Medicare Part D
Waldorf Medicare 2027: Charles County Options
If you live in Waldorf and Medicare is on your to-do list this fall, take a breath. You have time, you have options, and once you understand how the pieces fit together, the decision gets a lot less overwhelming.
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Will your prescriptions still be covered in 2027?
Part D plans rewrite their drug lists every year — tiers move, pharmacies change, drugs drop off. One call checks your exact medications against the 2027 plans in your area.
- Every prescription checked, name by name
- Your pharmacy checked for preferred pricing
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Key takeaways
- Medicare plan options for Waldorf residents are based on availability across all of Charles County, not just the Waldorf area itself.
- Roughly 23,350 people age 65 and older live in the Waldorf/Charles County area, so many neighbors face the same Medicare decisions.
- CMS Star Ratings score Medicare Advantage and Part D plans from 1 to 5 based on factors like customer service and chronic condition management, but they're just one data point, not a shortcut to picking a plan.
- When comparing options, it helps to check your doctors and prescriptions first, then decide between Original Medicare and Medicare Advantage, and compare total costs like deductibles and out-of-pocket maximums rather than just the premium.
Waldorf, Md. — Sorting Through Your Medicare Choices for 2027
Waldorf is in Charles County, where Medicare plan availability is set at the county level. That means the count of plans you'll see when you shop reflects what carriers have filed with the Centers for Medicare & Medicaid Services (CMS) for Charles County — not just Waldorf itself.
Here's a plain-English snapshot to help you get your bearings for 2027.
What's Available in Charles County
According to CMS Medicare Advantage and Part D Landscape data, here's what Charles County looks like this year:
- 25 Medicare Advantage plans were available in the county for 2026.
- 5 carriers offered Medicare Advantage plans that include prescription drug coverage (MA-PD) for 2026.
- Maryland has 10 stand-alone Part D plans for 2026, sold statewide and available to anyone in Charles County with Original Medicare.
- 0 contracts in the area carried an overall Star Rating of 4 stars or higher in the 2026 data.
For context, roughly 23,350 people age 65 and older live in the Waldorf/Charles County area, so a lot of your neighbors are working through the same questions.
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 how well the plan manages chronic conditions. Ratings are one data point among many — not a shortcut to picking a plan.
The 2027 Numbers Everyone on Medicare Should Know
These figures apply nationwide, not just in Maryland:
- Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket spending on covered prescriptions hits that amount in a given year, you pay nothing more for covered drugs the rest of that year.
- Part D maximum deductible: $615 in 2026 and $700 in 2027. Plans can charge less, but not more.
- The coverage gap ("donut hole") is gone. As of 2025, Part D has three phases instead of four.
- Medicare Prescription Payment Plan. This is an optional program that lets you spread your drug costs across the calendar year in monthly installments instead of paying at the pharmacy counter.
- IRMAA surcharges (extra Part B and Part D premiums for higher earners) start above $109,000 in income for a single filer in 2026.
Dates to Circle
- Annual Enrollment Period: October 15 – December 7, 2026. This is when most people compare, switch, or enroll in Medicare Advantage or Part D coverage for 2027.
- Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, this window lets you switch to a different MA plan or go back to Original Medicare.
How to Decide: A Simple Order of Operations
There's no single "right" plan — the right plan is the one that fits your doctors, your medications, and your budget. A useful order:
1. List your doctors and hospitals. If keeping a specific provider matters, check whether they're in-network before anything else. 2. List your prescriptions, including dosage. Drug formularies vary a lot between plans, and a drug that's inexpensive on one plan can be pricey on another. 3. Decide on the road map: Original Medicare (with or without a Medigap policy and a stand-alone Part D plan) or Medicare Advantage. These are two different structures, not two flavors of the same thing. 4. Compare total expected cost, not just the premium. Deductibles, copays, and out-of-pocket maximums matter more than the sticker price. 5. Check the plan's rules — referrals, prior authorization, and whether you need to stay in-network.
The Plan Finder at medicare.gov lets you enter your ZIP code and your drug list and see personalized results for Charles County.
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 Charles County
(MA penetration in Charles County)
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.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the new $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
Explore
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.
Good to know
Frequently asked questions
Q: I only see Medicare Advantage plans in the Charles County data — where are the stand-alone drug plans?
Q: If no contract in my area has 4+ stars, does that mean the plans are bad?
Q: I take expensive medications. What does the $2,100 cap actually mean for me?
- CMS — Medicare Part D program rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.