8 of its 2026 plans are not returning and none are new.
- Of Anthem's 14 plans, 10 are Special Needs Plans (4 D-SNPs for people with both Medicare and Medicaid, 6 C-SNPs for specific chronic conditions) and 13 include Part D drug coverage.
- Doing nothing is a choice — if your plan is on the 2027 list it renews automatically with the changes in your ANOC; if it is not returning, Medicare will send a non-renewal notice and you can switch between Oct. 15 and Dec. 7, 2026.
- Check any plan against your own doctors, hospitals and prescriptions at medicare.gov/plan-compare or by calling 1-800-MEDICARE before you enroll.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Pinellas County (2026) | 129 | CMS |
| Medicare Advantage plans offered in Pinellas County (2027) | 118 | CMS |
| Plans not returning for 2027 / new for 2027 | 29 / 18 | CMS |
| Organizations offering Medicare Advantage in Pinellas County (2026) | 18 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Pinellas County | 61% | CMS |
| Residents age 65 and older, Pinellas County | 254,248 | 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.
MyMedicarePlans.org is an independent consumer news site. We are not Anthem, and we are not Medicare. The lineup below is drawn from CMS's public plan file for Pinellas County, the county St. Petersburg sits in. Fifteen other carriers also offer Medicare Advantage plans in Pinellas for 2027, for a county total of 118 plans.
Which Anthem Medicare Advantage plans are offered in St. Petersburg for 2027?
Anthem is offering 14 Medicare Advantage plans in Pinellas County for the 2027 plan year, all of them HMOs. The table below lists every plan by name and type; here they are in alphabetical order:
Freedom Medi-Medi Partial (HMO D-SNP); Freedom Medicare Plan Rx (HMO); Freedom Savings Plan (HMO); Freedom VIP Care (HMO C-SNP); Freedom VIP Savings (HMO C-SNP); Freedom VIP Savings COPD (HMO C-SNP); Optimum Diamond (HMO C-SNP); Optimum Diamond Rewards (HMO C-SNP); Optimum Diamond Rewards COPD (HMO C-SNP); Optimum Emerald Partial (HMO D-SNP); Optimum Gold Rewards Plan (HMO); Optimum Platinum Plan (HMO); Simply Complete Platinum (HMO D-SNP); Simply Integrated Platinum (HMO D-SNP).
Thirteen of the 14 include Part D prescription drug coverage. One, Freedom Savings Plan (HMO), does not — enrollees in a Medicare Advantage plan without drug coverage generally cannot add a stand-alone Part D plan, so that is worth double-checking against your prescription list.
What is new or not returning in Anthem's 2027 St. Petersburg lineup?
For 2027, Anthem has 0 new plans in Pinellas County and 8 plans that are not returning, compared with its 2026 lineup. None were simply renamed in the CMS file.
If you are currently in an Anthem plan that is on the 2027 list above, your coverage renews January 1, 2027 with whatever changes the plan has filed — those changes are listed in the Annual Notice of Change (ANOC) you should have received by late September. If your plan is not on the list, Anthem is required to send a non-renewal letter, and you have a special opportunity to pick a different plan or return to Original Medicare. The important thing: the specific changes to premiums, copays, drug tiers and networks live in your ANOC and the plan's Evidence of Coverage, not in a news article.
What are the Special Needs Plans in Anthem's 2027 lineup?
Ten of Anthem's 14 St. Petersburg-area plans for 2027 are Special Needs Plans (SNPs), broken down as 4 Dual Eligible SNPs (D-SNPs) and 6 Chronic Condition SNPs (C-SNPs). Anthem is not offering an Institutional SNP (I-SNP) here.
- D-SNPs are for people who have both Medicare and Medicaid. In Anthem's 2027 Pinellas lineup these include Freedom Medi-Medi Partial, Optimum Emerald Partial, Simply Complete Platinum and Simply Integrated Platinum.
- C-SNPs are for people living with one or more qualifying chronic conditions, such as diabetes, cardiovascular disorders or COPD. Anthem's C-SNPs in the 2027 lineup include Freedom VIP Care, Freedom VIP Savings, Freedom VIP Savings COPD, Optimum Diamond, Optimum Diamond Rewards and Optimum Diamond Rewards COPD.
