Plan year 2027 · Frederick County, MD
Medicare Advantage plans leaving Frederick County, Maryland in 2027
6 carriers are pulling plans from Frederick County for 2027: CareFirst BlueCross BlueShield, Aetna, Humana and 3 more.
Step 1 · Check your plan
Is your plan leaving Frederick County?
Tap your plan to see its 2027 status in Frederick County, or type its name.
Is your plan one of these?
Showing the 8 largest of 12 changing plans. Don't see yours? Type it below.
6 carriers are changing coverage in Frederick County for 2027: 9 plan terminations and 3 service area reductions. Roughly 2,339 members in Frederick County are affected. 32 Medicare Advantage plans were offered here in 2026; 24 are offered for 2027. If you're enrolled in one of the plans below, you'll need to pick a new plan for January 1, 2027.
Carriers with changes in Frederick County
- CareFirst BlueCross BlueShield2 service area reductions1,377 membersCareFirst BlueCross BlueShield Advantage Essential (PPO) · CareFirst BlueCross BlueShield Advantage Complete (PPO)
- Aetna2 terminations528 membersAetna Medicare Elite (PPO) · Aetna Medicare Eagle Giveback (PPO)
- Humana2 terminations1 service area reduction345 membersHumana USAA Honor Giveback (PPO) · HumanaChoice SNP-DE H5216-459 (PPO D-SNP) · HumanaChoice SNP-DE H5216-377 (PPO D-SNP)
- Johns Hopkins Advantage MD1 termination89 membersJohns Hopkins Advantage MD Primary (PPO)
- Alterwood Advantage1 terminationAlterwood Advantage Choice Plus (HMO)
- Provider Partners Health Plans3 terminationsProvider Partners Maryland Advantage Plan (HMO I-SNP) · Provider Partners Maryland Essential Plan (HMO I-SNP) · Provider Partners Maryland Community Plan (HMO I-SNP)
Every affected plan in Frederick County
Sorted by carrier. Effective dates are for the 2027 plan year.
| Carrier | Plan | What's changing | Effective | What members must do |
|---|---|---|---|---|
| Aetna Medicare | Aetna Medicare Eagle Giveback (PPO) H5521-480 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Aetna Medicare | Aetna Medicare Elite (PPO) H5521-482 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Alterwood Advantage | Alterwood Advantage Choice Plus (HMO) H9306-002 · HMO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| CareFirst BlueCross BlueShield Medicare Advantage | CareFirst BlueCross BlueShield Advantage Complete (PPO) H7379-002 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| CareFirst BlueCross BlueShield Medicare Advantage | CareFirst BlueCross BlueShield Advantage Essential (PPO) H7379-001 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| Humana | Humana USAA Honor Giveback (PPO) H5216-386 · PPO | Service Area Reduction | January 1, 2027 | Confirm whether your county is still covered. |
| Humana | HumanaChoice SNP-DE H5216-377 (PPO D-SNP) H5216-377 · PPO D-SNP | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Humana | HumanaChoice SNP-DE H5216-459 (PPO D-SNP) H5216-459 · PPO D-SNP | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Johns Hopkins Advantage MD | Johns Hopkins Advantage MD Primary (PPO) H3890-005 · PPO | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Provider Partners Health Plans | Provider Partners Maryland Advantage Plan (HMO I-SNP) H8067-001 · HMO I-SNP | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Provider Partners Health Plans | Provider Partners Maryland Community Plan (HMO I-SNP) H8067-003 · HMO I-SNP | Termination | January 1, 2027 | Choose a new plan before the deadline. |
| Provider Partners Health Plans | Provider Partners Maryland Essential Plan (HMO I-SNP) H8067-004 · HMO I-SNP | Termination | January 1, 2027 | Choose a new plan before the deadline. |
Plans available in Frederick County for 2027
Losing a plan does not mean losing options. 24 Medicare Advantage plans from 7 carriers are offered in Frederick County, Maryland for 2027. 14 have a $0 monthly premium, and 7 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 24 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 →
Step 2 · Tell us where to send your options
Your 2027 options in Frederick County
Step 3 · Choose your path
You're all set.
Both options are free. Either way, your information stays with our office.
Where else these carriers are leaving in Maryland
CareFirst BlueCross BlueShield
ZIP codes in Frederick County
These changes apply to Medicare Advantage members living in Frederick County, including these ZIP codes:
21701, 21702, 21703, 21704, 21705, 21710, 21714, 21716, 21717, 21718, 21727, 21754, 21755, 21758, 21762, 21769, 21770, 21771, 21773, 21774, 21777, 21778, 21780, 21788, 21790, 21791, 21793, 21798