Medicare Part D

Davenport Medicare 2027: Scott County Options

DAVENPORT — If you're turning 65 soon, helping a parent sort through mail, or just trying to make sense of Medicare for next year, here's a plain-English look at what's available in your area for 2027.

Davenport, Iowa — Your 2027 Medicare picture, by the numbers

Davenport is in Scott County, where Medicare plan availability is set. That's important because Medicare uses your county — not your city — to decide which plans you can choose from. So the numbers below apply to everyone with a Scott County ZIP code, not just Davenport city limits.

How many plans are available in Scott County?

According to the 2026 Medicare Advantage and Part D Landscape data from the Centers for Medicare & Medicaid Services (CMS):

• 38 Medicare Advantage plans are available in Scott County for 2026.
• 10 carriers offered Medicare Advantage plans with prescription drug coverage (MA-PD) in the area for 2026.
• Iowa has 11 stand-alone Part D plans for 2026, sold statewide, and Scott County residents can choose from that same list. (Most residents who want drug coverage will find it built into a Medicare Advantage plan, or by shopping stand-alone Part D options through Medicare's Plan Finder.)
• 0 contracts in the area currently carry an overall Star Rating of 4 stars or higher.

For context, Scott County is home to roughly 30,617 people age 65 and over, so plan choice matters for a large share of neighbors here.

A quick note on Star Ratings: CMS scores Medicare Advantage and Part D contracts from 1 to 5 stars based on things like customer service, member complaints, and preventive care. Ratings are one useful data point — not a substitute for comparing a plan against your own doctors, medications, and budget.

Program-level facts that apply to everyone

These are national Medicare rules — they apply whether you live in Davenport, Bettendorf, or anywhere else:

• Part D out-of-pocket cap: $2,100 for 2026 and $2,400 for 2027. Once your out-of-pocket spending on covered drugs hits that amount, you pay nothing for covered prescriptions the rest of the year.
• Part D maximum deductible: $615 in 2026 and $700 in 2027 (plans can set a lower deductible, but not a higher one).
• No more "donut hole": As of 2025, the old coverage gap is gone. Part D now has three phases: deductible, initial coverage, and catastrophic.
• Medicare Prescription Payment Plan: An optional program that lets you spread your drug costs into monthly payments instead of paying all at once at the pharmacy counter.
• IRMAA: Higher-income surcharges on Part B and Part D premiums start above $109,000 in income for a single filer in 2026.

Key dates to circle

• Annual Enrollment Period (AEP): October 15 – December 7, 2026. This is the main window to join, switch, or drop Medicare Advantage or Part D plans for 2027.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to a different MA plan or return to Original Medicare.

Missing these windows usually means waiting a full year, so mark them now.

What "38 plans" really means for a Davenport shopper

Thirty-eight options in one county can feel like a lot. Here's a calmer way to think about it:

• Most people don't need to compare all 38. Once you filter by the doctors you want to keep, the medications you take, and whether you travel, the list gets much shorter.
• The Medicare Plan Finder at medicare.gov does this filtering for you if you enter your ZIP code and your prescriptions.
• Iowa SHIIP (State Health Insurance Information Program) offers free, unbiased one-on-one counseling — no sales pressure, no commissions.