Plan year 2027 · Humana · Cecil County, MD
Humana plans ending in Cecil County for 2027
Humana is ending 3 plans here for 2027 but still offers 4 other plans in Cecil County.
Step 1 · Check your plan
Is your Humana plan affected?
Tap your plan to see its 2027 status in Cecil County, or type its name.
Is your plan one of these?
Humana has notified CMS that 3 plans in Cecil County 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 143 Humana members in Cecil County are affected.
Affected Humana plans
| Plan | What's changing | Effective | What members must do |
|---|---|---|---|
Humana USAA Honor Giveback (PPO) H5216-386 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
HumanaChoice SNP-DE H5216-459 (PPO D-SNP) H5216-459 · PPO D-SNP | Termination | January 1, 2027 | Choose a new plan before the deadline. |
HumanaChoice SNP-DE H5216-377 (PPO D-SNP) H5216-377 · PPO D-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 Cecil County. 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 Humana in Cecil County?
Yes. Humana offers 4 other Medicare Advantage plans in Cecil County for 2027, so switching plans doesn't have to mean switching carriers. Check that your doctors and prescriptions carry over before you choose.
| Plan | Type | Monthly premium |
|---|---|---|
| Humana USAA Honor Giveback (PPO)Humana$0/moPPO | PPO | $0 |
| HumanaChoice H5216-376 (PPO)Humana$0/moPPO | PPO | $0 |
| HumanaChoice H7617-044 (PPO)Humana$0/moPPO | PPO | $0 |
Showing the 3 lowest-premium of 4 Humana plans.
Plans available in Cecil County for 2027
Losing a plan does not mean losing options. 16 Medicare Advantage plans from 5 carriers are offered in Cecil County, Maryland for 2027. 11 have a $0 monthly premium, and 5 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 Essential (PPO)CareFirst BlueCross BlueShield Medicare Advantage$0/moPPO | PPO | $0 |
Showing the 5 lowest-premium of 16 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 Cecil County
Other Maryland counties Humana is leaving
Step 2 · Tell us where to send your options
Losing your Humana 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.