Enroll now   Opens in a new window.

Questions? We're here to help
1-866-906-5125 (TTY 711)

Call to Enroll
1-866-906-5125 (TTY 711)
October 1 through March 31
8:00 a.m. to 8:00 p.m., 7 days a week

Questions? We're here to help. 
1-866-906-5125 (TTY 711)

Call to Enroll
1-866-906-5125 (TTY 711)
October 1 through March 31
8:00 a.m. to 8:00 p.m., 7 days a week

Call to enroll 1-866-906-5125 (TTY 711)
Enroll by December 31 to avoid a lapse in coverage.

For residents of Broome, Chemung, Chenango, Cortland, Herkimer, Jefferson, Lewis, Madison, Schuyler, St. Lawrence, Steuben, Tioga & Tompkins Counties, NY

3 simple steps to finding
your new plan for 2027

Explore

Learn about all the plans and benefits available in 2027.
 

Evaluate

View your recommended plan for 2027 and compare plan options side-by-side.
 

Enroll

Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a lapse in coverage.

Explore

Learn about all the plans and benefits available in 2027
 

Evaluate

View your recommended plan for 2027 and compare plan options side-by-side.
 

Enroll

Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a laps in coverage.

Explore

Learn about all the plans and benefits available in 2027.
 

Evaluate

View your recommended plan for 2027 and compare plan options side-by-side.
 

Enroll

Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a lapse in coverage.

Explore

Learn about all the plans and benefits available in 2027
 

Evaluate

View your recommended plan for 2027 and compare plan options side-by-side.
 

Enroll

Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a laps in coverage.

Explore

Learn about all the plans and benefits available in 2027.
 

Evaluate

View your recommended plan for 2027 and compare plan options side-by-side.
 

Enroll

Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a lapse in coverage.

Step 1: Explore

What plans and benefits are available to you in 2027?

Download our 2027 product brochure to view all Excellus BlueCross BlueShield Medicare Advantage plan options and benefit details available in your area.

Download our 2027 product brochure to view all Excellus BlueCross BlueShield Medicare Advantage plan options and benefit details available in your area.

Download our 2027 product brochure to view all Excellus BlueCross BlueShield Medicare Advantage plan options and benefit details available in your area.

All 2027 plans come with:

$0 

preventive
dental

$0 

routine
vision exams

$0 

routine
hearing exams

$0 

preventive
care services

$0 

preventive
vaccines

worldwide urgent
and emergency care

All 2027 plans come with:

$0 

preventive
dental

$0 

routine
vision exams

$0 

routine
hearing exams

$0 

preventive
care services

$0 

preventive
vaccines

$0 

worldwide urgent
and emergency care

All 2027 plans come with:

$0 

preventive
dental

$0 

routine
vision exams

$0 

routine
hearing exams

$0 

preventive
care services

$0 

preventive
vaccines

$0 

worldwide urgent
and emergency care

All 2027 plans come with:

$0 preventive dental

$0 routine vision exams

$0 routine hearing exams

$0 preventive care services

$0 preventive vaccines

$0 worldwide urgent and emergency care

Additional Resources

Use the tools and materials here to help inform your choice of an
Excellus BCBS Medicare Advantage plan for 2027.

2027 dental benefits

Preventive dental is included on all plans for $0. Learn more about dental benefits and additional coverage options for more extensive services.

Part D coverage

Understand your Medicare Part D pharmacy benefits, including drug coverage, costs, and tools to help you get the medications you need.

Ways to enroll

View our quick video to understand the different enrollment methods you can choose from.

Step 2: Evaluate

What are your needs and options for the upcoming year?

  • View your recommended 2027 plan based on the coverage you have today
  • Compare all of your plan options side-by-side in the table below
  • Consider how coverage may differ from your current plan
  • Understand what out-of-pocket costs you can expect in 2027.
  • View your recommended 2027 plan based on the coverage you have today
  • Compare all of your plan options side-by-side in the table below
  • Consider how coverage may differ from your current plan
  • Understand what out-of-pocket costs you can expect in 2027.

