Medicare Advantage

Shopping Medicare Advantage in Spokane for 2027? Here is every plan, by carrier

People in Spokane can choose from 47 Medicare Advantage plans for 2027, against 59 this year. 21 of this year’s plans are gone, 9 are new to Spokane County, and 28 that continue have changed their premium, deductible, plan type or name, 10 of them under a new name.

Medicare AdvantageSpokane, WA

If you live in Spokane and you are shopping a Medicare Advantage plan for 2027, the choices have shifted from last year. Spokane sits in Spokane County, where the Centers for Medicare & Medicaid Services (CMS) lists 37 Medicare Advantage plans from 11 different carriers for the 2027 plan year. Every one of those plans includes Part D prescription drug coverage.

This article walks through who is selling what, how the plan types differ, and how to narrow the field without getting overwhelmed. The full roster is rendered as a table on this page — the table below lists every plan by carrier, with plan type and drug coverage — so you can scan it and come back here for context.

How the Spokane County lineup breaks down

Availability for Medicare Advantage is set at the county level, so anyone with a Spokane mailing address in Spokane County sees the same 59-plan menu. Here is the shape of it:

• By plan type: 23 HMO plans, 14 HMO-POS plans, and 22 PPO plans.
• By drug coverage: all 59 plans include Part D.
• By special enrollment category: 27 of the 59 are Special Needs Plans (SNPs), designed for people who qualify based on a specific condition, institutional status, or dual eligibility with Medicaid.

Stand-alone Part D drug plans are a separate product from Medicare Advantage. If you choose a Medicare Advantage plan in Spokane County, drug coverage is built in.

The 11 carriers offering plans in Spokane County

In alphabetical order, these are the carriers CMS lists as offering Medicare Advantage in Spokane County for 2027, and how many plans each one has on the shelf:

• Aetna (CVS Health): 4 plans (HMO, PPO)
• Blue Cross Blue Shield (HCSC): 1 plan (HMO)
• Centene (WellCare): 8 plans (HMO-POS, PPO; 5 Special Needs)
• Community Health Plan of WA Medicare Advantage: 2 plans (HMO; 2 Special Needs)
• Elevance Health (Anthem): 2 plans (HMO; 2 Special Needs)
• Humana: 18 plans (HMO, PPO; 7 Special Needs)
• Kaiser Permanente: 3 plans (HMO)
• Molina Healthcare of Washington, Inc.: 2 plans (HMO; 2 Special Needs)
• Providence Medicare Advantage Plans: 2 plans (HMO, HMO-POS)
• SCAN Health Plan: 2 plans (HMO)
• UnitedHealthcare: 15 plans (HMO-POS, PPO; 9 Special Needs)

Compared with 2026, 21 plans are not returning, 9 are new, 10 have been renamed, and 18 continuing plans change something in their terms — details are in each plan's Annual Notice of Change. Providence Medicare Advantage Plans is not offering plans in the county for 2027, and MultiCare Health Plan Medicare Advantage Evergreen Plans is new to the county. Bigger isn't automatically better — it just means more choices to compare.

What HMO, HMO-POS and PPO actually mean

Spokane County's 59 plans come in three network shapes. Understanding them is the fastest way to shrink your list.

• HMO (Health Maintenance Organization). You pick a primary care doctor and generally stay inside the plan's network, except for emergencies. Referrals may be required to see specialists.
• HMO-POS (Point of Service). Like an HMO, but with a limited "point of service" option to see some out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization). You can see providers outside the network, though staying in-network costs less. Referrals are usually not required.

Plans in Spokane County that use these three structures include, for example, HMOs like Providence Medicare Pine + Rx (HMO) and Kaiser Permanente Medicare Advantage Basic (HMO); HMO-POS plans like Wellcare Giveback (HMO-POS) and AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS); and PPOs like Aetna Medicare Eagle (PPO) and HumanaChoice H5216-048 (PPO). Check the table below for the full list.

Special Needs Plans: 27 of the 59

Almost half of Spokane County's Medicare Advantage plans are Special Needs Plans. There are three flavors:

• D-SNP (Dual Eligible) — for people who have both Medicare and Medicaid. Examples on the county roster include Wellcare Dual Access (HMO-POS D-SNP), Community Health Plan of WA Dual Complete (HMO D-SNP), Wellpoint Dual Advantage (HMO D-SNP), Molina Medicare Complete Care (HMO D-SNP), and UHC Dual Complete WA-Q1 (PPO D-SNP), among others.
• C-SNP (Chronic Condition) — for people with a qualifying chronic condition. Humana Gold Plus - Diabetes and Heart (HMO C-SNP) and UHC Complete Care WA-13 (HMO-POS C-SNP) are on the Spokane County list.
• I-SNP (Institutional) — for people who live in, or need the level of care provided in, a long-term care facility. Humana Together in Health (PPO I-SNP), UHC Care Advantage WA-E001 (PPO I-SNP) and UHC Nursing Home Plan WA-F001 (PPO I-SNP) fall in this group.

You can only enroll in an SNP if you meet its eligibility rules. If you don't, the general (non-SNP) plans in the same carrier's lineup are what apply to you.

2027 rules that apply no matter which plan you pick

Some Medicare figures don't depend on which plan is on your card. For 2027:

• The Part D out-of-pocket cap is $2,100 in 2026 ($2,400 in 2027). Once you hit that in covered drug costs, your Part D plan pays 100% for the rest of the calendar year.
• The maximum Part D deductible is $615 in 2026 ($700 in 2027). Some plans set it lower.
• The old coverage gap ("donut hole") is gone as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your drug costs into predictable monthly bills through your Part D or MA-PD plan, at no extra charge.
• IRMAA surcharges (income-related extra premiums for Parts B and D) begin above $109,000 in income for a single filer in 2026.

How to use the table

The list in the table is county-level availability from the CMS Medicare Advantage Landscape file for 2027. It tells you which plans exist in Spokane County and what type they are — nothing more. To compare premiums, deductibles, copays, provider networks, drug formularies and star ratings, you'll want to:

1. Visit medicare.gov/plan-compare, enter your ZIP code, and add your prescriptions and preferred pharmacies. 2. Look at each plan's Summary of Benefits and Evidence of Coverage, linked from Plan Finder. 3. Check whether your doctors and hospitals are in-network by calling the plan or checking its provider directory. 4. Call 1-800-MEDICARE or your Washington SHIBA counselor (Statewide Health Insurance Benefits Advisors, Washington's SHIP program) for free, unbiased help.

Dates to keep in mind

• October 15 – December 7: Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan; coverage starts January 1.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in an MA plan, you can switch to another MA plan or return to Original Medicare (with or without a Part D plan). One change allowed.

Frequently asked questions