Medicare Advantage

Medicare Plans Available in Davenport in 2027

How many Medicare plans are available in Davenport, Iowa for 2027 — plain-language Medicare information for local readers.

DAVENPORT, Iowa — If you're one of the roughly 30,000 residents age 65 or older in Scott County, the calendar matters just as much as the plan menu this fall. Davenport is in Scott County, where 38 Medicare Advantage plans were offered for 2026 through 10 carriers — a wide field to sort through before the clock runs out. The 2027 lineup is in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder. Missing a deadline can lock you into your current coverage for months, so knowing which window applies to you is the first step.

The window most Davenport readers are in right now

The Annual Enrollment Period (AEP) — October 15 through December 7 — is the once-a-year chance for almost everyone with Medicare to make changes. During AEP you can:

• Switch from Original Medicare to a Medicare Advantage plan, or the other way around.
• Change from one Medicare Advantage plan to another.
• Join, drop, or switch a Part D prescription drug plan.

Whatever you pick during AEP starts January 1, 2027. If December 7 passes and you did nothing, you'll generally stay in the same plan you had — with whatever premium, network, and drug list it carries into the new year. That's why it's important to read the Annual Notice of Change (ANOC) your current plan mailed you in September before the window closes.

A second chance in early 2027 — but only for some

The Medicare Advantage Open Enrollment Period (MA-OEP) runs January 1 through March 31, 2027. This one is narrower than AEP. It's only for people already enrolled in a Medicare Advantage plan on January 1. If that's you, you can:

• Switch to a different Medicare Advantage plan.
• Drop your Advantage plan and go back to Original Medicare (and add a Part D plan if you need drug coverage).

You cannot use MA-OEP to move from Original Medicare into an Advantage plan for the first time, and you can only use it once. If you're happy with your choice, you don't need to do anything.

Turning 65 in Davenport? Your Initial Enrollment Period is different

If you're new to Medicare, the calendar is built around your birthday, not the fall AEP. Your Initial Enrollment Period (IEP) is a seven-month window: the three months before your 65th birthday month, your birthday month, and the three months after.

Signing up during those first three months means coverage typically starts the first day of your birthday month. Waiting until later in the window can delay your start date. And skipping IEP entirely — without other creditable coverage from a job — can trigger Part B and Part D late enrollment penalties that stick with you for as long as you have Medicare.

What happens if you miss a deadline

Life gets busy. If a window closes before you act, here's the general picture:

• Missed AEP (Dec. 7): You'll usually keep your current plan through 2027 unless you qualify for a Special Enrollment Period.
• Missed IEP: You may have to wait for the General Enrollment Period (January 1 – March 31) to sign up for Part B, with coverage starting the month after you enroll, plus possible penalties.
• Missed MA-OEP (March 31): You'll wait until the next AEP in the fall to change Medicare Advantage plans, barring a special circumstance.

Special Enrollment Periods (SEPs) exist for life events like moving out of your plan's service area, losing employer coverage, or qualifying for Extra Help. If one of those applies, you may not have to wait for the next official window.

How the local plan count fits in

Because Scott County has 38 Medicare Advantage plans from 10 carriers, sorting through them takes time — and that's exactly why the AEP deadline matters. Starting in mid-October gives you room to compare drug lists, provider networks, and total out-of-pocket costs before December 7 rather than deciding under pressure. The Medicare Plan Finder at medicare.gov lets you filter plans by ZIP code and by the medicines you take.

A few Part D figures to know: the annual out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027, and the maximum Part D deductible is $615 in 2026 and $700 in 2027. The coverage gap ("donut hole") is gone — Part D has three phases. The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments if that helps your budget.

Where to get unbiased help in Scott County

You don't have to figure this out alone, and you don't have to rely on a sales call.

• Medicare.gov — compare plans available in your ZIP code using Plan Finder.
• 1-800-MEDICARE (1-800-633-4227) — 24/7 help from Medicare directly.
• Iowa SHIIP (Senior Health Insurance Information Program) — free, one-on-one counseling from trained volunteers who don't sell insurance. Call 1-800-351-4664.