Plan year 2027 · Communicare Advantage · Baltimore City, MD
Is Communicare Advantage leaving Baltimore City in 2027?
Yes. Communicare Advantage won't offer Medicare Advantage plans in Baltimore City in 2027, affecting about 45 members. 22 plans from other carriers are still offered here.
Step 1 · Check your plan
Is your Communicare Advantage plan affected?
Tap your plan to see its 2027 status in Baltimore City, or type its name.
Is your plan one of these?
Communicare Advantage has notified CMS that 2 plans in Baltimore City will be terminated or lose part of its service area starting January 1, 2027. Members will need to choose new coverage during the Annual Enrollment Period (October 15 – December 7, 2026). An estimated 45 Communicare Advantage members in Baltimore City are affected.
Affected Communicare Advantage plans
| Plan | What's changing | Effective | What members must do |
|---|---|---|---|
CommuniCare Advantage ISNP (HMO I-SNP) H3727-002 · HMO I-SNP | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
CommuniCare Advantage CSNP (HMO C-SNP) H3727-001 · HMO C-SNP | Termination | January 1, 2027 | Choose a new plan before the deadline. |
What this means for you
If your plan is being terminated
The plan will not exist in 2027. If you do nothing, you return to Original Medicare on January 1 with no drug coverage. You get a Special Enrollment Period from December 8 through the end of February, and guaranteed-issue rights to buy a Medigap policy for 63 days after your coverage ends.
If your plan is reducing its service area
The plan continues elsewhere but is dropping Baltimore City. Because you live in the county being dropped, you are treated the same as a member of a terminated plan: you must pick new coverage and receive the same Special Enrollment Period and Medigap protections.
Can you stay with Communicare Advantage in Baltimore City?
No. Communicare Advantage has no other Medicare Advantage plans in Baltimore City for 2027, so you'll need a plan from a different carrier. 22 plans from 8 carriers are available.
Plans available in Baltimore City for 2027
Losing a plan does not mean losing options. 22 Medicare Advantage plans from 8 carriers are offered in Baltimore City, Maryland for 2027. 12 have a $0 monthly premium, and 9 are D-SNP plans for people with both Medicare and Medicaid.
| Plan | Type | Monthly premium |
|---|---|---|
| Alterwood Advantage Dual Secure (HMO D-SNP)Alterwood Advantage$0/moHMO D-SNP | HMO D-SNP | $0 |
| Alterwood Advantage Dual Value (HMO D-SNP)Alterwood Advantage$0/moHMO D-SNP | HMO D-SNP | $0 |
| Alterwood Advantage Freedom (HMO)Alterwood Advantage$0/moHMO | HMO | $0 |
| Alterwood Advantage Select (HMO)Alterwood Advantage$0/moHMO | HMO | $0 |
| CareFirst BlueCross BlueShield Advantage Salute (PPO)CareFirst BlueCross BlueShield Medicare Advantage$0/moPPO | PPO | $0 |
Showing the 5 lowest-premium of 22 available plans. 2027 star ratings are published by CMS in early October 2026. Premiums shown are the consolidated Part C + D monthly premium.
Dates that matter
Your ANOC letter arrives
Carriers must mail the Annual Notice of Change — and non-renewal notices — before enrollment opens.
Annual Enrollment Period
Pick your 2027 plan. Coverage you choose starts January 1, 2027.
How it works →Special Enrollment Period
Members of terminated plans get extra time to choose a new Medicare Advantage or Part D plan.
How it works →Guaranteed-issue Medigap window
Losing your plan gives you the right to buy select Medigap policies with no health questions.
Medicare Advantage Open Enrollment
Already in a Medicare Advantage plan on January 1? You can make one change: switch plans or go back to Original Medicare.
How it works →
Other carriers changing plans in Baltimore City
Other Maryland counties Communicare Advantage is leaving
Step 2 · Tell us where to send your options
Losing your Communicare Advantage plan? Here are your options
Step 3 · Choose your path
You're all set.
Both options are free. Either way, your information stays with our office.