Medicare Advantage plans in Effingham, GA, 2027
Effingham, Georgia has 31 Medicare Advantage plans open to everyone for 2027 (35 in 2026) and 29 special needs plans, according to the CMS landscape files; 22 of the open plans have a $0 premium. 9 plans that served the county in 2026 end or leave it, with 917 members living here in September 2026.
What changes in Effingham for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 35 | 31 | ▼down 4 |
| Special needs plans | 27 | 29 | ▲up 2 |
| Plans with a $0 premium | 27 | 22 | ▼down 5 |
| Plans that lower the Part B premium | 12 | 12 | no change |
| Median out-of-pocket limit | $9,250 | $9,850 | ▲up $600 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Effingham join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana USAA Honor GivebackH5216-217 · PPO | $0 | $6,700 | $70 | 3.5 of 5 |
| AARP Medicare Advantage from UHC GA-10H5322-053 · HMO-POS | $0 | $7,150 | none | 4 of 5 |
| HumanaChoiceR0110-019 · Regional PPO | $0 | $7,200 | none | 3.5 of 5 |
| Devoted Choice 010 GAH5453-010 · PPO | $0 | $7,850 | none | not rated (too new) |
| Aetna Medicare Eagle Extra PlusH2293-009 · PPO | $0 | $8,900 | none | 4 of 5 |
| Aetna Medicare Eagle PlusH3288-034 · PPO | $0 | $8,900 | none | 3.5 of 5 |
| Devoted Choice Giveback Extras 024 GAH5453-024 · PPO | $0 | $8,900 | $85 | not rated (too new) |
| AARP Medicare Advantage Patriot No Rx GA-MA01H1889-022 · PPO | $0 | $9,250 | $160 | 4 of 5 |
| Anthem VeteranH5422-014 · HMO-POS | $0 | $9,250 | $60 | 3.5 of 5 |
| Devoted Choice MA Only 003 GAH5453-003 · PPO | $0 | $9,250 | $184.70 | not rated (too new) |
| Anthem VeteranH4036-040 · PPO | $0 | $9,850 | $155 | 4 of 5 |
| Clover Health LiveHealthyH5141-026 · PPO | $0 | $9,850 | none | 4.5 of 5 |
| Clover Health ValorH5141-056 · PPO | $0 | $9,850 | $140 | 4.5 of 5 |
| Clover Health LiveHealthy GivebackH5141-063 · PPO | $0 | $9,850 | $110 | 4.5 of 5 |
| HumanaChoice GivebackH5216-154 · PPO | $0 | $9,850 | $47 | 3.5 of 5 |
| HumanaChoiceH5216-157 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana USAA Honor GivebackH5216-286 · PPO | $0 | $9,850 | $150 | 3.5 of 5 |
| HumanaChoiceH5216-421 · PPO | $0 | $9,850 | none | 3.5 of 5 |
| Devoted Choice Giveback 011 GAH5453-011 · PPO | $0 | $9,850 | $164.80 | not rated (too new) |
| HumanaChoiceH7617-093 · PPO | $0 | $9,850 | none | 4.5 of 5 |
Show the other 11 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Humana USAA Honor GivebackH7617-096 · PPO | $0 | $9,850 | $150 | 4.5 of 5 |
| UHC Medicare Advantage Patriot No Rx GS-MA01R2604-005 · Regional PPO | $0 | $9,850 | none | 4 of 5 |
| HumanaChoiceH5216-280 · PPO | $6.30 | $9,850 | none | 3.5 of 5 |
| HumanaChoiceH7617-114 · PPO | $13 | $9,850 | none | 4.5 of 5 |
| HumanaChoiceH5216-466 · PPO | $25 | $9,850 | none | 3.5 of 5 |
| Aetna Medicare Value PlusH2293-033 · PPO | $25.40 | $9,850 | none | 4 of 5 |
| UHC Medicare Advantage GA-2H1889-013 · PPO | $35 | $9,250 | none | 4 of 5 |
| Clover Health LiveHealthy PremierH5141-045 · PPO | $35 | $9,850 | none | 4.5 of 5 |
| Aetna Medicare EnhancedH3288-042 · PPO | $53 | $9,850 | none | 3.5 of 5 |
| Anthem Medicare Advantage 2H5422-020 · HMO-POS | $55 | $9,850 | none | 3.5 of 5 |
