Medicare Advantage

Chesapeake's 2027 Medicare Advantage roster: 6 carriers, 54 plans, one table

People in Chesapeake can choose from 70 Medicare Advantage plans for 2027, against 67 this year. Three of this year’s plans are gone, 6 are new to Chesapeake city, and 45 that continue have changed their premium, deductible, plan type or name, 16 of them under a new name.

Medicare AdvantageChesapeake, VA

For plan year 2027, people on Medicare in Chesapeake, Virginia have a long menu to sort through. According to the CMS Medicare Advantage Landscape Source File, 54 Medicare Advantage plans are available in Chesapeake city, offered by six carriers. Every one of those plans includes prescription drug coverage. The table below lists every plan by carrier, with its plan type and whether it includes drug coverage — this article walks you through how to read it.

How the Chesapeake lineup breaks down

Chesapeake is an independent city in Virginia, and Medicare plan availability is set at the county (or independent city) level. So when we say "the Chesapeake lineup," we mean the plans CMS lists as available to residents of Chesapeake city.

Here is the shape of the 2027 roster:

• 67 Medicare Advantage plans total
• 6 carriers
• Plan types: 19 HMO, 19 HMO-POS, 27 PPO, 2 PFFS
• 27 are Special Needs Plans (SNPs)
• 67 of 67 include Part D drug coverage

CMS also lists 0 stand-alone Part D drug plans specifically tied to this roster snapshot, because on Medicare Advantage most drug coverage is built into the MA plan itself.

The six carriers offering plans in Chesapeake

The six carriers with Medicare Advantage plans available in Chesapeake city for 2027, in alphabetical order, are:

• Aetna (CVS Health) — 6 plans (HMO, HMO-POS, PPO; 1 Special Needs)
• Elevance Health (Anthem) — 13 plans (HMO, HMO-POS, PPO; 7 Special Needs)
• Humana — 30 plans (HMO, HMO-POS, PFFS, PPO; 7 Special Needs)
• Lifeworks Advantage — 2 plans (HMO, HMO-POS; 2 Special Needs)
• Sentara Medicare — 2 plans (HMO; 2 Special Needs)
• UnitedHealthcare — 14 plans (HMO-POS, PPO; 8 Special Needs)

You'll see these carriers reflected in the full table below, with each plan's exact name, type and drug coverage note.

What the plan types mean

Most of the roster falls into four buckets. Knowing the letters helps you compare apples to apples:

• HMO (Health Maintenance Organization): You typically use in-network providers and pick a primary care doctor. Referrals may be needed for specialists.
• HMO-POS (Point of Service): An HMO with a limited "point of service" option to see some out-of-network providers, usually at higher cost.
• PPO (Preferred Provider Organization): More flexibility to see out-of-network providers, usually at higher cost-sharing. Some are local; some, like a Regional PPO, cover a wider service area.
• PFFS (Private Fee-for-Service): The plan sets the payment terms, and providers choose whether to accept them.

The roster also uses shorthand you may see next to a plan name:

• D-SNP — Dual-eligible Special Needs Plan, for people who have both Medicare and Medicaid.
• C-SNP — Chronic Condition Special Needs Plan, for people with certain conditions (for example, diabetes or heart conditions).
• I-SNP — Institutional Special Needs Plan, generally for people who live in a nursing home or need that level of care.

Special Needs Plans have eligibility rules. If a plan name has "D-SNP," "C-SNP" or "I-SNP" in it, you can only enroll if you meet those requirements.

Drug coverage and the 2027 Part D rules

Every Medicare Advantage plan in the Chesapeake city roster includes drug coverage (often called an "MA-PD" plan). A few program-level rules for 2027 apply no matter which plan you pick:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once you hit it, you pay $0 for covered Part D drugs the rest of the year.
• The maximum Part D deductible any plan can charge is $615 in 2026 ($700 in 2027).
• The old coverage gap ("donut hole") was eliminated in 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your out-of-pocket drug costs across the calendar year in monthly bills, instead of paying at the pharmacy counter.
• Higher-income enrollees may owe IRMAA surcharges; for 2026 those begin above $109,000 for a single filer.

These figures come from Medicare's program-wide rules, not from any specific plan on the list.

How to use the table

The table on this page lists every one of the 67 plans by carrier, in alphabetical order, with plan type and a note that drug coverage is included. To narrow it down:

1. Decide whether you want an HMO, HMO-POS, PPO or PFFS. 2. If you have both Medicare and Medicaid, look at D-SNP options. If you have a qualifying chronic condition, look at C-SNP options. 3. Check each plan's own documents (or Medicare Plan Finder at medicare.gov) for premium, deductible, copays, drug formulary, provider network and Star Rating. 4. Confirm your doctors, hospitals and prescriptions are covered before you enroll.

Star Ratings are CMS's 1-to-5 quality scores for Medicare Advantage and Part D contracts. They can help you compare, but they are one input among many.

Key dates to remember

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you can switch to another MA plan or return to Original Medicare (and add a Part D plan).

Outside those windows, Special Enrollment Periods may apply — for example, if you move or lose other coverage.