Medicare Advantage

Blue Cross Blue Shield of Massachusetts Medicare Advantage in Massachusetts for 2027: 7 Pl

BOSTON — Massachusetts residents comparing coverage this fall have a clearer picture of what Blue Cross Blue Shield of Massachusetts is bringing to the Medicare Advantage market for 2027. According to the CMS Medicare Advantage Landscape Source Files for CY2027, the carrier is offering 7 Medicare Advantage plans statewide, part of a market that includes 12 carriers and 97 plans in total across the Commonwealth.

This explainer is published by an independent Medicare education site. It is privately owned, not affiliated with any insurance carrier, and not part of the federal government.

What is Blue Cross Blue Shield of Massachusetts offering statewide for 2027?

Blue Cross Blue Shield of Massachusetts is offering 7 Medicare Advantage plans in Massachusetts for 2027, according to the CMS Landscape Source File. The mix includes 2 HMO plans, 2 HMO-POS plans, and 3 PPO plans. All 7 plans include prescription drug coverage.

The carrier is not listing any Special Needs Plans in Massachusetts for 2027 — zero D-SNP (dual eligible), zero C-SNP (chronic condition), and zero I-SNP (institutional) plans. Readers who need a Special Needs Plan will find those from other carriers in the broader Massachusetts market, which includes 97 Medicare Advantage plans from 12 carriers overall. Specific premiums, deductibles, copays, benefits, provider networks, drug formularies, and star ratings are not covered here; those come directly from the Medicare Plan Finder at medicare.gov, from 1-800-MEDICARE, or from each plan's Evidence of Coverage.

Which Blue Cross Blue Shield of Massachusetts plans have the widest county reach in Massachusetts for 2027?

Two Blue Cross Blue Shield of Massachusetts plans tie for the widest county reach in Massachusetts for 2027, each offered in 11 counties: Medicare HMO Blue PlusRx (HMO) and Medicare PPO Blue PlusRx (PPO). Both include prescription drug coverage.

Several other plans are offered in 10 counties: Medicare HMO Blue FlexRx (HMO-POS), Medicare HMO Blue SaverRx (HMO-POS), Medicare HMO Blue ValueRx (HMO), and Medicare PPO Blue EssentialRx (PPO). Medicare PPO Blue ValueRx (PPO) is offered in 8 counties. The full plan-by-plan list, including plan type and county counts, is rendered as a table on this page. Because availability is county by county, a plan listed statewide may not appear in your county's Medicare Plan Finder results.

What is new or not returning from Blue Cross Blue Shield of Massachusetts for 2027 in Massachusetts?

For 2027 in Massachusetts, Blue Cross Blue Shield of Massachusetts is introducing 3 new Medicare Advantage plans and discontinuing 6 plans that were offered in 2026, according to the year-over-year CMS Landscape Source Files.

The 3 new plans for 2027 are Medicare HMO Blue FlexRx (HMO-POS), Medicare HMO Blue ValueRx (HMO), and Medicare PPO Blue ValueRx (PPO). If you are enrolled in a 2026 Blue Cross Blue Shield of Massachusetts plan that is not continuing into 2027, you should receive an Annual Notice of Change or a non-renewal notice from the carrier explaining your options. Reading that notice carefully — and comparing what is available in your county — is the practical next step before the December 7 deadline.

How do I check whether a Blue Cross Blue Shield of Massachusetts plan is offered in my Massachusetts county and covers my doctors and prescriptions for 2027?

The Medicare Plan Finder at medicare.gov is the direct way to confirm, for 2027, whether a specific Blue Cross Blue Shield of Massachusetts plan is offered in your Massachusetts county and whether it covers your doctors and prescriptions. Enter your ZIP code, add your prescriptions, and the tool filters to plans available where you live.

Three details are worth confirming before you enroll: that the plan is sold in your county (statewide availability does not guarantee local availability); that your primary care doctor, specialists, and preferred hospitals are in-network for the specific plan; and that each prescription you take appears on that plan's formulary at a tier you can live with. The plan's Evidence of Coverage and provider and pharmacy directories are the authoritative documents. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week.

What should Massachusetts residents do before December 7, 2026?

Before December 7, 2026, Massachusetts residents should review their current plan's Annual Notice of Change, compare it with other 2027 options available in their county on medicare.gov, and enroll in or switch plans if they choose to. A choice made during the Annual Enrollment Period, which runs October 15 through December 7, 2026, takes effect January 1, 2027.

If you keep your current plan and it is renewing, you do not need to do anything to stay enrolled. If your plan is one of the 6 Blue Cross Blue Shield of Massachusetts plans not returning for 2027, you will need to pick a new plan to maintain Medicare Advantage coverage without a gap. Separate enrollment windows exist later in the year for certain situations, but October 15 to December 7 is the main window for most people.

Where can Massachusetts residents get free help choosing a 2027 Medicare plan?

Massachusetts residents can get free, unbiased help choosing a 2027 Medicare plan from the official federal sources: medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048), which operates 24 hours a day, 7 days a week.

The Medicare Plan Finder on medicare.gov lets you compare all plans — from Blue Cross Blue Shield of Massachusetts and from the other 11 carriers active in Massachusetts for 2027 — side by side using your ZIP code, prescriptions, and preferred pharmacies. For questions about enrollment periods, eligibility, or how to switch plans, 1-800-MEDICARE is staffed to walk you through the process in your language.