Medicare Advantage

Redmond Medicare Advantage: Area Counts 2027

Redmond Medicare Advantage: Area Counts for 2027 — plain-language Medicare information for Redmond, Oregon.

REDMOND, Ore. — If you live in Redmond and you're sorting through your Medicare choices for 2027, it helps to know what's actually available where you live — and how that compares to neighboring parts of Central Oregon. Plan availability isn't set city by city. Medicare draws the lines at the county level, so the list of plans in Redmond is the same list you'll see anywhere else in Deschutes County.

Here's a plain-language look at what that means for Redmond-area shoppers this fall, and where to go for personalized answers.

Availability is a county-level number, not a city-level one

When Medicare talks about which plans you can join, it uses your county of residence. That's why a Redmond resident, a Sisters resident, and a Bend resident — all in Deschutes County — see the same Medicare Advantage lineup. If you drive across a county line for shopping or medical care, that doesn't change your plan options; your home address does.

For 2026, Deschutes County has:

• 6 Medicare Advantage plans available to residents.
• 1 carrier offering Medicare Advantage plans that include drug coverage (MA-PD).
• 0 stand-alone Part D drug plans listed at the county level in the current landscape data.
• 0 contracts in the area rated 4 stars or higher.

Star Ratings are CMS's 1-to-5 scoring system that measures things like customer service, care quality, and member complaints. They're a helpful reference point, but they aren't the whole story — two people in the same county can have very different needs.

What "nearby" looks like in Central Oregon

Redmond sits in the middle of a growing 65-plus population — about 43,870 people age 65 and older live in Deschutes County. Neighboring counties like Crook and Jefferson have their own separate plan lists, and those can look different from Deschutes County's. If you split time between homes, or you're helping a parent in another county, check each county separately on Medicare's Plan Finder.

The takeaway: "nearby" on a map doesn't always mean "same plans." County borders matter more than distance.

How to decide what fits

There's no single right answer for everyone. A few practical questions to ask yourself:

• Do my doctors and hospital take the plan? Networks vary. Always confirm directly with the provider's billing office.
• Are my prescriptions on the plan's formulary? Drug lists change every year, even on the plan you already have.
• Do I travel or spend part of the year elsewhere? That affects whether a network-based plan works for you.
• Do I qualify for Extra Help or a Medicare Savings Program? These can lower drug and premium costs for people with limited income.

If your current plan still fits, you don't have to do anything during Annual Enrollment. But it's worth reading your plan's Annual Notice of Change (ANOC), which arrives by late September, to see what's different for 2027.

Key rules worth knowing for 2027

A few program-wide facts apply no matter which county you're in:

• Part D out-of-pocket cap: $2,100 for 2026 and $2,400 for 2027.
• Part D maximum deductible: $615 for 2026 and $700 for 2027.
• The coverage gap ("donut hole") is gone as of 2025 — Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: an optional program that lets you spread drug costs across monthly payments instead of paying at the pharmacy counter.
• IRMAA surcharges (extra Part B and Part D premiums for higher earners) start above $109,000 in income for a single filer in 2026.

Important dates

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

Where to get unbiased help

• Medicare.gov — the official Plan Finder lets you enter your ZIP code and prescriptions to see what's available.
• 1-800-MEDICARE (1-800-633-4227) — 24/7 help from Medicare directly.
• Oregon SHIBA — Oregon's State Health Insurance Benefits Assistance program offers free, one-on-one counseling from trained volunteers. You can reach SHIBA at 1-800-722-4134.

These resources don't sell plans and don't work on commission. If you want a second opinion before Dec. 7, they're the best place to start.