| Humana Full AccessR0110-020 · Regional PPO | $138 | $9,850 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Effingham in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Aetna Medicare EliteH2293-031 | 509 | Leaves the county |
| Aetna Medicare SignatureH5302-023 | 135 | Not offered |
| Anthem Medicare AdvantageH5422-011 | 116 | Not offered |
| HealthSpring PreferredH0439-013 | 108 | Not offered |
| Anthem Extra HelpH5422-013 | 26 | Not offered |
| HealthSpring True ChoiceH7849-145 | 23 | Leaves the county |
| HealthSpring TotalCareH0439-002 | fewer than 11 | Leaves the county |
| HealthSpring TotalCare PlusH0439-012 | fewer than 11 | Leaves the county |
| Anthem Medicare Advantage 2H4036-030 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| PruittHealth Premier AdvantageH3291-003 | Institutional | $0 |
| Anthem Kidney CareH5422-015 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice Giveback Extras 020 GAH5453-020 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Choice Enhanced 017 GAH5453-017 | Chronic or Disabling Condition | $0 |
| UHC Complete Care GA-3H1889-020 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Dual Extra CareH2293-002 | Dual-Eligible | $0 |
| UHC Dual Complete GA-Q2H3256-005 | Dual-Eligible | $0 |
| PruittHealth Premier D-SNPH3291-002 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH4141-003 | Dual-Eligible | $0 |
| Humana Gold Plus SNP-DEH4141-024 | Dual-Eligible | $0 |
| Humana Together in HealthH5216-242 | Institutional | $0 |
| HumanaChoice: Diabetes and HeartH5216-246 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Dual Extra CareH5302-012 | Dual-Eligible | $0 |
| Aetna Medicare Full Dual CareH5302-024 | Dual-Eligible | $0 |
| UHC Dual Complete GA-S3H5322-049 | Dual-Eligible | $0 |
| UHC Dual Complete GA-Q3H5322-050 | Dual-Eligible | $0 |
| Anthem Dual AdvantageH5422-018 | Dual-Eligible | $0 |
| Anthem Full Dual AdvantageH5422-019 | Dual-Eligible | $0 |
| Devoted C-SNP Choice Plus 016 GAH5453-016 | Chronic or Disabling Condition | $0 |
| Humana Together in HealthH7617-130 | Institutional | $0 |
Show the other 9 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Georgia Health Advantage ChoiceH8093-002 | Institutional | $0 |
| Humana Dual SelectH5216-206 | Dual-Eligible | $0.40 |
| Aetna Medicare Dual CareH2293-004 | Dual-Eligible | $1.80 |
| UHC Complete Care Support GS-1AR2604-002 | Chronic or Disabling Condition | $2.10 |
| UHC Complete Care Support GA-9H1889-028 | Chronic or Disabling Condition | $6.30 |
| UHC Dual Advantage GA-V1H3256-006 | Dual-Eligible | $6.30 |
| UHC Dual Complete GA-S2H3256-004 | Dual-Eligible | $6.30 |
| PruittHealth PremierH3291-001 | Institutional | $6.30 |
| Georgia Health AdvantageH8093-001 | Institutional | $6.30 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Effingham use Medicare Advantage?
6,454 of the county's 12,082 people with Medicare were in a Medicare Advantage plan in September 2026, 53.4%; in Georgia as a whole the share is 56.2%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in GeorgiaEvery county of the state
- 9 stand-alone drug plans in GeorgiaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027