Medicare Advantage

Before Dec. 7: Virginia Beach Plan Exits for 2027

Virginia Beach city has 70 Medicare Advantage plans for 2027. Compared with 2026, 3 plans are not coming back, 6 are new, and 45 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 Virginia Beach, not which plan to pick.

Virginia Beach, Va. — As the Annual Enrollment Period runs from Oct. 15 through Dec. 7, 2026, a small number of Medicare Advantage members in Virginia Beach will get a letter their neighbors won't: a notice that their current plan is not coming back for 2027. According to the CMS Medicare Advantage Landscape files, three plans offered in Virginia Beach city this year are not on the 2027 list. If your plan is one of them, you have more time than most people to decide what's next — but the steps matter.

The Virginia Beach plans not returning for 2027

Virginia Beach is in Virginia Beach city, where Medicare plan availability is set at the county level. Comparing the CMS 2026 and 2027 Landscape files for this county, three Medicare Advantage plans offered for 2026 are not in the 2027 file:

• 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

For context, 70 Medicare Advantage plans from 6 carriers are set to be offered in Virginia Beach city for 2027. The table on this page lists the full lineup.

How to tell if your plan is on the list

If you're enrolled in one of the plans above, your insurer is required to send you a non-renewal notice — sometimes called a "plan termination letter" — by early October 2026. It will say, in plain language, that your plan will not be offered in 2027 and that your coverage ends on Dec. 31, 2026.

A few things to look for in your mail this fall:

• A letter titled something like "Important: Your plan is ending" or "Plan non-renewal notice."
• Your plan's Annual Notice of Change (ANOC), which every member gets by late September. If your plan is being discontinued, the non-renewal letter replaces the usual "here's what's changing" message.
• The exact plan name on your member ID card — match it to the list above.

If you did not get a letter and your plan name is not on the list, your plan is renewing for 2027 (though benefits, drug lists, and costs can still change — read the ANOC).

What happens if you do nothing

If your plan is on the non-renewal list and you take no action by Dec. 31, 2026, you will not be left without coverage — but you will not be automatically moved into a new Medicare Advantage plan either.

On Jan. 1, 2027, you will be returned to Original Medicare (Part A and Part B). That means:

• You'll have hospital and medical coverage through the federal program.
• You will not have Part D prescription drug coverage unless you sign up for a stand‑alone drug plan.
• You will not have the extra benefits your Medicare Advantage plan may have included.

For most people who had drug coverage through their Advantage plan, this is the biggest gap to close.

Your choices and your Special Enrollment Period

Because your plan is being discontinued, Medicare gives you a Special Enrollment Period (SEP) that runs from Dec. 8, 2026 through Feb. 28, 2027. During that window, you can:

• Join a different Medicare Advantage plan (with or without drug coverage) offered in Virginia Beach city for 2027.
• Return to Original Medicare and add a stand‑alone Part D prescription drug plan.
• If you move to Original Medicare, you may also have a guaranteed-issue right to buy certain Medigap (Medicare Supplement) policies without medical underwriting. Guaranteed-issue rights are set at the federal level, and Virginia has its own rules on top; the Virginia State Corporation Commission's Bureau of Insurance can confirm what's available to you.

You can also use the regular Annual Enrollment Period (Oct. 15 – Dec. 7, 2026) to make a change that takes effect Jan. 1, 2027. Using AEP keeps your coverage seamless with no gap.

A few 2027 figures worth knowing

Whichever direction you go, two Part D numbers are already set for 2027:

• The Part D out-of-pocket cap will be $2,400 in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible will be $700 in 2027 (up from $615 in 2026).

The 2027 Part B standard premium, Part B deductible, and IRMAA income brackets have not yet been announced. CMS typically publishes them in the fall, usually in November.

How to compare plans without guesswork

The only authoritative place to see 2027 premiums, drug lists, provider networks and star ratings is the Medicare Plan Finder at medicare.gov. You can enter your ZIP code and your prescriptions, and the tool will show every Medicare Advantage and Part D plan available in Virginia Beach city for 2027. You can also call 1‑800‑MEDICARE (1‑800‑633‑4227), 24 hours a day, 7 days a week.

Have your Medicare number, a list of your medications, and your preferred doctors or hospitals ready — those are the three things that usually decide which plan fits best.