Medicare Advantage
Blue Cross and Blue Shield's Albuquerque Medicare Advantage plans for 2027, plan by plan
Albuquerque, N.M. — If you have a Blue Cross and Blue Shield Medicare Advantage plan in the Albuquerque area, this fall's mail is worth opening. For 2027, the carrier is offering three Medicare Advantage plans in Bernalillo County — two of them brand new, one with a new name, and nine of its 2026 plans not coming back. The Annual Enrollment Period runs October 15 through December 7, 2026, and anything you change takes effect January 1, 2027.
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Key takeaways
- Blue Cross and Blue Shield is offering 3 Medicare Advantage plans in Bernalillo County for 2027: 2 are new, 1 is renamed, and 9 of its 2026 plans are not returning.
- All 3 plans include drug coverage, and 2 of them are Dual Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid.
- If you do nothing by December 7, 2026, your current plan renews for 2027 if it is still offered — read the Annual Notice of Change (ANOC) the plan mailed you to see what is different.
- Use medicare.gov or 1-800-MEDICARE to check whether your doctors and prescriptions are covered under any 2027 plan before you decide.
MyMedicarePlans.org is an independent news and education site. We are not Blue Cross and Blue Shield, and we are not Medicare. Blue Cross is one of seven carriers offering Medicare Advantage in the county for 2027; together, those carriers offer 36 plans.
What Blue Cross and Blue Shield is offering in Bernalillo County for 2027
Albuquerque is in Bernalillo County, where Medicare Advantage availability is set. For plan year 2027, Blue Cross and Blue Shield has three plans here. All three include Part D prescription drug coverage.
The table below lists every plan. In alphabetical order, they are:
- Blue Cross Medicare Advantage Basic (HMO-POS) — HMO, with drug coverage. Renamed from Blue Cross Medicare Advantage Basic (HMO).
- Blue Cross Medicare Advantage Dual Care (HMO-POS D-SNP) — HMO-POS D-SNP, with drug coverage. New for 2027.
- Blue Cross Medicare Advantage Dual Care Plus (HMO-POS D-SNP) — HMO-POS D-SNP, with drug coverage. New for 2027.
By plan type, that is one HMO and two HMO-POS plans. Two are Special Needs Plans, both D-SNPs for people with Medicare and Medicaid. There are no C-SNPs (chronic condition) or I-SNPs (institutional) in this lineup.
What is new, what is renamed, and what is not returning
Compared with 2026, this is a sizeable reshuffle:
- New for 2027: Blue Cross Medicare Advantage Dual Care (HMO-POS D-SNP) and Blue Cross Medicare Advantage Dual Care Plus (HMO-POS D-SNP).
- Renamed: Blue Cross Medicare Advantage Basic — the plan type changes from HMO to HMO-POS, and the name is updated to reflect that.
- Not returning: 9 Blue Cross plans that were offered in Bernalillo County in 2026 are not being offered for 2027.
If you are enrolled in a plan that is not returning, Blue Cross is required to send you a non-renewal notice. You then have a Special Enrollment Period to pick a new plan. If your plan is renewing, you will instead receive an Annual Notice of Change (ANOC) by late September — that document is the single best place to see what, specifically, is changing about your plan for 2027.
How to check a plan against your doctors and prescriptions
Before December 7, it is worth doing three checks for any plan you are considering:
1. Doctors and hospitals. Look up each provider in the plan's 2027 directory, or call the office and ask directly whether they will accept that specific plan next year. A PPO, HMO and HMO-POS each handle out-of-network care differently, so network rules matter. 2. Prescriptions. Enter every medication — exact name, dose and quantity — into the Medicare Plan Finder at medicare.gov/plan-compare. The tool shows the plan's formulary tier, any restrictions, and your estimated yearly drug cost under that plan. 3. The ANOC, cover to cover. If your current plan is renewing, read what is changing: premium, deductible, copays, drug tiers, and extra benefits can all shift from one year to the next.
For D-SNP eligibility, you must have both Medicare and full or partial Medicaid in New Mexico. The New Mexico Human Services Department confirms Medicaid status.
What the 2027 numbers mean for your drug costs
A few Part D figures are already confirmed for 2027:
- Out-of-pocket cap on covered drugs: $2,400 in 2027 (up from $2,100 in 2026).
- Maximum Part D deductible a plan can charge: $700 in 2027 (up from $615 in 2026).
- National base beneficiary premium: $41.33 for 2027. This is a formula input Medicare uses — it is not the premium any particular plan charges.
The coverage gap ("donut hole") is gone — Part D has three phases now. If drug costs are hard to manage month to month, every Part D plan must offer the Medicare Prescription Payment Plan, which spreads your out-of-pocket drug costs across the plan year.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced. CMS typically publishes them in the fall, usually November.
If you do nothing
Nothing happens to a person who does nothing: your current plan renews for 2027 if it is still offered, with the changes described in the ANOC. If your plan is one of the nine Blue Cross plans not returning, you will need to choose a different plan — either another Blue Cross plan, a plan from one of the six other Medicare Advantage carriers in the county, or Original Medicare with a stand-alone Part D plan.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Bernalillo County
(MA penetration in Bernalillo County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Blue Cross and Blue Shield Medicare Advantage plans in Bernalillo County for 2027
CMS lists 3 Blue Cross and Blue Shield Medicare Advantage plans in Bernalillo County for 2027, alphabetically by carrier. 6 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Blue Cross Blue Shield (HCSC) 3 plans | |||
| Blue Cross Medicare Advantage Basic (HMO-POS) | HMO | Yes | Renamed |
| Blue Cross Medicare Advantage Dual Care (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| Blue Cross Medicare Advantage Dual Care Plus (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Blue Cross and Blue Shield Medicare Advantage plans in Bernalillo County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
How many Medicare Advantage plans does Blue Cross and Blue Shield offer in Albuquerque for 2027?
What happens if my current Blue Cross plan is not returning in 2027?
When is the deadline to change plans for 2027?
How do I know if my doctors and prescriptions are covered?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Albuquerque
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This page was last updated: October 2026.