Medicare Open Enrollment Is Now Open

It's Time to Review Your Medicare Coverage for 2027

October 15 – December 7, 2026

Medicare Annual Enrollment is your opportunity to review your current coverage, understand what's changing for 2027 and make changes when needed. Bailey Insurance Services is here to help make the process easier to understand.

Call Bailey: 406-752-7676 View Seminar Schedule

Local Medicare guidance from Bailey Insurance Services in Kalispell.

2027 Medicare Coverage

There are important changes this year.

Medicare plans can change from one year to the next. Some plans are leaving Montana or certain counties, while other plans are changing costs, copays and benefits.

If you received an Annual Notice of Change or a letter telling you that your plan will not be available in 2027, don't ignore it. Bailey Insurance can help you understand what it means and what steps you may need to take.

You have options.

You do not have to sort through Medicare changes by yourself. Attend one of our free seminars or contact our office to schedule an in-person or phone appointment with a Bailey Medicare specialist.

Important Plan Updates

Is your Medicare Advantage plan changing or ending?

Bailey Insurance has identified several important plan changes affecting Montana Medicare beneficiaries for 2027.

Blue Cross Blue Shield

All Medicare Advantage plans are exiting Montana for the 2027 plan year.

UnitedHealthcare

Choice Plan 1, Choice Plan 2 and Choice Plan 3 are exiting all Montana counties.

Humana

Humana H6622-007-000 HMO and H5525-031-000 are exiting Lake County only.

If your current plan is ending, action may be required.

If you are enrolled in one of the affected plans, you should have received notice that the plan will no longer be available after December 31, 2026. Contact Bailey Insurance so we can help you review the coverage options available to you for 2027.

Current Humana Members

Review your 2027 plan changes.

Humana plans have several changes for the 2027 plan year, including changes to copays, prescription costs and additional benefits.

Please review your ANOC.
Your Annual Notice of Change explains the specific changes to your current plan for 2027.

Prescription deductibles have increased.
Tier 3 prescriptions are changing from a $47 copay to 17% coinsurance.
Lab copays are decreasing from $45 to $0.
Air ambulance coverage is changing from a copay to 20% coinsurance.
Physical therapy copays have increased.
Dental and vision benefits are changing.

Happy with your current Humana plan?

If your current Humana plan is continuing into 2027 and you are satisfied with your coverage, there is nothing you need to do. Continue paying your premium, if applicable, and your plan will continue into 2027. If you'd like to explore other options, attend one of our seminars or contact Bailey Insurance.

Free Medicare Seminars

Find a seminar near you.

Bailey Insurance is offering seminars throughout Flathead, Lincoln, Lake and Sanders counties during Medicare Annual Enrollment.

No RSVP is required. Simply choose the location and session that works best for you.