Get your 2027 recommended plan

Click on your current 2026 Excellus BCBS Medicare plan name below to view your recommended plan and benefit highlights for 2027.

Not sure of your plan name?

Your plan name can be found on the front of your Excellus BCBS member ID card.

Not sure of your plan name?

Your plan name can be found on the front of your Excellus BCBS member ID card.

Click on your current 2026 Excellus BCBS Medicare plan name below to view your recommended plan and benefit highlights for 2027.

For residents of Cortland, Lewis, Madison, Steuben, and Tioga Counties, NY:

Medicare BlueActive

Your recommended plan
for 2027 is

Medicare Blue Choice® 028 (HMO)

Plan Highlights:

  • $0 preventive care services and vaccines
  • $0 preventive dental services
  • $0 routine vision exams
  • $0 routine hearing exams, plus savings on hearing aids
  • Worldwide urgent and emergency care coverage

Medicare BlueEssential

Your recommended plan
for 2027 is

Medicare Blue Choice® 028 (HMO)

Plan Highlights:

  • $0 preventive care services and vaccines
  • $0 preventive dental services
  • $0 routine vision exams
  • $0 routine hearing exams, plus savings on hearing aids
  • Worldwide urgent and emergency care coverage

Medicare BlueClassic

Your recommended plan
for 2027 is

Medicare Blue Choice® 029 (HMO-POS)

Plan Highlights:

  • $0 preventive care services and vaccines
  • $0 preventive dental services
  • Eyewear allowance of $200/year
  • $0 routine vision exams
  • $0 routine hearing exams, plus savings on hearing aids
  • $0 fitness benefit
  • Out-of-network coverage (up to $3,000) so you can receive in-person care from providers outside of our network without having to pay the full cost
  • Worldwide urgent and emergency care coverage

Medicare BlueEnhanced

Your recommended plan
for 2027 is

Medicare Blue Choice® 030 (HMO-POS)

Plan Highlights:

  • $0 preventive care services and vaccines
  • $0 Primary Care Physician (PCP) office visits
  • $0 preventive dental services
  • Eyewear allowance of $200/year
  • $0 routine vision exams
  • $0 routine hearing exams, plus savings on hearing aids
  • $0 fitness benefit
  • Out-of-network coverage (up to $3,000) so you can receive in-person care from providers outside of our network without having to pay the full cost
  • Worldwide urgent and emergency care coverage

For residents of Broome, Chemung, Chenango, Herkimer, Jefferson, Schuyler, St. Lawrence, and Tompkins Counties, NY:

Medicare BlueVital

Your recommended plan for
2027 is

Medicare Blue Choice® 028 (HMO)

Plan Highlights:

  • $0 monthly premium
  • $0 preventive care services and vaccines
  • $0 preventive dental services
  • $0 routine vision exams
  • $0 routine hearing exams, plus savings on hearing aids
  • Worldwide urgent and emergency care coverage

Medicare BlueBalanced

Your recommended plan for
2027 is

Medicare Blue Choice® 029 (HMO-POS)

Plan Highlights:

  • $0 preventive care services and vaccines
  • $0 preventive dental services
  • Eyewear allowance of $200/year
  • $0 routine vision exams
  • $0 routine hearing exams, plus savings on hearing aids
  • $0 fitness benefit
  • Out-of-network coverage (up to $3,000) so you can receive in-person care from providers outside of our network without having to pay the full cost
  • Worldwide urgent and emergency care coverage

Medicare BlueEnhanced

Your recommended plan for
2027 is

Medicare Blue Choice® 030 (HMO-POS)

Plan Highlights:

  • $0 preventive care services and vaccines
  • $0 Primary Care Physician (PCP) office visits
  • $0 preventive dental services
  • Eyewear allowance of $200/year
  • $0 routine vision exams
  • $0 routine hearing exams, plus savings on hearing aids
  • $0 fitness benefit
  • Out-of-network coverage (up to $3,000) so you can receive in-person care from providers outside of our network without having to pay the full cost
  • Worldwide urgent and emergency care coverage

