Every year, Medicare beneficiaries have an opportunity to review and change coverage during Annual Enrollment Period, which runs from October 15 through December 7. For 2027, Medicare changes include updates to Medicare Advantage and Part D program rules, while final local plan benefits, premiums, provider networks, and formularies are still expected later this fall. Cilella Insurance is reviewing every plan available to clients across our 14 licensed states so we can recommend what actually works for each individual situation.
As of August 7, 2026, final 2027 Medicare Part B premiums, deductibles, and IRMAA income thresholds have not yet been released. That does not mean you should wait to prepare. It means this is the right time to understand what will change, what to watch for, and how to review your plan before the December 7 deadline.
Medicare Part B Premium Update for 2027
Medicare Part B covers services such as doctor visits, outpatient care, preventive services, durable medical equipment, and many other medical services. Most people with Medicare pay the standard Part B premium, while higher-income beneficiaries may pay an additional Income-Related Monthly Adjustment Amount, known as IRMAA.
The official 2027 standard Part B premium, annual deductible, and IRMAA thresholds have not yet been announced by CMS. These figures are typically released later in the year, so anyone publishing Medicare information should avoid guessing at a number before the official announcement is available.
For planning purposes, remember that your Part B premium is separate from any Medicare Advantage premium, Part D drug plan premium, or Medicare Supplement premium. Even if you enroll in a $0-premium Medicare Advantage plan, you must continue paying your Medicare Part B premium.
At Cilella Insurance, we will update our 2027 reviews as soon as final federal premium and IRMAA information is available. If you have higher income, recently retired, sold property, or experienced another major financial change, it is especially important to review how Medicare costs may affect your budget.
Medicare Advantage Plan Changes Coming to West Virginia
Medicare Advantage plans
can change from year to year. A plan that has been a good fit in 2026 may have a different premium, deductible, copay structure, prescription drug benefit, provider network, dental allowance, vision benefit, or maximum out-of-pocket amount in 2027.
CMS has finalized several program-level policy updates for 2027, including changes to Medicare Advantage and Part D quality measurements. However, those federal program changes do not tell us exactly which plans will be offered in Monongalia County or what each individual carrier will charge.
Final Medicare Advantage plan offerings, benefits, and premiums are expected to be released in the fall. That is when we can begin comparing the real choices available in your county and ZIP code.
For Morgantown-area residents, network review is one of the most important steps. If you want to continue seeing physicians connected with WVU Medicine, Mon Health, or another preferred provider group, we will check the specific 2027 plan directory before recommending a change. A provider may participate in one Medicare Advantage plan but not another—even when both plans are offered by the same carrier.
We also look beyond the monthly premium. A plan with a lower premium may have higher specialist copays, more restrictive network rules, different prior authorization requirements, or a higher maximum out-of-pocket amount. The best option depends on how you actually use care.
Prescription Drug Plan Updates: What’s on the Formulary?
Prescription drug coverage deserves careful attention every year. Whether you have a stand-alone Part D plan or a Medicare Advantage plan with drug coverage, your plan can change its formulary, pharmacy network, deductible, copays, coinsurance, prior authorization requirements, and preferred drug tiers.
For 2027, CMS has released preliminary Part D bid information. The national base beneficiary premium for 2027 will be $41.33, but that number is not
your actual plan premium. Each Part D plan sets its own premium and benefit design, so your costs may be higher or lower depending on the specific plan available where you live.
The redesigned Part D benefit continues into 2027. The coverage-gap phase has been eliminated, and people with Part D coverage will continue to have an annual out-of-pocket limit for covered prescription drugs. The exact 2027 out-of-pocket threshold and individual plan details should be confirmed when final plan materials become available.
When we complete a review, we enter your actual prescriptions, dosages, preferred pharmacy, and county of residence. This helps us compare your likely total drug costs—not just the plan’s advertised premium. A plan that looks inexpensive at first may be costly if one of your medications moves to a higher tier or is no longer covered.
Review our Prescription Drug Plans
information if you would like to better understand how Part D coverage works.
What the Changes Mean for Morgantown-Area Residents
Medicare is federal, but your plan choices are local. Medicare Advantage plans, Part D plans, provider networks, premiums, and supplemental benefits can vary by county and ZIP code. The choices available to someone in Morgantown or another part of Monongalia County may be different from choices in nearby Pennsylvania, Ohio, or other states where Cilella Insurance is licensed.
That is why a generic Medicare advertisement cannot replace a personal review. Your doctors, prescriptions, preferred pharmacy, travel habits, health needs, and budget all matter.
For example, someone who sees multiple specialists may care most about network access and referral requirements. Someone with several brand-name prescriptions may prioritize formulary coverage and pharmacy pricing. Someone who travels often or spends time in another state may want to compare Original Medicare with Medicare Supplement plans
for broader provider flexibility.
How to Know If Your Plan Is Still the Best Fit
Your Annual Notice of Change, often called the ANOC, is one of the most important Medicare documents you will receive each fall. It explains how your current plan is changing for the next year.
When you receive it, look closely at:
- Your monthly premium and deductible.
- Primary-care, specialist, emergency room, and hospital copays.
- Your annual maximum out-of-pocket amount.
- Whether your doctors, specialists, and hospitals remain in-network.
- Changes to prescription drug coverage, tiers, restrictions, and pharmacy options.
- Dental, vision, hearing, transportation, and over-the-counter benefits.
- Prior authorization or referral rules that may affect your care.
Do not assume that staying with the same carrier means your coverage will stay the same. Annual Enrollment is your opportunity to compare what is available for 2027 and decide whether keeping your current plan still makes sense.
What to Do Before December 7
Start early. Waiting until the final week of Annual Enrollment can make the process feel rushed, especially if you need to verify doctors, prescriptions, or enrollment options.
Before your review, gather your Medicare card, current plan card, Annual Notice of Change, prescription list, preferred pharmacy, and the names of doctors and hospitals you want to keep. If you have received notices about provider-network changes or medication coverage changes, bring those too.
Then schedule a review with Cilella Insurance. We will help you compare your current plan against 2027 options in your area and explain the differences in clear language. If you decide a different plan is a better fit, we can help you understand the enrollment process before the deadline.
For some clients, keeping the current plan will still be the right decision. For others, a change may reduce prescription costs, improve provider access, or create more predictable out-of-pocket expenses. The goal is not to switch plans every year—it is to make sure your plan still fits.
FAQ
When can I change my Medicare coverage for 2027?
Medicare Annual Enrollment Period runs from October 15 through December 7, 2026. Changes made during this period generally take effect January 1, 2027.
Have 2027 Medicare Part B premiums been announced?
Not yet. As of August 7, 2026, CMS has not released the final 2027 Part B standard premium, deductible, or IRMAA thresholds.
Will my Medicare Advantage plan automatically renew?
Many plans renew automatically, but you should still review your Annual Notice of Change. Your plan’s premium, copays, network, drug coverage, and extra benefits may change for 2027.
Will all Medicare plans be available everywhere in West Virginia?
No. Medicare Advantage and Part D plan availability varies by county and ZIP code. Benefits, provider networks, and costs can differ even between nearby communities.
Can Cilella Insurance compare my current plan with 2027 options?
Yes. We can review your doctors, prescriptions, preferred pharmacy, health needs, and budget to help you compare available options in the area where you live.
Changes are coming. Let’s make sure your plan is ready for them. Call Cilella Insurance at 304.988.5552 or visit our No cost Medicare review page to schedule your no cost 2027 plan review.