Medicare Advantage

Wellcare's 2027 Medicare Advantage plans in Lexington: two gone, one renamed

LEXINGTON, Ky. — Wellcare's Medicare Advantage lineup in Fayette County is shifting for 2027, and the Annual Enrollment Period that runs October 15 through December 7, 2026 is when Lexington residents can look at those changes and decide what to do. According to the CMS Medicare Advantage Landscape files, Wellcare will offer seven Medicare Advantage plans in Fayette County next year — down from nine this year — with two plans not returning, no brand-new plans, and one plan renamed.

MyMedicarePlans.org is an independent consumer site; we are not Wellcare, not Medicare, and not any insurer. The plan names and counts below come from CMS. For costs, benefits, networks and drug lists, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or read the plan's own Evidence of Coverage.

How many Wellcare Medicare Advantage plans are offered in Lexington for 2027?

Wellcare will offer seven Medicare Advantage plans in Fayette County — the county Lexington sits in — for 2027. By plan type, that is five HMO-POS plans and two PPO plans. All seven include Part D prescription drug coverage.

For comparison, Wellcare offers nine plans in the county for 2026, so the carrier's local lineup is a bit smaller next year. Wellcare is one of nine carriers selling Medicare Advantage in Fayette County in 2027; across all carriers, there are 66 Medicare Advantage plans available locally.

The full table on this page lists every Wellcare plan by name and type. Plan availability is set at the county level by CMS, so a plan listed for Fayette County is what Lexington residents can enroll in.

What is new or not returning from Wellcare in Fayette County for 2027?

Two Wellcare plans offered in 2026 are not returning in 2027, no Wellcare plans are new for 2027, and one plan has been renamed. The renamed plan is Wellcare Dual Access (HMO-POS D-SNP), which was listed in 2026 as Wellcare Dual Access Sync (HMO-POS D-SNP).

If you are currently enrolled in a Wellcare plan that is not returning, Wellcare will send you a notice this fall explaining your options and the deadlines that apply to you. If your plan is continuing but something about it is changing — the drug list, the pharmacy network, cost sharing, or extra benefits — those changes appear in the plan's Annual Notice of Change (ANOC), which plans mail by late September.

Which Wellcare Special Needs Plans are available in Lexington for 2027?

Four of Wellcare's 2027 Fayette County plans are Dual-Eligible Special Needs Plans (D-SNPs), designed for people who have both Medicare and Medicaid. Wellcare is not offering Chronic-Condition SNPs (C-SNPs) or Institutional SNPs (I-SNPs) in the county for 2027.

The 2027 D-SNPs listed by CMS are Wellcare Dual Access (HMO-POS D-SNP), Wellcare Dual Access Sync Open (PPO D-SNP), Wellcare Dual Liberty Sync (HMO-POS D-SNP), and Wellcare Dual Reserve (HMO-POS D-SNP). D-SNPs have their own enrollment rules; eligibility depends on your Medicaid status in Kentucky.

How do I check a Wellcare plan against my doctors and prescriptions before December 7?

The reliable way to check any Wellcare plan against your own doctors, hospitals and prescriptions is to use the Medicare Plan Finder at medicare.gov or to call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. Do this before December 7, 2026 so a change can take effect January 1, 2027.

A quick checklist for Lexington residents:

• Make a list of your current prescriptions (name, dose, how often) and your doctors, specialists and preferred hospitals or pharmacies in the Lexington area.
• Enter your drugs and pharmacies in the Plan Finder; it will show how each plan covers them.
• Check the provider directory on the plan's own website, or call the plan, to confirm the doctors and hospitals you use are in network for 2027 — networks can change year to year.
• Read your ANOC if you are already in a Wellcare plan, so you see what is different about your plan next year.
• Confirm Part D — seven of Wellcare's seven 2027 Fayette County plans include drug coverage, but one PPO option available in 2026 did not; always confirm on the Plan Finder.

What 2027 Medicare figures should Lexington residents know?

Two Part D figures are already confirmed by CMS for 2027:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
• The Part D maximum deductible is $700 in 2027 ($615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33. That is a formula input CMS uses, not what any particular plan charges.

The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not been announced yet; CMS typically publishes those later in the fall. If your income is above $109,000 as a single filer (the 2026 threshold), IRMAA surcharges may apply; the 2027 thresholds will be released with the Part B figures.

The coverage gap — the old "donut hole" — was eliminated starting in 2025, so Part D now has three phases. If drug costs are hard to budget month to month, the Medicare Prescription Payment Plan lets you spread your out-of-pocket drug costs across the year at no added charge; you can opt in through your Part D or Medicare Advantage plan.

What happens if I do nothing by December 7?

If your current Wellcare plan is offered again in 2027, it renews automatically on January 1, 2027, with the changes described in your ANOC. If your plan is one of the two Wellcare plans not returning, you will not be auto-enrolled in a different Wellcare plan without action; you will have a Special Enrollment Period to pick something else, and if you take no action you can be left in Original Medicare without a Part D plan. That is why opening the ANOC and the non-renewal notice matters.

Remember too that Medicare Advantage Open Enrollment runs January 1 – March 31, 2027. During that window, people already in a Medicare Advantage plan can switch to a different Medicare Advantage plan once, or drop back to Original Medicare and add a stand-alone Part D plan.