Compare All 2027 Excellus BlueCross BlueShield Medicare Advantage
+ Prescription Drug Plans

Medicare Blue Choice® 028
(HMO)

Medicare Blue Choice® 029
(HMO-POS)

Medicare Blue Choice® 030
(HMO-POS)

Monthly premium

$14

$85.30

$125.30

Medical benefit highlights
Medical deductible

No deductible

No deductible

No deductible

Annual physicals

$0

$0

$0

Out-of-network coverage

Urgent/emergency only
 

Urgent/emergency only

$3,000 OON (calendar year). Applies to medical not Part D. Once benefit maximum is met, member is liable.

Primary care visits

$10

$5

$0

Specialist doctor visits

$55

$40

$30

MD Live® Virtual Care
Medical appointments, including teledermatology

$10
 

$5


 

$0

MD Live® Virtual Care Behavioral health appointments

$55
 

$40


 

$30

Hospital Stays

Days 1-5: $490/day
Days 6+: Fully covered

Days 1-5: $400/day
Days 6+: Fully covered

Days 1-5: $350/day
Days 6+: Fully covered

Outpatient surgeries

$480

$350

$250

Ambulance

$300

$150

$150

U.S. and worldwide urgent care

$40

$40

$40

U.S. and worldwide emergency care

$115

$115

$115

Maximum out-of-pocket

$9,850

$8,500

$7,500

Out-of-network benefit limit

N/A

$3,000

$3,000

Prescription drug benefit highlights
Part D deductible

$700 (Tiers 2-5)

$700 (Tiers 2-5)

$325 (Tiers 3-5)

Prescription drugs
Preferred pharmacy 
(30-day supply)

 

Tier 1: $5   
Tier 2: $15 
Tier 3: 20%
Tier 4: 25%
Tier 5: 25%
 

Tier 1: $4     
Tier 2: $15   
Tier 3: 20%  
Tier 4: 25%  
Tier 5: 25%  
 

Tier 1: $0   
Tier 2: $5   
Tier 3: 20%
Tier 4: 30%
Tier 5: 29%

Prescription drugs
Standard pharmacy
(30-day supply)

Tier 1: $10 
Tier 2: $20 
Tier 3: 25%
Tier 4: 50%
Tier 5: 25%

Tier 1: $9  
Tier 2: $20 
Tier 3: 25%
Tier 4: 40%
Tier 5: 25%

Tier 1: $5   
Tier 2: $10 
Tier 3: 20%
Tier 4: 43%
Tier 5: 29%

Part D maximum out-of-pocket

$2,400

 

 

$2,400

 

$2,400

Additional key benefits and services

Preventive dental

$0
One cleaning, one oral exam, one set of bitewing X-rays

$0
Two cleanings, two oral exams, two sets of bitewing X-rays

$0
Two cleanings, two oral exams, two sets of bitewing X-rays

Comprehensive dental benefit (Covers more extensive services like restorative care or major procedures such as dentures and select crowns)

Purchase up to $1,000 in supplemental annual coverage for $35/month

Purchase up to $1,000 in supplemental annual coverage for $35/month

Purchase up to $1,000 in supplemental annual coverage for $35/month

Annual eyewear allowance

Not included

$200

$200

Routine vision exam

$0

$0

$0

Routine hearing exam

$0 from TruHearing®

$0 from TruHearing®

$0 from TruHearing®

Hearing aids Standard/advanced/premium tiers

$299/$499/$799 from TruHearing®

$299/$499/$799 from TruHearing®

$299/$499/$799 from TruHearing®

Fitness benefit

Not included

$0

$0

Meal benefit

No coverage

 

No coverage

14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.

