Premiums, copays, and drug lists change every year, and some Medicare Advantage plans in Texas and Oklahoma end December 31. Make sure your 2027 coverage still fits.
Got a letter saying your plan won't be offered in 2027? See your options and deadlines.
See my options →Your Annual Notice of Change lists your 2027 premium, copay, and drug list changes. We'll review it with you.
Schedule my free review →Compare Medicare plans at your ZIP code and self-enroll online in minutes.
Self-enroll online →During Medicare Annual Enrollment, we compare your current Medicare Advantage, Part D, or Medicare Supplement coverage with the 2027 plans at your ZIP code.
Your 2027 premium, deductible, copays, and out-of-pocket maximum.
Whether your medications are still on the plan's drug list and what they'll cost.
Whether your doctors, specialists, and hospitals are still in network.
In-network and preferred pharmacies, plus mail-order options.
Dental, vision, hearing, and other extras that changed for 2027.
Whether your Medicare Advantage plan is ending in Texas or Oklahoma, and your options if it is.
Choosing retirement health coverage isn't just about finding a plan. It's about finding the right plan for your lifestyle and future healthcare needs.
Some Medicare Advantage plans in Texas and Oklahoma end on December 31, 2026. If yours is one of them, you need to choose new coverage. Here's what that means.
Your current Medicare Advantage plan ends on December 31, 2026. Its network, copays, and drug coverage end with it.
If you don't pick a new plan, you're moved to Original Medicare on January 1 with no prescription drug coverage.
A special enrollment window runs through February 28, 2027, even after Annual Enrollment closes on December 7.
Keep your notice letter. It shows you qualify for the special enrollment window.
Plan ending? Enroll by December 31 to avoid a gap in coverage.
AEP FAQ's
In Texas, CHRISTUS Health Plan and Memorial Hermann Health Plan are leaving Medicare Advantage entirely. CHRISTUS sold Medicare Advantage plans in 36 Texas counties, including much of Northeast Texas, Corpus Christi, and Beaumont. Its Medicare Complete, Medicare Plus, and Medicare Guardian HMO plans end December 31, 2026. Memorial Hermann sold plans in 6 Houston-area counties.
In Oklahoma, Blue Cross and Blue Shield of Oklahoma is ending its individual Medicare Advantage and Part D plans. Some Oklahoma counties will also have no Medicare Advantage plan with drug coverage open to general enrollment.
Several national carriers are also ending plans or leaving counties for 2027, so read any letter from your plan closely. If your plan is ending, we can compare your options side by side.
Yes, for individual plans. Blue Cross and Blue Shield of Oklahoma is not offering individual Medicare Advantage HMO, PPO, or prescription drug plans in 2027. HMO members who don't choose a plan may be moved to a HealthSpring HMO plan. You can choose HealthSpring or a different plan during Annual Enrollment.
If you have a BCBSOK PPO or drug plan, check your letter for what happens to your coverage. BCBSOK still offers Medicare Supplement and employer group plans. We can compare your 2027 options side by side.
The Medicare Annual Enrollment Period, often called Medicare Open Enrollment, runs October 15 to December 7, 2026. Changes you make during this time start January 1, 2027.
Check your 2027 premium, deductible, copays, and out-of-pocket maximum. Make sure your prescriptions are still covered and your doctors and pharmacy are still in network. Your Annual Notice of Change (ANOC) lists what's changing.
Yes. Plans that continue can still change premiums, copays, drug lists, and doctor networks for 2027. Your Annual Notice of Change, mailed by September 30, lists what's changing. We can go through it with you.
You're moved to Original Medicare on January 1, 2027. Your plan's drug coverage ends with it, so you won't have Part D unless you join a drug plan.
Annual Enrollment ends December 7, 2026. If your plan is ending, you have a special window through February 28, 2027, but enroll by December 31 to avoid a gap. A plan you pick in January starts February 1, and one picked in February starts March 1.
If you're in a Medicare Advantage plan, you can make one switch during Medicare Advantage Open Enrollment, January 1 to March 31, 2027. If your plan is ending, you also have a special enrollment window through February 28, 2027.
Yes. Use our Medicare plan finder to compare plans at your ZIP code and self-enroll online. If you'd like us to double-check your doctors and prescriptions first, call 903-647-9020.
Yes, that's one option. When a Medicare Advantage plan ends, you may have a guaranteed issue right to buy certain Supplement plans without medical underwriting. You can apply as early as 60 days before your plan ends and up to 63 days after.
Yes. Ask The Medicare Guys is a family-owned, independent Medicare agency at 4615 North Travis St., Suite 220, in Sherman, Texas. We're licensed in Texas, Oklahoma, and 10 more states. Call 903-647-9020 to schedule your 2027 plan review.
No. Our help is no cost to you. Insurance companies pay us, and you pay the same premium as enrolling on your own.
Prefer to browse on your own? Our Medicare plan finder shows the Medicare Advantage, Part D, and Medicare Supplement plans offered at your ZIP code. Enroll online when you're ready.
Want a second set of eyes first? Call or text us at 903-647-9020.
Get expert Medicare guidance at no cost.
Medicare FAQ's
You are eligible to apply for Medicare during your initial enrollment period which is a 7 month window, 3 months before turning 65, the month you turn 65, and 3 months after turning 65.
Apply online at SSA.gov, call Social Security at 1-800-772-1213, or visit your local Social Security office.
If you already get Social Security benefits when you turn 65, you're enrolled in Parts A and B automatically and your card comes in the mail. If not, you sign up during your Initial Enrollment Period.
You can sign up during the General Enrollment Period, January 1 through March 31 each year. Coverage starts the month after you sign up, and a late enrollment penalty may apply.
Yes. If you don't sign up for Part B or Part D when you're first eligible and don't have other qualifying coverage, a penalty can be added to your monthly premium.
Yes. Print or order one from your Medicare.gov account, or call 1-800-MEDICARE (1-800-633-4227).