Medicare Advantage

Fort Wayne members: your Jan. 1, 2027 default explained

For 2027, Fort Wayne is looking at 64 Medicare Advantage plans: 16 new, 10 gone since 2026, and 18 still here but changed on premium, deductible, plan type or name, 6 of them under a new name. Below, how the lineup shifted in Allen County and what to compare, with no plan ranked or recommended.

FORT WAYNE, Ind. — If you open your mailbox this fall and find a letter that says your Medicare Advantage plan will not be offered next year, you are not alone. In Allen County, which includes Fort Wayne, 10 Medicare Advantage plans listed for 2026 are not in CMS's 2027 file, according to the Medicare Advantage Landscape Source Files. The letter is called a non-renewal notice, and it comes with rights and a special window to pick something new.

Here is what the notice means, what happens if you do nothing, and the choices in front of you.

Which Medicare Advantage plans are not returning to Fort Wayne for 2027?

Ten Medicare Advantage plans available in Allen County for 2026 are not in CMS's 2027 Landscape file for the county. Listed alphabetically by carrier:

• Wellcare Assist (HMO-POS) — Centene (WellCare)
• Wellcare Assist Open (PPO) — Centene (WellCare)
• Wellcare Patriot Giveback Open (PPO) — Centene (WellCare)
• Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) — Humana
• Humana Together in Health (PPO I-SNP) — Humana
• Humana USAA Honor Giveback with Rx (PPO) — Humana
• Humana USAA Honor Giveback with Rx (PPO) — Humana
• HumanaChoice Giveback H5216-309 (PPO) — Humana
• HumanaChoice Giveback H7617-003 (PPO) — Humana
• Provider Partners Indiana Community Plan (HMO I-SNP) — Provider Partners Health Plans

Fort Wayne is in Allen County, where plan availability is set at the county level. For 2027, CMS lists 64 Medicare Advantage plans from 8 carriers in the county.

How can I tell if my Fort Wayne plan is ending in 2027?

The clearest sign is a non-renewal letter from your plan. By law, Medicare Advantage carriers must send a written notice to any member whose plan will not be offered the next year. The notice usually arrives in October and explains that your coverage will end on December 31, 2026.

That letter is different from the Annual Notice of Change (ANOC), which goes to members whose plan is continuing but changing its costs or benefits for the new year. If you only received an ANOC, your plan is still being offered — just read it carefully for what is different in 2027.

What happens if I do nothing after my plan is discontinued?

If your Medicare Advantage plan is on the not-returning list and you do not pick a new plan by December 31, 2026, you will be moved to Original Medicare (Part A and Part B) starting January 1, 2027. You will not automatically have a Part D drug plan, and you will not have the extra benefits your Advantage plan included.

Original Medicare will pay its share of hospital and medical services right away, but prescriptions, routine dental, vision and hearing are not part of it. That is why most people in this situation make an active choice before the end of the year rather than letting the default happen.

What choices do I have, and when is the Special Enrollment Period?

You have three practical paths if your plan is ending:

1. Pick a different Medicare Advantage plan for 2027 during the Annual Enrollment Period (October 15 – December 7, 2026), so your new plan starts January 1. 2. Use the Special Enrollment Period for a non-renewed plan, which runs from December 8, 2026 through February 28, 2027, to join a new Medicare Advantage plan or a stand-alone Part D plan. 3. Return to Original Medicare and add a stand-alone Part D drug plan — and, if you want it, a Medicare Supplement (Medigap) policy.

Losing coverage because your plan is leaving the area also triggers a federal guaranteed-issue right to buy certain Medigap plans without medical underwriting. Indiana has its own rules on top of that; the Indiana Department of Insurance can walk you through what applies in your situation.

The table below lists every Medicare Advantage plan offered in Allen County for 2026, so you can see your current plan in context before you compare 2027 options on the Medicare Plan Finder.

What should Fort Wayne residents keep in mind for 2027?

A few program-level numbers are worth knowing as you compare plans with drug coverage. For 2027, CMS has set the Part D out-of-pocket cap at $2,400 (up from $2,100 in 2026) and the Part D maximum deductible at $700 (up from $615 in 2026). The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not been announced yet; CMS typically publishes those in November.

In Allen County, CMS counts 10 plans not returning, 16 new plans, and 6 renamed plans for 2027. If your plan is renamed, your ANOC will spell out what changed.