Medicare Advantage
Six new Medicare Advantage plans land in Norfolk for 2027: how to check one before Dec. 7
Norfolk city has 68 Medicare Advantage plans for 2027. Compared with 2026, 3 plans are not coming back, 6 are new, and 44 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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Key takeaways
- Six of the 68 Medicare Advantage plans offered in Norfolk city for 2027 are new; the other plans are either renewing or renaming.
- Humana is adding four new plans and UnitedHealthcare is adding two; all six include Part D drug coverage.
- A brand-new plan does not yet have a CMS Star Rating, because ratings are based on past performance data the plan does not have.
- Before December 7, 2026, check any new plan against your doctors and prescriptions on medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Norfolk city (2026) | 65 | CMS |
| Medicare Advantage plans offered in Norfolk city (2027) | 68 | CMS |
| Plans not returning for 2027 / new for 2027 | 3 / 6 | CMS |
| Organizations offering Medicare Advantage in Norfolk city (2026) | 6 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Norfolk city | 50% | CMS |
| Residents age 65 and older, Norfolk city | 30,440 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
NORFOLK, Va. — Six Medicare Advantage plans that were not sold here in 2026 will be available to Norfolk residents for the 2027 plan year, according to the CMS Medicare Advantage Landscape Source File. Two carriers — Humana and UnitedHealthcare — are behind every one of them. If you are shopping during the Annual Enrollment Period, which runs October 15 through December 7, 2026, these are the plans with no local track record yet, and they deserve a careful look before you sign anything.
Which Medicare Advantage plans are new in Norfolk for 2027?
Six plans are new in Norfolk city for the 2027 plan year, out of 68 Medicare Advantage plans available locally. Norfolk is in Norfolk city, where plan availability is set at the county level by CMS. The six new plans, in alphabetical order by carrier, are:
- Humana DaVita Kidney Care (PPO C-SNP) — Humana; PPO Chronic Condition Special Needs Plan; with drug coverage
- Humana DaVita Kidney Care (PPO C-SNP) — Humana; PPO C-SNP; with drug coverage
- Humana Together in Health (PPO I-SNP) — Humana; PPO Institutional Special Needs Plan; with drug coverage
- HumanaChoice H7617-125 (PPO) — Humana; PPO; with drug coverage
- AARP Medicare Advantage Direct Plus from UHC VA-26 (HMO-POS) — UnitedHealthcare; HMO-POS; with drug coverage
- AARP Medicare Advantage Extras from UHC VA-30 (HMO-POS) — UnitedHealthcare; HMO-POS; with drug coverage
All six include prescription drug coverage. The table below lists every Medicare Advantage plan offered in the area.
What kinds of plans are the new ones, and are any Special Needs Plans?
Four of the six new plans are Special Needs Plans (SNPs), which only accept members who meet specific eligibility rules. The Humana DaVita Kidney Care plans are Chronic Condition SNPs (C-SNPs) designed for people living with a qualifying chronic condition — in this case, kidney disease. The Humana Together in Health plan is an Institutional SNP (I-SNP), which generally serves people who live in a nursing home or need a similar level of care.
The remaining two — HumanaChoice H7617-125 and the two AARP-branded UnitedHealthcare HMO-POS plans — are open to the general Medicare population. By plan type, the new slate is four PPOs and two HMO-POS plans. Every one of the six includes Part D drug coverage.
How does a new Medicare Advantage plan differ from a renewing one?
A new plan is one being offered for the first time in the service area, so it has no history with local members and no CMS Star Rating yet. The Star Ratings program scores plans on things like member experience, customer service and clinical quality using data from prior years; a brand-new contract or plan ID has not generated that data. CMS notes this plainly in the Plan Finder when it applies.
That is a program fact, not a reason to pick or skip a plan. A renewing plan, by contrast, carries over from 2026 with the changes spelled out in its Annual Notice of Change (ANOC) — the mailing you likely received by late September that explains what is different for 2027. If you do nothing, a renewing plan simply continues on January 1, 2027.
