Medicare Advantage

Medicare in Fort Wayne: 58 Plans in Allen County 2027

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. — People turning 65 in Fort Wayne this fall — and those already on Medicare who want to shop around — have a lot to look at. Allen County, which includes Fort Wayne, has 58 Medicare Advantage plans available for 2027, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data.

That number can feel like a lot. The good news is you don't have to sort through all 58 on your own. Knowing what's out there is the first step to making a calm, informed choice during this fall's Annual Enrollment Period.

What "58 plans" actually means in Allen County

Medicare plan availability is set at the county level, not the city level. So while we say "Medicare in Fort Wayne," the official count comes from Allen County. For 2027, CMS lists 58 Medicare Advantage (Part C) plans available to people who live in the county.

Those 58 plans come from 7 different insurance carriers. That means each carrier is offering, on average, several versions of a plan — sometimes with different provider networks, drug coverage, or extra features. You won't be choosing from 58 separate companies; you'll be comparing a handful of carriers and the different plans each one offers.

Stand-alone drug plans are a separate choice

The 58 figure covers Medicare Advantage plans. Stand-alone Part D prescription drug plans — the kind people on Original Medicare use for drug coverage — are counted separately, and CMS offers those on a regional basis in Indiana. When you use the Plan Finder at medicare.gov and enter your ZIP code, it will show you the Part D plans available where you live.

If you take Original Medicare (Part A and Part B) and want drug coverage, you'll pick a stand-alone Part D plan. If you go with a Medicare Advantage plan, drug coverage is usually built in.

Fort Wayne's 65-plus population, at a glance

Allen County is home to about 61,278 people age 65 and older. That's a sizeable Medicare-eligible community, and it's part of the reason carriers offer as many plan choices here as they do. More eligible residents generally means more competition among insurers to serve the area.

Star Ratings: what they are, and what they aren't

You may see "Star Ratings" when you compare plans. CMS rates Medicare Advantage and Part D contracts on a 1-to-5 scale based on things like customer service, member complaints, and preventive care. Ratings can be one useful piece of information, but they aren't a substitute for checking whether your doctors, hospitals, and prescriptions are covered.

For 2027, CMS data shows no contracts in the Allen County service area currently rated 4 stars or higher. Ratings can shift each year, so it's worth checking the current numbers on medicare.gov when you compare plans.

Key 2027 numbers to keep in mind

A few program-wide figures apply no matter which plan you choose:

• Part D out-of-pocket cap: $2,400 for the year in 2027. Once you hit that, you pay $0 for covered drugs the rest of the year.
• Part D maximum deductible: $700 in 2027.
• Coverage gap ("donut hole"): eliminated as of 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: an optional program that lets you spread your yearly drug costs into monthly payments.
• IRMAA: higher-income surcharges on Part B and Part D begin above $109,000 in income for a single filer in 2026.

Important dates

• Annual Enrollment Period (AEP): Oct. 15 – Dec. 7. This is when most people compare, join, switch, or drop Medicare Advantage and Part D plans for the following year.
• Medicare Advantage Open Enrollment Period: Jan. 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to a different Advantage plan or return to Original Medicare.

Where to get unbiased help in Fort Wayne

You don't have to figure this out alone. A few no-cost options:

• medicare.gov — Use the Plan Finder tool. Enter your ZIP code and your prescriptions to see plans available in Allen County.
• 1-800-MEDICARE (1-800-633-4227) — Available 24/7.
• Indiana SHIP (State Health Insurance Assistance Program) — Trained local counselors offer free, one-on-one Medicare help. It's not tied to any insurance company.