Transportation benefit

No coverage

 

No coverage

12 one-way trips to health related location within 50-mile limit

Cost shares listed for various benefits are applicable to providers within our network unless otherwise noted.
HMO-POS plans provide out-of-network coverage. Out-of-network spend does not apply to maximum out-of-pocket limit.

2027 Excellus BlueCross BlueShield Medicare Advantage & Prescription Drug Plans


Medicare Blue Choice® 024
(HMO)


Medicare Blue Choice® 025
(HMO-POS)


Medicare Blue Choice® 026
(HMO-POS)

Monthly premium

$0

$75.30

$115.30

Medical benefit highlights
Medical deductible

No deductible

No deductible

No deductible

Annual physicals

$0

$0

$0

Out-of-network coverage

Urgent/emergency only
 

Urgent/emergency only

$3,000 OON (calendar year). Applies to medical not Part D. Once benefit maximum is met, member is liable.

Primary care visits

$10

$5

$0

Specialist doctor visits

$55

$40

$30

MD Live® Virtual Care Medical appointments, including teledermatology

$10
 

$5


 

$0

MD Live® Virtual Care Behavioral health appointments

$55
 

$40


 

$30

Hospital Stays

Days 1-5: $490/day
Days 6+: Fully covered

Days 1-5: $400/day
Days 6+: Fully covered

Days 1-5: $350/day
Days 6+: Fully covered

Ambulance

$300

$150

Days 1-5: $150/day
Days 6+: Fully covered

U.S. and worldwide urgent care

$40

$40

$40

U.S. and worldwide emergency care

$115

$115

$115

Maximum out-of-pocket

$9,850

$8,500

$7,500

Out-of-network benefit limit

N/A

$3,000

$3,000

Prescription drug benefit highlights
Part D deductible

$700 (Tiers 2-5)

$700 (Tiers 2-5)

$325 (Tiers 3-5)

Prescription drugs
Preferred pharmacy 
(30-day supply)

 

Tier 1: $5   
Tier 2: $15 
Tier 3: 20%
Tier 4: 25%
Tier 5: 25%
 

Tier 1: $4     
Tier 2: $15   
Tier 3: 20%  
Tier 4: 25%  
Tier 5: 25%  
 

Tier 1: $0   
Tier 2: $5   
Tier 3: 20%
Tier 4: 30%
Tier 5: 29%

Prescription drugs
Standard pharmacy
(30-day supply)

Tier 1: $10 
Tier 2: $20 
Tier 3: 25%
Tier 4: 50%
Tier 5: 25%

Tier 1: $9  
Tier 2: $20 
Tier 3: 20%
Tier 4: 50%
Tier 5: 25%

Tier 1: $5   
Tier 2: $10 
Tier 3: 20%
Tier 4: 30%
Tier 5: 29%

Part D maximum out-of-pocket

$2,400

 

 

$2,400

 

$2,400

Additional key benefits and services

Preventive dental

$0
One cleaning, one oral exam, one set of bitewing X-rays

$0
Two cleanings, two oral exams, two sets of bitewing X-rays

$0
Two cleanings, two oral exams, two sets of bitewing X-rays

Comprehensive dental benefit (Covers more extensive services like restorative care or major procedures such as dentures and select crowns)

Purchase up to $1,000 in supplemental annual coverage for $35/month

Purchase up to $1,000 in supplemental annual coverage for $35/month

Purchase up to $1,000 in supplemental annual coverage for $35/month

Annual eyewear allowance

Not included

$200

$200

Routine vision exam

$0

$0

$0

Routine hearing exam

$0 from TruHearing®

$0 from TruHearing®

$0 from TruHearing®

Hearing aids
Standard/advanced/
premium tiers

$299/$499/$799 from TruHearing®

$299/$499/$799 from TruHearing®

$299/$499/$799 from TruHearing®

Fitness benefit

Not included

$0

$0

Meal benefit

No coverage

 

No coverage

14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.