You can only enroll in a SNP if you meet the eligibility rules, and plans may ask for proof — a Medicaid card for a D-SNP, or a doctor's confirmation of your condition for a C-SNP.
How do I check an Anthem plan against my doctors and prescriptions before December 7?
Use the Medicare Plan Finder at medicare.gov/plan-compare — it is the official tool and it checks each plan's current provider network and drug list. Build the list before you log in and the comparison takes about 20 minutes.
A simple checklist that works well during Annual Enrollment 2027:
1. Make a list of your doctors, specialists, preferred hospital and any home-health or dialysis provider. 2. Make a list of every prescription you take, with dose and how often. Keep the bottles handy. 3. Enter your ZIP code (a St. Petersburg ZIP will return Pinellas County plans) and your drug list at medicare.gov/plan-compare. 4. Open each plan you are considering and confirm your doctors appear in-network and each drug is on the formulary at a tier you can afford. 5. Call the plan directly using the number on the Plan Finder page to confirm the provider is still accepting the plan for January 1, 2027. Networks change during the year. 6. If a plan is a SNP, confirm you qualify before enrolling.
If you prefer to talk to a person, 1-800-MEDICARE (TTY 1-877-486-2048) is open 24/7 and can walk through options with you.
What are the Medicare dates and figures that apply in 2027?
The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027. If you stay in a Medicare Advantage plan and want to switch to a different Advantage plan or back to Original Medicare, the Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027.
CMS has confirmed a few program-wide numbers for 2027:
- Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
- Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
- Part D national base beneficiary premium: $41.33 for 2027. This is a formula input used across the program; it is not what any specific plan charges.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been published as of early fall 2026. CMS typically announces those in November. For 2026, IRMAA surcharges begin above $109,000 in income for a single filer.
The coverage gap (the old "donut hole") was eliminated in 2025, so Part D now has three phases: deductible, initial coverage and catastrophic. The Medicare Prescription Payment Plan lets you spread your drug costs across the calendar year in monthly installments; you can opt in through your Part D plan.
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 Pinellas County
(MA penetration in Pinellas 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
Anthem Medicare Advantage plans in Pinellas County for 2027
CMS lists 14 Anthem Medicare Advantage plans in Pinellas County for 2027, alphabetically by carrier. 16 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Elevance Health (Anthem) 14 plans | |||
| Freedom Medi-Medi Partial (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Freedom Medicare Plan Rx (HMO) | HMO | Yes | Returning |
| Freedom Savings Plan (HMO) | HMO | No | Returning |
| Freedom VIP Care (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Freedom VIP Savings (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Freedom VIP Savings COPD (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Optimum Diamond (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Optimum Diamond Rewards (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Optimum Diamond Rewards COPD (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Optimum Emerald Partial (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Optimum Gold Rewards Plan (HMO) | HMO | Yes | Returning |
| Optimum Platinum Plan (HMO) | HMO | Yes | Returning |
| Simply Complete Platinum (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Simply Integrated Platinum (HMO D-SNP) | HMO D-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 Anthem Medicare Advantage plans in Pinellas 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.
Explore
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
Do I have to do anything if I am already in an Anthem Medicare Advantage plan in St. Petersburg?
Does Anthem offer a PPO in Pinellas County for 2027?
Can I enroll in a Special Needs Plan if I do not have the condition it is designed for?
Where can I get help if I am stuck?
Watch
The Medicare Advantage changes for 2027 in Florida, in 34 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 St. Petersburg
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 File (plan year 2027): Anthem's plan list for Pinellas County and the year-over-year count of plans not returning.
- CMS — Medicare Advantage Landscape Source File (plan year 2026): the prior-year Anthem lineup used for the comparison.
- CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap, $700 maximum deductible, and $41.33 national base beneficiary premium.
- Medicare.gov: the Annual Enrollment and Medicare Advantage Open Enrollment dates and the Plan Finder tool.
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.