Medicare Advantage

11 Medicare Advantage Plans Not Returning in West Virginia for 2027: The List

CHARLESTON, W.Va. — When the Centers for Medicare & Medicaid Services published its CY2027 Medicare Advantage Landscape Source File alongside the CY2026 file, a side-by-side comparison showed that 11 Medicare Advantage plans currently offered somewhere in West Virginia will not be in the 2027 file for any county in the state. For 2027, West Virginia will have 70 Medicare Advantage plans available across the state from 9 carriers. The 11 plans that are not coming back are listed by name, carrier, plan type, and the number of counties each one serves this year further down in this story.

How many Medicare Advantage plans are not returning in West Virginia for 2027, and which carriers do they come from?

Eleven Medicare Advantage plans currently offered somewhere in West Virginia are not in the CMS 2027 Landscape file for any county in the state. The non-returning plans come from three carriers: Highmark Blue Cross Blue Shield, Humana, and The Health Plan.

The full list, in alphabetical order by carrier, appears in the table on this page. From Highmark Blue Cross Blue Shield, the non-returning plans are Complete Blue PPO Distinct (PPO), Complete Blue PPO Merit (PPO), and Complete Blue PPO Signature (PPO). From Humana, the non-returning plans are Humana Together in Health (PPO I-SNP), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback with Rx (PPO), and HumanaChoice H5216-395 (PPO). From The Health Plan, the non-returning plans are The Health Plan SecureCare Capitol Plan (HMO), The Health Plan SecureCare Integrity Plan 2 (HMO), and The Health Plan SecureChoice - Option II (PPO). Because a plan is sold county by county, a plan on this list may not have been available in your specific county.

Which non-returning West Virginia plans served the most counties this year?

Among the 11 non-returning plans, several were offered in 55 of West Virginia's counties this year: Humana Together in Health (PPO I-SNP), the Humana USAA Honor Giveback (PPO) and Humana USAA Honor Giveback with Rx (PPO) plans, and The Health Plan SecureChoice - Option II (PPO). Complete Blue PPO Merit (PPO) from Highmark was offered in 41 counties.

The remaining plans on the list covered smaller footprints — ranging from 6 counties for The Health Plan's two SecureCare HMO plans to 14 or 15 counties for HumanaChoice H5216-395 (PPO) and the two other Complete Blue PPO plans. The county counts reflect where each plan was offered for 2026 and come straight from the CMS Landscape files.

How can a West Virginia member tell if their Medicare Advantage plan is leaving in 2027?

There are two reliable signs. First, the carrier is required to send an Annual Notice of Non-Renewal by late September 2026; it will say the plan will not be offered in 2027. Second, the plan's exact name will appear on the list of 11 above.

If you cannot find your letter, the plan name on your member ID card can be matched against the table on this page. You can also call 1-800-MEDICARE or check the Medicare Plan Finder at medicare.gov using your ZIP code to see whether your current plan is listed for 2027.

What happens to a West Virginia enrollee who does nothing by December 7, 2026?

Anyone whose plan is on the non-returning list and who does not choose a new plan by December 7, 2026 will be moved to Original Medicare (Parts A and B) on January 1, 2027. There is no automatic enrollment into a new Medicare Advantage plan or into a Part D drug plan.

That means prescription drug coverage will not continue unless the person actively enrolls in a stand-alone Part D plan or in a new Medicare Advantage plan that includes drug coverage. Going without creditable drug coverage can also create a late enrollment penalty later on.

Is there a Special Enrollment Period and a Medigap right when a Medicare Advantage plan is non-renewed?

Yes. At the federal program level, when a Medicare Advantage plan is non-renewed, members get a Special Enrollment Period that runs from December 8, 2026 through the end of February 2027 to join another Medicare Advantage plan or a stand-alone Part D plan.

There is also a Medigap guaranteed-issue right at the federal level for people losing Medicare Advantage coverage this way, which lets them buy certain Medigap policies without medical underwriting within a set window. State-specific Medigap rules — including any additional West Virginia protections — should be confirmed with the West Virginia Offices of the Insurance Commissioner.

How do I check my own West Virginia county's 2027 Medicare Advantage lineup?

The simplest way is to enter your ZIP code into the Medicare Plan Finder at medicare.gov, which pulls directly from the CMS 2027 Landscape file and shows every Medicare Advantage and Part D plan available in your county for 2027. You can also call 1-800-MEDICARE, which is staffed 24 hours a day.

Statewide, West Virginia will have 70 Medicare Advantage plans from 9 carriers for 2027, but the number offered in any single county is smaller. Comparing plans by your own prescriptions, doctors, and pharmacies — using the Plan Finder or each plan's Evidence of Coverage — is the only way to see what fits.

What should West Virginia enrollees do before December 7, 2026?

Before December 7, 2026, anyone whose plan is on the non-returning list should pick a 2027 plan — either a different Medicare Advantage plan, Original Medicare with a stand-alone Part D plan, or Original Medicare with a Medigap policy and a Part D plan. The choice made during Annual Enrollment 2027 takes effect January 1, 2027.

Gather the current list of medications with doses, the preferred pharmacies, and the doctors and hospitals you want to keep in network. Then compare 2027 plans on the Medicare Plan Finder or by calling 1-800-MEDICARE.

Where can West Virginia residents get free help?

Free, unbiased help is available directly from Medicare. The Medicare Plan Finder at medicare.gov lets you compare every 2027 plan available in your county, and 1-800-MEDICARE (1-800-633-4227) is open 24 hours a day, seven days a week.

For questions specific to West Virginia Medigap rules, the West Virginia Offices of the Insurance Commissioner can confirm state protections. For Social Security questions tied to Medicare premiums, the Social Security Administration can be reached at ssa.gov or 1-800-772-1213.