Medicare Advantage

Before You Compare Plans in Jeffersonville, Know This

JEFFERSONVILLE, Ind. — If you're turning 65 soon or thinking about switching Medicare coverage this fall, one of the first questions is usually the simplest: how many choices do I actually have? In Jeffersonville, the answer is a lot more than most people expect.

Jeffersonville sits in Clark County, where 59 Medicare Advantage plans were available for 2026, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data. Eight different carriers offered Medicare Advantage plans that include prescription drug coverage (often called MA-PD) in the county. The 2027 lineup is detailed in each plan's ANOC and on Medicare.gov's Plan Finder. That gives the roughly 20,797 residents age 65 and older in Clark County a wide field to compare during this fall's Annual Enrollment Period.

What the numbers mean for Jeffersonville

Because Medicare plan availability is set at the county level, every Jeffersonville resident sees the same menu of options as any other Clark County neighbor. That 59-plan figure covers Medicare Advantage — the private plans that bundle Part A, Part B, and usually Part D into one package.

The CMS landscape data for 2026 also showed 0 stand-alone Part D prescription drug plans listed separately for the area. Stand-alone Part D plans are typically paired with Original Medicare, so if you plan to stay with Original Medicare and add drug coverage, it's especially important to check medicare.gov's Plan Finder to see what stand-alone Part D options apply to your ZIP code for 2027.

Why 59 plans can feel like too many

Having dozens of options is a good problem to have, but it can also be paralyzing. A helpful way to narrow the list is to start with what matters most to you:

• The doctors and hospitals you already use
• The prescriptions you take
• The pharmacies that are convenient
• Whether you travel or split time in another state

Once you plug those details into the Medicare Plan Finder at medicare.gov, the tool filters the county's plans down to the ones that actually fit your situation. That usually shrinks 59 options into a much shorter, workable list.

A quick word on Star Ratings

CMS also publishes Star Ratings, which score Medicare Advantage and Part D contracts on quality and member experience. In the Clark County area, 0 contracts were rated 4 stars or higher for 2026. Star Ratings are one signal among many — they're worth looking at, but they aren't the whole story, and they don't replace checking whether your own doctors and drugs are covered.

Program facts to keep in mind for 2027

These rules apply nationwide, not just in Jeffersonville:

• Part D out-of-pocket cap: $2,100 for the year. Once you hit that, you pay $0 for covered drugs the rest of the year.
• Part D deductible: No plan can charge more than $615 as a deductible in 2026, rising to $700 in 2027.
• The donut hole is gone. As of 2025, Part D has three phases instead of four — no more coverage gap.
• Medicare Prescription Payment Plan: You can choose to spread your drug costs across the year in monthly installments instead of paying big amounts at the pharmacy counter.
• IRMAA: Higher-income beneficiaries pay extra for Part B and Part D. For a single filer in 2026, the surcharge kicks in above $109,000 in income.

Key dates for Jeffersonville shoppers

• October 15 – December 7, 2026: Medicare Annual Enrollment Period. This is when you can join, switch, or drop a Medicare Advantage or Part D plan for 2027.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you get one chance to switch to a different Advantage plan or return to Original Medicare.

Where to get unbiased help

You don't have to sort through 59 plans alone, and you shouldn't rely on a TV commercial to make the call. Free, one-on-one counseling is available through:

• Indiana SHIP (State Health Insurance Assistance Program), which offers Medicare counseling at no cost
• medicare.gov, including the Plan Finder tool
• 1-800-MEDICARE (1-800-633-4227), open 24/7