Transportation benefit

No coverage

 

No coverage

12 one-way trips to health related location within 50-mile limit

Cost shares listed for various benefits are applicable to providers within our network unless otherwise noted.
HMO-POS plans provide out-of-network coverage. Out-of-network spend does not apply to maximum out-of-pocket limit.

Compare All 2027 Excellus BlueCross BlueShield Medicare Advantage + Prescription Drug Plans


Medicare
Blue Choice® 028
(HMO)


Medicare
Blue Choice® 029
(HMO-POS)


Medicare
Blue Choice® 030
(HMO-POS)

Monthly premium

$14

$85.30

$125.30

Medical benefit highlights
Medical deductible

No deductible

No deductible

No deductible

Annual physicals

$0

$0

$0

Out-of-network coverage

Urgent/emergency only
 

Urgent/emergency only

$3,000 OON (calendar year). Applies to medical not Part D. Once benefit maximum is met, member is liable.

Primary care visits

$10

$5

$0

Specialist doctor visits

$55

$40

$30

MD Live® Virtual Care Medical appointments, including teledermatology

$10
 

$5


 

$0

MD Live® Virtual Care Behavioral health appointments

$55
 

$40


 

$30

Hospital Stays

Days 1-5: $490/day
Days 6+: Fully covered

Days 1-5: $400/day
Days 6+: Fully covered

Days 1-5: $350/day
Days 6+: Fully covered

Outpatient surgeries

$480

$350

$250

Ambulance

$300

$150

$250

U.S. and worldwide urgent care

$40

$40

$40

U.S. and worldwide emergency care

$115

$115

$115

Maximum out-of-pocket

$9,850

$8,500

$7,500

Out-of-network benefit limit

N/A

$3,000

$3,000

Prescription drug benefit highlights
Part D deductible

$700 (Tiers 2-5)

$700 (Tiers 2-5)

$325 (Tiers 3-5)

Prescription drugs
Preferred pharmacy 
(30-day supply)

 

Tier 1: $5   
Tier 2: $15 
Tier 3: 20%
Tier 4: 25%
Tier 5: 25%
 

Tier 1: $4     
Tier 2: $15   
Tier 3: 20%  
Tier 4: 25%  
Tier 5: 25%  
 

Tier 1: $0   
Tier 2: $5   
Tier 3: 20%
Tier 4: 30%
Tier 5: 29%

Prescription drugs
Standard pharmacy
(30-day supply)

Tier 1: $10 
Tier 2: $20 
Tier 3: 25%
Tier 4: 50%
Tier 5: 25%

Tier 1: $9  
Tier 2: $20 
Tier 3: 25%
Tier 4: 40%
Tier 5: 25%

Tier 1: $5   
Tier 2: $10 
Tier 3: 20%
Tier 4: 43%
Tier 5: 29%

Part D maximum out-of-pocket

$2,400

 

 

$2,400

 

$2,400

Additional key benefits and services

Preventive dental

$0
One cleaning, one oral exam, one set of bitewing X-rays

$0
Two cleanings, two oral exams, two sets of bitewing X-rays

$0
Two cleanings, two oral exams, two sets of bitewing X-rays

Comprehensive dental benefit (Covers more extensive services like restorative care or major procedures such as dentures and select crowns)

Purchase up to $1,000 in supplemental annual coverage for $35/month

Purchase up to $1,000 in supplemental annual coverage for $35/month

Purchase up to $1,000 in supplemental annual coverage for $35/month

Annual eyewear allowance

Not included

$200

$200

Routine vision exam

$0

$0

$0

Routine hearing exam

$0 from TruHearing®

$0 from TruHearing®

$0 from TruHearing®

Hearing aids
Standard/advanced/
premium tiers

$299/
$499/
$799
from TruHearing®

$299/
$499/
$799
from TruHearing®

$299/
$499/
$799
from TruHearing®

Fitness benefit

Not included

$0

$0

Meal benefit

No coverage

 

No coverage

14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.

