Let’s choose a 2026 plan
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Medicare 101

If you’re new or just want to understand Medicare a little better, check out this quick video or download our Medicare 101 Guide. Both can help you learn more about your options.

I'm turning 65. When should I sign up?

You can sign up for Original Medicare or a Medicare Advantage plan during the three months before, the month of and the three months after your 65th birthday. If you don’t sign up for prescription drug coverage or a plan with prescription drug coverage during that time, you may pay a penalty on your premium once you do. You can read more in our Medicare 101 Guide.

When can I sign up for or switch plans?

After your initial enrollment period, you can join or switch plans during set times each year.
The Annual Enrollment Period (AEP) goes from Oct. 15 to Dec. 7. If you have Original Medicare, you can join a Medicare Advantage plan during this time. If you already have a Medicare Advantage plan, you can switch to another or go back to Original Medicare. Your new plan will start on Jan. 1 of the next year.
The Medicare Advantage Open Enrollment Period (MA OEP) goes from Jan. 1 to March 31. It’s for people who are already enrolled in a Medicare Advantage plan — even if you just signed up for one during AEP.
During MA OEP, you can switch to another Medicare Advantage plan. Or you can switch to Original Medicare. But you can only switch once during this period each year. Your new plan will start on the first day of the month after you switch.
Need a plan outside of these dates? If you’ve lost your coverage or had a major life change, you may qualify to make changes to your plan right away. Call us if you have questions.

What's your biggest piece of advice for me for choosing a plan?

When comparing plans, ask yourself these questions first.

  • What's your plan's rating?
  • Can you still see your favorite doctors?
  • If the plan you're considering has prescription coverage, are all your drugs covered?
  • What extra benefits do you get like dental, fitness and vision?
  • And is it better for you to spend less per month and more each time you get care, or vice versa?
  • Are you living with a health condition you’d like your Medicare plan to help you with?
Why would I choose a PPO plan like BlueAdvantage?

Both Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) plans have a network of providers you'll pay less to use. If you need to see a provider outside of that network, a PPO plan gives you some benefits for that care. But you'll still pay less by going to an in-network provider. An HMO plan generally won't cover care outside of your network. That means you'll pay the full cost for care outside of your network if you have an HMO Medicare plan unless it's an emergency. All of our BlueAdvantage plans are PPO plans. We have a wide network of providers, and we offer some coverage for visits to providers who aren't in our network, too.

I'm a current BlueAdvantage member. Do I need to re-enroll every year?

If your current plan is offered the following year, it’ll renew automatically. You don’t need to sign up again.

What this means for 2026


Your coverage will automatically continue in 2026 if you have one of these plans:

  • BlueAdvantage Sapphire (PPO)℠
  • BlueAdvantage Garnet (PPO)℠
  • BlueAdvantage Ruby (PPO)℠
  • BlueAdvantage Diamond (PPO)℠
  • BlueAdvantage Extra (PPO)℠
  • BlueAdvantage Freedom (PPO)℠

If you have BlueAdvantage Prime (PPO)℠, your plan is ending after 2025. But don’t worry. We have other Medicare plans to choose from. And we can help you with the transition. Just give us a call at 1-888-287-0144 1-888-287-0144, TTY 711711. We’re here from 8 a.m. to 9 p.m. ET, seven days a week.

 

Find care

See what doctors, hospitals and specialists are in our Medicare Advantage network.

See how our Medicare plans compare

This quick comparison should help you narrow in on the plan for you.

We can also help you think through your options. Just click the blue button and answer a few questions. Or give us a call at 1-888-287-0144 1-888-287-0144, TTY 711711, seven days a week from 8 a.m. to 9 p.m. ET.

FIND MY PLAN

Plans that can include:

Our Medicare Advantage Plans

Our Medicare Supplement Plans Information icon

Our Medicare with Medicaid Plans

Prescription drug coverage Information icon

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$0 monthly premium options

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Access to any doctor or hospital that accepts Medicare

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No referrals required

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Free fitness program

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Dental, vision and hearing included Information icon

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Get added value with Medicare Advantage

It's important to make sure you have a plan that covers everything you're expecting. We have Medicare Advantage plan options that cover things Original Medicare doesn’t—like dental, vision and hearing aids, so you can be ready for anything.

Get added value with Medicare Advantage

It's important to make sure you have a plan that covers everything you're expecting. We have Medicare Advantage plan options that cover things Original Medicare doesn’t—like dental, vision and hearing aids, so you can be ready for anything.

See if we cover your drugs

Our covered drug lists (also called formularies) tell you what Part D prescription drugs we cover. They also tell you what tier each drug is in. This helps you know how much you can expect to pay at the pharmacy. You can find our 2026 covered drug lists below.

Looking for our 2025 covered drug lists? You can find them here.

See our 2026 covered drug list for members of:

  • BlueAdvantage Sapphire (PPO)SM
  • BlueAdvantage Garnet (PPO)SM
  • BlueAdvantage Ruby (PPO)SM
  • BlueAdvantage Diamond (PPO)SM
  • BlueAdvantage Total Heart and Diabetes (PPO C-SNP)SM

See our 2026 covered drug list for members of:

  • BlueAdvantage Extra (PPO)SM
  • BlueAdvantage Total Heart and Diabetes Plus (PPO C-SNP)SM

Get one-on-one help

We’re here to help answer your questions and guide you through your Medicare options. Just call us at 1-888-287-0144 1-888-287-0144, TTY 711711, from 8 a.m. to 9 p.m. ET, seven days a week. Prefer we reach out to you? Just fill out this short form and let us know how we can get in touch.