Medicare Advantage
Norfolk Medicare Advantage changes for 2027: 3 plans leaving, 6 new, 16 renamed
Norfolk city has 52 Medicare Advantage plans for 2027. Compared with 2026, 3 plans are not coming back, 6 are new, and 28 continuing plans changed in some way you should check before December 7, 16 of them under a new name. This guide covers what those numbers mean for Norfolk, not which plan to pick.
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NORFOLK, Va. — If you have a Medicare Advantage plan in Norfolk, this fall's mail is worth opening carefully. Comparing the 2026 and 2027 CMS Medicare Advantage Landscape files for Norfolk city shows three plans will not return next year, six new plans are entering the market, and 16 continuing plans are keeping their coverage but changing their names. That is a lot of small shifts happening at once, and the Annual Enrollment Period — October 15 through December 7 — is when you can act on them.
Key takeaways
- Three Medicare Advantage plans sold in Norfolk in 2026 will not be offered in 2027, and members of those plans get a Special Enrollment Period that runs through the end of February.
- Six new Medicare Advantage plans are entering Norfolk for 2027, and 16 continuing plans are being renamed.
- The Annual Enrollment Period runs October 15 through December 7; the Medicare Advantage Open Enrollment Period runs January 1 through March 31.
- Your Annual Notice of Change (ANOC) is the document that spells out exactly what is changing in your plan for 2027.
What's changing in Norfolk for 2027
Norfolk sits inside Norfolk city, and Medicare Advantage availability is set at the county (or independent city) level. In Norfolk city, the CMS Landscape files show:
- 3 plans leaving after 2026
- 6 new plans entering for 2027
- 16 plans renamed (same coverage, new name on the card)
- 28 continuing plans with a change to premium, deductible, plan type or name — the ANOC has the specifics
- 46 continuing plans with no CMS-level change
The full plan-by-plan table for Norfolk appears below this article.
The three plans not returning in 2027
If you are enrolled in one of these plans, your carrier is required to send you a non-renewal notice. The plans leaving Norfolk after 2026 are:
- Anthem Full Dual Advantage 2 (HMO D-SNP) — Elevance Health (Anthem)
- AARP Medicare Advantage Access from UHC VA-20 (PPO) — UnitedHealthcare
- UHC Dual Complete VA-Y3 (HMO-POS D-SNP) — UnitedHealthcare
If your plan is on this list, you have two enrollment windows to use. You can pick a new plan during the Annual Enrollment Period (Oct. 15 – Dec. 7), or you can use the Special Enrollment Period tied to a plan non-renewal, which runs through the end of February. If you do nothing, you generally return to Original Medicare on January 1, without a stand-alone drug plan unless you sign up for one.
The six new plans for 2027
Six Medicare Advantage plans are entering Norfolk for the coming plan year:
- Humana DaVita Kidney Care (PPO C-SNP) — Humana (listed twice in the CMS file)
- Humana Together in Health (PPO I-SNP) — Humana
- HumanaChoice H7617-125 (PPO) — Humana
- AARP Medicare Advantage Direct Plus from UHC VA-26 (HMO-POS) — UnitedHealthcare
- AARP Medicare Advantage Extras from UHC VA-30 (HMO-POS) — UnitedHealthcare
Some of these are Special Needs Plans (SNPs), which have enrollment rules — for example, a C-SNP is for people with certain chronic conditions and an I-SNP is for people who live in an institution such as a nursing home. Only enroll in a SNP if you qualify.
Renamed plans: same coverage, new name
Sixteen plans are keeping their coverage but showing up under a new name in 2027. That is worth knowing because a renamed plan can feel like a "new" plan when your ID card arrives. Renames in Norfolk include entries across Aetna (CVS Health), Elevance Health (Anthem), Humana and UnitedHealthcare — for example, Aetna Medicare Enhanced (PPO) was Aetna Medicare Enhanced Plus (PPO), and UHC Dual Complete VA-YL (HMO-POS D-SNP) was UHC Dual Complete VA-Y001 (HMO-POS D-SNP). The full before-and-after list is in the table below.
A renaming alone does not change what a plan covers, but a rename often comes packaged with other changes. That is why your ANOC is the document that matters.
What a member should actually do
1. Open your ANOC. It arrives by the end of September and lists every change to your plan for 2027 — premium, deductible, copays, drug list, network, extra benefits and the new plan name if any. 2. Check your doctors and drugs on the 2027 plan. Networks and formularies can change even when the plan name does not. 3. Compare on medicare.gov. The Plan Finder shows every Norfolk-area plan side by side and personalizes estimates using your prescriptions. 4. If your plan is leaving, decide by February. You can use the Annual Enrollment Period through Dec. 7 or the non-renewal Special Enrollment Period through the end of February. 5. If you keep Medicare Advantage, remember MA Open Enrollment. From Jan. 1 to March 31 you get one chance to switch to another MA plan or return to Original Medicare.
A few program facts worth carrying into the decision
These are set by Medicare, not by any single plan:
- Part D has a $2,100 out-of-pocket cap in 2026.
- The Part D maximum deductible is $615 in 2026 ($700 in 2027).
- The old coverage gap ("donut hole") is gone; Part D now has three phases.
- The Medicare Prescription Payment Plan lets you spread drug costs across the year in level monthly payments, at no extra charge.
- IRMAA income surcharges begin above $109,000 for a single filer in 2026.