Transportation benefit

No coverage

 

No coverage

12 one-way trips to health related location within 50-mile limit

Cost shares listed for various benefits are applicable to providers within our network unless otherwise noted.
HMO-POS plans provide out-of-network coverage. Out-of-network spend does not apply to maximum out-of-pocket limit.

Before you enroll, download a helpful pre-enrollment checklist to make sure you have all of the information you need to make your decision.

Before you enroll, download a helpful pre-enrollment checklist to make sure you have all of the information you need to make your decision.

2026 Excellus BlueCross BlueShield Medicare Advantage & Prescription Drug Plans


Medicare BlueVital
 (PPO)


 

Medicare
Blue-
Balanced
(PPO)


 

Medicare Blue
Enhanced 
(PPO)


 

Monthly premium

$0

$55

$101.30

Medical de-
ductible

No de-
ductible
 

No deductible
 

No deductible

Pre-
scription de-
ductible

$615 de-
ductible (Tiers 2-5)

$615 deductible (Tiers 2-5)

$275 Deductible (Tiers 3-5)

Annual physicals

$0
 

$0

 

$0

Out-of-network coverage

Urgent/
emer-
gency only








 

Urgent/
emergency only

$3,000 OON (calendar year). Applies to medical not Part D. Once benefit maximum is met, member is liable.

Primary care visits

$10


 

$5


 

$0

Specialist doctor visits

$55


 

$40


 

$30

Dental allowance

Pre-
ventive dental only, optional sup-
plemental buy-up


 

Preventive dental only, optional sup-
plemental buy-up






 

$500 annual allowance IN & OON, will pay up to dental fee schedule, optional supplemental buy-up

Annual eyewear allowance

$250

 

$250

 

$100

Pre-
scription drugs
Preferred pharmacy 
(30-day supply)

 

Tier 1: $5   
Tier 2: $15 
Tier 3: 20%
Tier 4: 25%
Tier 5: 25%
 

Tier 1: $3     
Tier 2: $15   
Tier 3: 22%  
Tier 4: 25%  
Tier 5: 25%  

 

Tier 1: $0   
Tier 2: $5   
Tier 3: 20%
Tier 4: 36%
Tier 5: 29%

Pre-
scription drugs
Standard pharmacy
(30-day supply)

Tier 1: $10 
Tier 2: $20 
Tier 3: 25%
Tier 4: 50%
Tier 5: 25%

Tier 1: $8   
Tier 2: $20 
Tier 3: 25%
Tier 4: 50%
Tier 5: 25%

Tier 1: $5   
Tier 2: $10 
Tier 3: 20%
Tier 4: 50%
Tier 5: 29%

Hospital stays

$475/day for days 1-5 
$0/day after the fifth day.

 

$400/day for days 1-5 
$0/day after the fifth day

$350/Day for days 1-5
$0/Day after the fifth day

Out-
patient surgeries

$450

 

$350

 

$250

World-
wide urgent care

$40


 

$40


 

$40

World-
wide emer-
gency care

$115



 

$115



 

$115

Maximum annual out-of-pocket protection

$9,250 IN (calendar year). applies to medical not part D. After the maximum is met, all claims covered in full.

$8,000 IN (calendar year). Applies to medical not Part D. After the maximum is met, all claims covered in full.

$7,500 IN (calendar year). Applies to medical not Part D. After the maximum is met, all claims covered in full.

Meal benefit

No coverage










 

No coverage

14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.

Trans-
portation benefit

No coverage





 

No coverage

12 one-way trips to health related location within 50-mile limit

IN = in-network; OON = out-of-network

2026 Excellus BlueCross BlueShield Medicare Advantage & Prescription Drug Plans

Medicare Blue Choice® 024 (HMO)
Medicare Blue Choice® 025 (HMO-POS)
Medicare Blue Enhanced (PPO)
Monthly premium

$0

$75.30

$115.30

Medical benefit highlights
Medical deductible

No deductible

No deductible

No deductible

Annual physicals

$0

$0

$0

Primary care visits
Out-of-network coverage

Urgent/
emer-
gency only








 

Urgent/
emergency only

$3,000 OON (calendar year). Applies to medical not Part D. Once benefit maximum is met, member is liable.

