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 Cayuga, Oneida, Onondaga, & Oswego Counties, NY
3 simple steps to finding
your new plan for 2027
Enroll
Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a lapse in coverage.
Enroll
Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a laps in coverage.
Enroll
Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a lapse in coverage.
Enroll
Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a laps in coverage.
Enroll
Enrollment opens on October 15. Be sure to enroll in a new plan by December 31 to avoid a lapse in coverage.
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
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.
Attend a virtual
seminar
Our Medicare experts will walk you through our 2027 plan options, benefits, and enrollment details during this informative virtual seminar.
Understanding HMO
and HMO-POS plans
Learn how the new plan types available for 2027 may feel very similar to the care experience you have today.
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.
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 2026.
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.
Medicare BlueActive
Medicare BlueEssential
Your recommended plan
for 2027 is
Medicare Blue Choice® 024 (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 BlueClassic
Your recommended plan
for 2027 is
Medicare Blue Choice® 025 (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® 026 (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® 024
(HMO)
Medicare Blue Choice® 025
(HMO-POS)
Medicare Blue Choice® 026
(HMO-POS)
$0
$75.30
$115.30
No deductible
No deductible
No deductible
$0
$0
$0
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.
$10
$5
$0
$55
$40
$30
Medical appointments, including teledermatology
$10
$5
$0
$55
$40
$30
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
$480
$350
$250
$300
$150
$150
$40
$40
$40
$115
$115
$115
$9,850
$8,500
$7,500
N/A
$3,000
$3,000
$700 (Tiers 2-5)
$700 (Tiers 2-5)
$325 (Tiers 3-5)
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%
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: 50%
Tier 5: 25%
Tier 1: $5
Tier 2: $10
Tier 3: 20%
Tier 4: 41%
Tier 5: 29%
$2,400
$2,400
$2,400
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
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
Not included
$200
$200
$0
$0
$0
$0 from TruHearing®
$0 from TruHearing®
$0 from TruHearing®
$299/$499/$799 from TruHearing®
$299/$499/$799 from TruHearing®
$299/$499/$799 from TruHearing®
Not included
$0
$0
No coverage
No coverage
14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.
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)
$0
$75.30
$115.30
No deductible
No deductible
No deductible
$0
$0
$0
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.
$10
$5
$0
$55
$40
$30
$10
$5
$0
$55
$40
$30
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
$480
$350
$250
$300
$150
$150
$40
$40
$40
$115
$115
$115
$9,850
$8,500
$7,500
N/A
$3,000
$3,000
$700 (Tiers 2-5)
$700 (Tiers 2-5)
$325 (Tiers 3-5)
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%
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%
$2,400
$2,400
$2,400
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
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
Not included
$200
$200
$0
$0
$0
$0 from TruHearing®
$0 from TruHearing®
$0 from TruHearing®
Standard/advanced/
premium tiers
$299/$499/$799 from TruHearing®
$299/$499/$799 from TruHearing®
$299/$499/$799 from TruHearing®
Not included
$0
$0
No coverage
No coverage
14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.
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® 024
(HMO)
Medicare
Blue Choice® 025
(HMO-POS)
Medicare
Blue Choice® 026
(HMO-POS)
$0
$75.30
$115.30
No deductible
No deductible
No deductible
$0
$0
$0
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.
$10
$5
$0
$55
$40
$30
$10
$5
$0
$55
$40
$30
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
$480
$350
$250
$300
$150
$150
$40
$40
$40
$115
$115
$115
$9,850
$8,500
$7,500
N/A
$3,000
$3,000
$700 (Tiers 2-5)
$700 (Tiers 2-5)
$325 (Tiers 3-5)
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%
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: 50%
Tier 5: 25%
Tier 1: $5
Tier 2: $10
Tier 3: 20%
Tier 4: 41%
Tier 5: 29%
$2,400
$2,400
$2,400
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
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
Not included
$200
$200
$0
$0
$0
$0 from TruHearing®
$0 from TruHearing®
$0 from TruHearing®
Standard/advanced/
premium tiers
$299/
$499/
$799
from TruHearing®
$299/
$499/
$799
from TruHearing®
$299/
$499/
$799
from TruHearing®
Not included
$0
$0
No coverage
No coverage
14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.
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)
$0
$55
$101.30
ductible
No de-
ductible
No deductible
No deductible
scription de-
ductible
$615 de-
ductible (Tiers 2-5)
$615 deductible (Tiers 2-5)
$275 Deductible (Tiers 3-5)
$0
$0
$0
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
$55
$40
$30
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
$250
$250
$100
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%
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%
$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
patient surgeries
$450
$350
$250
wide urgent care
$40
$40
$40
wide emer-
gency care
$115
$115
$115
$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.
No coverage
No coverage
14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.
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
$0
$75.30
$115.30
No deductible
No deductible
No deductible
$0
$0
$0
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
$55
$40
$30
$10
$5
$0
$55
$40
$30
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
$480
$350
$250
$300
$150
$150
$40
$40
$40
$115
$115
$115
$9,850
$8,500
$7,500
N/A
$3,000
$3,000
$700
(Tiers 2-5)
$700
(Tiers 2-5)
$325
(Tiers 3-5)
$700
(Tiers 2-5)
$700
(Tiers 2-5)
$325
(Tiers 3-5)
$115
$115
$115
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%
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%
$2,400
$2,400
$2,400
$0 from TruHearing®
$0 from TruHearing®
$0 from TruHearing®
$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
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
Not included
$200
$200
$0
$0
$0
No coverage
No coverage
14 meals, 7-day period. After discharge from an acute inpatient or skilled nursing facility stay. No annual limit.
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.
To avoid any lapse in your Medicare Advantage coverage,
be sure to enroll in a new 2027 plan by December 31, 2026.
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.
If you work with a broker, reach out to them for helpful enrollment guidance.
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
We have resource centers located in Liverpool, New Hartford, and Johnson City for in-person support.
Discover more
View our quick video to understand the different enrollment methods you can choose from.
View video
Learn about Part D prescription drug benefits and costs, and how they may differ next year.
Learn more
Sign up
Discover More
View our quick video to understand the different enrollment methods you can choose from.
View Video
Learn about Part D prescription drug benefits and costs, and how they may differ next year.
Learn More
Sign Up
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.
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.
KEEP ME INFORMED
*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® 024 (HMO) include 1 cleaning, 1 oral exam, and 1 set of bitewing X-rays per year. Preventive dental services for Medicare Blue Choice® 025 (HMO-POS) and Medicare Blue Choice® 026 (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.
Date Last Updated 10/01/2026