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 Norfolk city
(MA penetration in Norfolk city)
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.
What changes next year
Medicare Advantage plans leaving or changing in Norfolk city for 2027
Norfolk is in Norfolk city. Comparing CMS’s 2026 and 2027 Landscape files for the county:
Plans not offered in Norfolk city for 2027
| Plan | Carrier | Type |
|---|---|---|
| Anthem Full Dual Advantage 2 (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP |
| AARP Medicare Advantage Access from UHC VA-20 (PPO) | UnitedHealthcare | PPO |
| UHC Dual Complete VA-Y3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP |
Plans new to Norfolk city for 2027
| Plan | Carrier | Type |
|---|---|---|
| Humana DaVita Kidney Care (PPO C-SNP) | Humana | PPO C-SNP |
| Humana DaVita Kidney Care (PPO C-SNP) | Humana | PPO C-SNP |
| Humana Together in Health (PPO I-SNP) | Humana | PPO I-SNP |
| HumanaChoice H7617-125 (PPO) | Humana | PPO |
| AARP Medicare Advantage Direct Plus from UHC VA-26 (HMO-POS) | UnitedHealthcare | HMO-POS |
| AARP Medicare Advantage Extras from UHC VA-30 (HMO-POS) | UnitedHealthcare | HMO-POS |
Plans continuing under a new name
| Plan | Carrier | Type |
|---|---|---|
| Aetna Medicare Enhanced (PPO) (was Aetna Medicare Enhanced Plus (PPO)) | Aetna (CVS Health) | PPO |
| Aetna Medicare Signature Plus (HMO-POS) (was Aetna Medicare Signature Care (HMO-POS)) | Aetna (CVS Health) | HMO-POS |
| Anthem Dual Advantage Plus (HMO D-SNP) (was Anthem Dual Advantage (HMO D-SNP)) | Elevance Health (Anthem) | HMO D-SNP |
| Anthem Dual Advantage Plus (PPO D-SNP) (was Anthem Dual Advantage (PPO D-SNP)) | Elevance Health (Anthem) | PPO D-SNP |
| Humana Dual QMB Only (HMO-POS D-SNP) (was Humana Gold Plus SNP-DE H2875-002 (HMO-POS D-SNP)) | Humana | HMO-POS D-SNP |
| Humana Essentials Plus Giveback (PPO) (was Humana Essentials Plus Giveback H5216-308 (PPO)) | Humana | PPO |
| Humana Essentials Plus Giveback (PPO) (was Humana Essentials Plus Giveback H7617-100 (PPO)) | Humana | PPO |
| Humana Full Access (Regional PPO) (was Humana Full Access R0110-005 (Regional PPO)) | Humana | PPO |
| Humana Total Complete (HMO) (was Humana Gold Plus H1036-333 (HMO)) | Humana | HMO |
| Humana Total Complete (HMO) (was Humana Gold Plus H6622-083 (HMO)) | Humana | HMO |
| Humana Total Complete (HMO) (was Humana Total Complete H6622-091 (HMO)) | Humana | HMO |
| Humana Value Choice (PPO) (was Humana Value Choice H5216-266 (PPO)) | Humana | PPO |
| Humana Value Choice (PPO) (was Humana Value Choice H7617-098 (PPO)) | Humana | PPO |
| AARP Medicare Advantage Essentials from UHC VA-8 (HMO-POS) (was AARP Medicare Advantage from UHC VA-0008 (HMO-POS)) | UnitedHealthcare | HMO-POS |
| UHC Dual Advantage VA-V1 (HMO-POS D-SNP) (was UHC Dual Complete VA-V001 (HMO-POS D-SNP)) | UnitedHealthcare | HMO-POS D-SNP |
| UHC Dual Complete VA-YL (HMO-POS D-SNP) (was UHC Dual Complete VA-Y001 (HMO-POS D-SNP)) | UnitedHealthcare | HMO-POS D-SNP |
“Changing” means the plan’s 2027 record differs from 2026 on premium, drug deductible, plan type or name; the details are in the Annual Notice of Change your plan mails by September 30. If your plan is not offered for 2027, you can choose another during the Annual Enrollment Period (October 15 to December 7) and you also get a Special Enrollment Period that runs through the end of February. Source: CMS MA Landscape Source Files. No plan is ranked or recommended.
The choices, by type
How the Medicare Advantage choices in Norfolk break down for 2027
Carriers offering plans in Norfolk city, alphabetically, with the number of plans each offers:
- Aetna (CVS Health) 6 plans
- Elevance Health (Anthem) 11 plans
- Humana 30 plans
- Lifeworks Advantage 2 plans
- Sentara Medicare 2 plans
- UnitedHealthcare 14 plans
HMO plans use a network and usually a primary-care doctor; HMO-POS plans add some out-of-network coverage; PPO plans 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 who are dual-eligible (D-SNP), have certain conditions (C-SNP) or live in an institution (I-SNP). Source: CMS Landscape Source File. No plan is ranked or recommended here.
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Frequently asked questions
What happens if I do nothing and my Medicare Advantage plan is leaving Norfolk?
Is a "renamed" plan a different plan?
Do I have to switch during the Annual Enrollment Period?
Where can I get unbiased help in Norfolk?
- 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, 1-800-MEDICARE, or your local SHIP.
Also for Norfolk
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This page was last updated: October 1, 2026.