$10

$5

$0

Specialist doctor visits

$55

$40

$30

MD Live® Virtual Care Medical appointments, including teledermatology

$10

$5

$0

MD Live® Virtual Care Behavioral health appointments

$55

$40

$30

Hospital stays

Days 1-5: $490/day Days 6+: Fully covered

Days 1-5: $400/day Days 6+: Fully covered

Days 1-5: $350/day Days 6+: Fully covered

Outpatient surgeries

$480

$350

$250

Ambulance

$300

$150

$150

U.S. and worldwide urgent care

$40

$40

$40

U.S. and worldwide emergency care

$115

$115

$115

Maximum out-of-pocket

$9,850

$8,500

$7,500

Out-of-network benefit limit

N/A

$3,000

$3,000

Prescription drug benefit highlights
Part D deductible

$700
(Tiers 2-5)

$700
(Tiers 2-5)

$325
(Tiers 3-5)

Part D deductible

$700
(Tiers 2-5)

$700
(Tiers 2-5)

$325
(Tiers 3-5)

U.S. and worldwide emergency care

$115

$115

$115

Prescription drugs Preferred pharmacy (30-day supply)

Tier 1: $5   
Tier 2: $15 
Tier 3: 20%
Tier 4: 25%
Tier 5: 25%

Tier 1: $4   
Tier 2: $15 
Tier 3: 20%
Tier 4: 25%
Tier 5: 25%

Tier 1: $0   
Tier 2: $5 
Tier 3: 20%
Tier 4: 30%
Tier 5: 29%

Prescription drugs
Standard pharmacy (30-day supply)

Tier 1: $10 
Tier 2: $20 
Tier 3: 25%
Tier 4: 50%
Tier 5: 25%

Tier 1: $8   
Tier 2: $20 
Tier 3: 25%
Tier 4: 50%
Tier 5: 25%

Tier 1: $5   
Tier 2: $10 
Tier 3: 20%
Tier 4: 50%
Tier 5: 29%

Part D maximum out-of-pocket

$2,400

$2,400

$2,400

Additional key benefits and services
Routine hearing exam

$0 from TruHearing®

$0 from TruHearing®

$0 from TruHearing®

Preventive dental

$0 One cleaning, one oral exam, one set of bitewing X-rays

$0 Two cleanings, two oral exams, two sets of bitewing X-rays

$0 Two cleanings, two oral exams, two sets of bitewing X-rays

Comprehensive dental benefit (Cover more extensive services like restorative care or major procedures such as dentures and select crowns)

Purchase up to $1,000 in supplemental annual coverage for $35/month

Purchase up to $1,000 in supplemental annual coverage for $35/month

Purchase up to $1,000 in supplemental annual coverage for $35/month

Annual eyewear allowance

Not included

$200

$200

Routine vision exam

$0

$0

$0

Meal benefit

No coverage










 

No coverage

14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.

Trans-
portation benefit

No coverage





 

No coverage

12 one-way trips to health related location within 50-mile limit

IN = in-network; OON = out-of-network

Before you enroll, download a helpful pre-enrollment checklist to make sure you have all of the information you need to make your decision.

Step 3: Enroll
(starting October 15)

Using your preferred method from the options below, enroll in the best plan for you!

To avoid any lapse in your Medicare Advantage coverage,
be sure to enroll in a new 2027 plan by
December 31, 2026.

Enroll yourself online

If this will be your first time enrolling online, download a step-by-step enrollment tool User Guide for guidance on how to complete your application.

Come back to this page when enrollment opens on October 15, and we will have a direct link to our enrollment website.

Contact your broker

If you work with a broker, reach out to them for helpful enrollment guidance.

