It’s time to review your Medicare coverage for 2027
Medicare Annual Enrollment is the time to make sure your 2027 coverage still fits your doctors, prescriptions, care needs, and budget. Plans can change each year, so reviewing your options now can help you avoid surprises in the new year.
Use this guide to know what to check, when to take action, and where to find no-cost Medicare support if you would like help comparing options.
Your Medicare coverage matters in everyday moments — when you schedule a visit, fill a prescription, see a specialist, prepare for surgery, or plan for care after a hospital stay. Even if you are happy with your current plan, it is worth checking whether anything will change for 2027.
Providence, Swedish, and PacMed do not recommend or endorse specific Medicare plans. We can connect you with licensed insurance resources that can explain plan options based on your individual needs.
What to review before Dec. 7
Before Annual Enrollment ends, consider reviewing these key areas:
- Confirm that your primary care provider, specialists, hospitals, and clinics are still in network.
- Check whether your prescriptions are covered and whether pharmacy access or medication costs will change.
- Compare premiums, deductibles, copays, coinsurance, and yearly out-of-pocket costs.
- Look for changes to benefits such as dental, vision, hearing, transportation, over-the-counter allowances, or other support services.
- Ask about enrollment deadlines, coverage start dates, and possible late enrollment penalties.
2027 prescription drug coverage updates
If you take regular medications, prescription drug coverage should be part of your yearly review. For 2027, Medicare Part D includes these important updates:
- Covered Part D out-of-pocket prescription drug costs are expected to be capped at $2,400.
- The standard deductible is expected to increase to $700, though actual deductibles may vary by plan.
- The redesigned Part D structure continues, including no coverage gap and access to the Medicare Prescription Payment Plan.
Good to know: Prescription drug lists, pharmacy networks, and out-of-pocket costs vary by plan. A licensed insurance agent can help you review how the 2027 changes may affect your medications and budget.
“Medicare Annual Enrollment can feel like a lot to navigate, but you do not have to do it alone. Licensed insurance agents can explain options in plain language so you can make a decision that feels right for you,” says Carol Repasky, senior outreach manager for Community Care Alliance with Providence.
Get no-cost help before Annual Enrollment ends
If you are considering a Medicare plan change for 2027 — or want to confirm your current plan still meets your needs and includes your primary care doctor — consider speaking with a licensed insurance agent before Annual Enrollment ends on Dec. 7, 2026. Any changes made during this period take effect Jan. 1, 2027.
American Senior Resources* offers no-cost workshops, one-on-one consultations, and a Medicare Help Line for eligible patients and community members across Providence, Swedish, and PacMed locations.
Simple ways to get help
Call the American Senior Resources Medicare Help Line at 877-315-3279.
- Visit the Swedish Medicare website
- Visit the Pacific Medical Centers Medicare website
- Visit the Providence Medicare website
- Visit Welcome to Medicare | Medicare
Common questions about 2027 Medicare Annual Enrollment
Q: Why should I review my Medicare plan if I like my current coverage?
A: Plans can change each year. Your doctors, specialists, prescription drugs, pharmacy access, monthly premium, deductible, and out-of-pocket costs may be different in 2027. Reviewing your plan can help you avoid surprises.
Q: When can I make changes to my 2027 Medicare coverage?
A: Medicare Annual Enrollment runs from Oct. 15 through Dec. 7, 2026. Changes made during this time take effect Jan. 1, 2027.
Q: What should I know about 2027 prescription drug coverage?
A: The standard Part D deductible is expected to increase to $700, and covered out-of-pocket prescription drug costs are expected to be capped at $2,400. Covered medications generally cost $0 for the rest of the year after you reach the cap, but drug lists, pharmacy networks, and plan costs can still vary.
Q: Where can I get help reviewing Medicare options?
A: You can call the American Senior Resources Medicare Help Line at 877-315-3279 or use the Providence, Swedish, or Pacific Medical Centers Medicare websites listed above to connect with no-cost support.
Contributing caregiver
Carol Repasky is the senior outreach manager for the Community Care Alliance with Providence.
Need help finding a doctor?
If you need help finding a provider, visit the provider directory. You may also access virtual care through Providence Express Care Virtual.
Related resources
Medicare & You 2027 official handbook — Official Medicare information about 2027 coverage.
Learn how Medicare drug coverage costs work — Information about Part D deductibles, out-of-pocket limits, and drug costs.
Learn about the Medicare Prescription Payment Plan — Details about spreading covered prescription drug costs across the calendar year.
*American Senior Resources is an independent, licensed health insurance agency that sells insurance supplementing Medicare and is not affiliated or connected with Providence, Medicare, or any other government program or agency. American Senior Resources offers plans from several insurance companies.
†Attention USFHP Members: If you joined USFHP prior to October 1, 2012, you can stay with the plan for life. Although not required, it is highly advisable that you also take Medicare when you become eligible, in addition to keeping USFHP. This combination would function similar to a Medicare Advantage plan. Please call 800-585-5883 option 2 with any questions.
About Providence Swedish
Providence Swedish has served the Puget Sound region since the first Providence hospital opened in Seattle in 1877 and the first Swedish hospital opened in 1910. The two organizations affiliated in 2012 and today comprise the largest health care delivery system in Western Washington, with 24,000 caregivers, eight hospitals and 244 clinics throughout Western Washington – from Everett to Centralia. A not-for-profit family of organizations, Providence Swedish provides more than $545 million in community benefit in the Puget Sound region each year. The health system offers a comprehensive range of services and specialty and subspecialty care in a number of clinical areas, including cancer, cardiovascular health, neurosciences, orthopedics, digestive health and women’s and children’s care. For more information, visit providence.org/swedish.