For context on how much is shifting locally: of the plans available in Norfolk city for 2027, 3 are not returning, 6 are new, and 16 have been renamed. A rename means a change exists on paper — the ANOC has the details.
How do I check a new plan against my doctors and prescriptions before December 7?
The fastest way is the Plan Finder at medicare.gov. You can enter your ZIP code, your prescription drug list and your preferred pharmacy, and the tool will show how each 2027 plan treats those drugs. To check whether your doctors are in network, use the plan's own provider directory — a link appears in Plan Finder, or you can call the plan directly — because network status for a 2027 plan is set by the carrier, not by Medicare.
A few steps worth doing before December 7, 2026:
1. Make a list of every prescription you take, with dose and quantity. 2. Make a list of the doctors, specialists and hospitals you want to keep. 3. Run that list through medicare.gov for any 2027 plan you are considering — new or renewing. 4. If a plan is a SNP, confirm you meet the eligibility rules before applying. 5. If you want to talk it through with a person, call 1-800-MEDICARE (available 24/7).
If you take no action, your current plan renews as described in its ANOC. Changes made during the Annual Enrollment Period take effect January 1, 2027.
What else is changing for 2027 that affects drug coverage?
Two Part D figures are already confirmed by CMS for 2027. The out-of-pocket cap on covered Part D drugs rises to $2,400 in 2027 (up from $2,100 in 2026). The maximum Part D deductible a plan may charge rises to $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input Medicare uses, not what any specific plan charges.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes those later in the fall. The Medicare Prescription Payment Plan — the option to spread your drug costs across the year in monthly bills — remains available in 2027.
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.
New for 2027
Medicare Advantage plans new in Norfolk city for 2027
CMS lists 6 Medicare Advantage plans in Norfolk city for 2027 that were not offered for 2026, alphabetically by carrier.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Humana 4 plans | |||
| Humana DaVita Kidney Care (PPO C-SNP) | PPO C-SNP | Yes | New |
| Humana DaVita Kidney Care (PPO C-SNP) | PPO C-SNP | Yes | New |
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | New |
| HumanaChoice H7617-125 (PPO) | PPO | Yes | New |
| UnitedHealthcare 2 plans | |||
| AARP Medicare Advantage Direct Plus from UHC VA-26 (HMO-POS) | HMO-POS | Yes | New |
| AARP Medicare Advantage Extras from UHC VA-30 (HMO-POS) | HMO-POS | 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
HMO, PPO and Special Needs Plans in Norfolk city for 2027
- Aetna (CVS Health) 6 plans: HMO, HMO-POS, PPO
- Elevance Health (Anthem) 10 plans: HMO, HMO-POS, PPO
- Humana 34 plans: HMO, HMO-POS, PFFS, PPO
- Lifeworks Advantage 2 plans: HMO, HMO-POS
- Sentara Medicare 2 plans: HMO
- UnitedHealthcare 14 plans: HMO-POS, PPO
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 Period (Open Enrollment)Anyone 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.
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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
Do I have to switch to one of the new plans?
Why don't the new plans have Star Ratings yet?
Can anyone sign up for the new Humana DaVita Kidney Care or Together in Health plans?
What is the deadline to change my Medicare Advantage plan for 2027?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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 Norfolk
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS Medicare Advantage Landscape Source File (plan year 2026 and plan year 2027): the counts of plans and carriers in Norfolk city, the list of new plans by carrier and plan type, and the number of plans not returning or renamed.
- Medicare.gov: Annual Enrollment Period dates, Plan Finder as the tool to check doctors and drugs, and Star Ratings methodology.
- CMS announcements on 2027 Part D parameters: the $2,400 out-of-pocket cap, $700 maximum deductible, and $41.33 national base beneficiary premium.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.