Call Excellus BCBS

Give us a call, and we’ll get you enrolled over the phone:
1-866-906-5125 (TTY 711)
October 1 through March 31: 8 a.m. to 8 p.m., seven days a week April 1 through September 30: 8 a.m. to 8 p.m., Monday - Friday

Visit a resource center

We have resource centers located in Liverpool, New Hartford, and Johnson City for in-person support.

Optional dental benefits
Discover additional dental coverage options available as an add-on to your plan.
Ways to enroll

View our quick video to understand the different enrollment methods you can choose from.

2026 drug changes

Learn about Part D prescription drug benefits and costs, and how they may differ next year.

Attend a virtual seminar
Our Medicare experts will walk you through our 2026 plan options.
2026 drug changes

Learn about Part D prescription drug benefits and costs, and how they may differ next year.

To avoid any lapse in your Medicare Advantage coverage, be sure to enroll in a new 2027 plan by December 31, 2026.

Enroll yourself online

If this will be your first time enrolling online, download a step-by-step enrollment tool User Guide for guidance on how to complete your application.

Come back to this page when enrollment opens on October 15, and we will have a direct link to our enrollment website.

Contact your broker

If you work with a broker, reach out to them for helpful enrollment guidance.

Call Excellus BCBS

Give us a call, and we’ll get you enrolled over the phone:
1-866-906-5125 (TTY 711)
October 1 through March 31: 8 a.m. to 8 p.m., seven days a week April 1 through September 30: 8 a.m. to 8 p.m., Monday - Friday

Visit a resource center

We have resource centers located in Liverpool, New Hartford, and Johnson City for in-person support.

Have questions or need help?

Call us at 1-866-906-5125 (TTY 711)
We are available 7 days a week from 8 a.m. to 8 p.m.*
To chat with a licensed agent, click the blue chat box on your screen.
Chat is available Monday through Thursday from 8 a.m. to 8 p.m., and Friday 9 a.m. to 8 p.m.

Schedule a call

KEEP ME INFORMED

Want to learn about Medicare? Sign up to receive your monthly Medicare milestones, showing what you should do now and next, straight to your email inbox.

*From now until March 31. From April 1 to September 30, representatives are available Monday - Friday from 8 a.m. to 8 p.m.

Copyright © 2026 Excellus BlueCross BlueShield, a nonprofit independent licensee of the Blue Cross Blue Shield Association. All rights reserved.

Terms of Use | Web Privacy Policy | Accessibility Statement | Notice of Privacy Practices

Excellus BCBS is an HMO plan with a Medicare contract. Enrollment in Excellus BCBS depends on contract renewal. Cost shares listed for various benefits are applicable to providers within our network unless otherwise noted. Out-of-network/non-contracted providers are under no obligation to treat Excellus BCBS members, except in emergency situations. Please call our Customer Care number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. Please check the Summary of Benefits for full plan details. TruHearing® is an independent company that offers hearing products and services to Excellus BCBS members. Preventive dental services for Medicare Blue Choice® 028 (HMO) include 1 cleaning, 1 oral exam, and 1 set of bitewing X-rays per year. Preventive dental services for Medicare Blue Choice® 029 (HMO-POS) and Medicare Blue Choice® 030 (HMO-POS) include 2 cleanings, 2 oral exams, and 2 sets of bitewing X-rays per year. The Silver&Fit program is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). Please talk with your doctor before starting or changing your exercise routine. All programs and services are not available in all areas. Fitness center participation may vary by location and is subject to change. MD Live is an independent company, offering telehealth services to Excellus BCBS members. MDLIVE Medical Group (DE), P.A, MDLIVE Medical Group, PA and other MD Live related independent professional entities provide the clinical services made available by MD Live. For accommodations of persons with special needs at meetings call 1-866-906-5125 (TTY 711).
 

Submit a complaint about your Medicare plan at www.Medicare.gov or learn about filing a complaint by contacting the Medicare Ombudsman. 

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Date Last Updated 10/01/2026
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