Medicare Advantage

Shopping Medicare Advantage in Eugene for 2026? Here are the 9 carriers and how their plans break down

People in Eugene can choose from 31 Medicare Advantage plans for 2027, against 44 in 2026. 15 of this year's plans are gone, 7 are new to Lane County, and 16 that continue have changed something in their terms, 5 of them under a new name.

For the 2027 plan year, people with Medicare in Eugene have a shelf of Medicare Advantage options to sort through. Eugene sits in Lane County, and Medicare Advantage availability is set at the county level. According to the CMS Medicare Advantage Landscape Source File, 31 Medicare Advantage plans from 8 carriers are available to Lane County residents for 2027.

This guide walks through those carriers one by one, notes the plan types each one offers, and points out how many are Special Needs Plans (SNPs). The full plan-by-plan table appears below; this article is designed to help you read it, not replace it.

How to read the carrier list

Medicare Advantage plans come in a few flavors, and Eugene's lineup includes three of them:

• HMO plans generally ask you to use in-network doctors and get referrals.
• HMO-POS plans are HMOs with a "point of service" option that lets you go out of network for certain services.
• PPO plans usually let you see out-of-network providers, often at a higher cost share.

You'll also see SNP (Special Needs Plan) labels. Those are limited to people who qualify — for example, D-SNPs are for people with both Medicare and Medicaid, C-SNPs are for people with certain chronic conditions, and I-SNPs are for people who live in an institution such as a nursing home or need that level of care.

The full table below lists every plan, its type, and whether it includes drug coverage. In Lane County, all 44 plans include drug coverage.

The 9 carriers offering Medicare Advantage in Lane County

Here are the carriers with plans available to Eugene residents for 2027, in alphabetical order.

AgeRight Advantage — 3 plans, all HMO SNPs (2 I-SNPs and 1 C-SNP). These are focused on people who need institutional-level care or who have qualifying chronic conditions.

ATRIO Health Plans — 2 PPO plans (ATRIO Choice Rx and ATRIO Freedom).

Centene (WellCare) — 10 plans, a mix of HMO-POS and PPO, including 3 D-SNPs for people with both Medicare and Medicaid. Names in the roster include Wellcare Low Premium, Wellcare Simple Open, Wellcare PeaceHealth Simple and the Wellcare Dual Access and Dual Reserve SNPs.

Devoted Health — 4 HMO plans, including 1 C-SNP (DEVOTED C-SNP PLUS 009 OR) and three general HMO plans (Core, Giveback and Premium).

Kaiser Permanente — 1 HMO-POS plan, Kaiser Permanente Senior Advantage Value Lane.

PacificSource Medicare — 5 plans across HMO, HMO-POS and PPO, including PacificSource Medicare Essentials Rx 41, the Explorer PPO plans, Oregon Basic and Valley Select Rx.

Providence Medicare Advantage Plans — 4 plans, all HMO or HMO-POS (Extra + Rx, Focus Medical, Reverence and Timber + Rx).

Regence BlueCross BlueShield of Oregon — 5 plans across HMO and PPO, including Regence BlueAdvantage HMO, the MedAdvantage + Rx Classic/Enhanced/Primary PPOs and Regence Valiance.

UnitedHealthcare — 10 plans across HMO-POS and PPO, including 4 SNPs (a C-SNP, another C-SNP support plan, and two I-SNPs for institutional situations). The retail AARP-branded plans span both HMO-POS and PPO.

What the numbers say about drug coverage

Lane County has zero stand-alone Part D plans on the 2027 landscape for Medicare Advantage shoppers to pair with an Advantage plan. That's a big reason the Advantage plans in the county are offered with drug coverage built in — an "MA-PD."

For 2027, some Part D rules apply no matter which plan you pick:

• The Part D out-of-pocket cap is $2,100 for the year.
• The Part D maximum deductible is $615.
• The old coverage gap ("donut hole") has been eliminated as of 2025; Part D now has three phases.
• The Medicare Prescription Payment Plan is optional and lets you spread your drug costs across the calendar year in monthly amounts instead of paying big bills at the pharmacy counter.

These rules apply program-wide. What varies plan to plan — the drug formulary, tiers, network pharmacies and cost sharing — is not something we quote here; check the Medicare Plan Finder or the plan's own documents.

How to decide among the options

There is no single "right" plan, and this article does not rank or recommend any of them. But here is a sensible order of operations:

1. Start with your doctors and hospitals. Check each plan's network. If you're loyal to a particular clinic or system in Eugene, call and ask which Medicare Advantage contracts they accept for 2027. 2. Add your prescriptions. Enter your drugs into the Medicare Plan Finder at medicare.gov. It will show each plan's formulary and estimated yearly drug cost. 3. Think about how you use care. If you travel or want easier out-of-network access, PPOs may fit differently than HMOs. If you qualify for a SNP (dual-eligible, a chronic condition, or institutional care), those plans are built around that situation. 4. Look at the full cost picture. Premium is only one piece; deductibles, copays, out-of-pocket max and drug costs matter too. 5. Check star ratings for context. Medicare publishes Star Ratings each fall as a quality measure. In this area, no contract is currently rated 4 stars or higher on the CMS landscape file used here; treat ratings as one data point, not the whole picture.

Key dates for 2027 coverage

• Annual Enrollment Period: October 15 – December 7, 2026. This is when most people pick or change a Medicare Advantage or Part D plan for 2027.
• Medicare Advantage Open Enrollment Period: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to switch to another MA plan or return to Original Medicare (with a Part D plan).

Also keep in mind that IRMAA — the income-related surcharge on Part B and Part D premiums — kicks in above $109,000 in income for a single filer in 2026 (higher thresholds for joint filers).