Your Providence Medicare Advantage Plan
Is Ending. Here's What to Do Next.
Providence Health Plan is discontinuing its Medicare Advantage plans effective January 1, 2027. As a current member, you have options — and you need to act before December 7, 2026 to ensure seamless coverage.
Rodney Cummings is an independent Oregon Medicare advisor. He works with no single carrier — so you get an honest comparison of every option available in your zip code. His guidance is free.
What Happened with Providence?
In May 2026, Providence Health Plan announced it is exiting most of its health insurance lines of business. For Medicare Advantage members specifically:
Coverage Through Dec 31, 2026
Your current Providence Medicare Advantage plan remains fully active through the end of 2026. Nothing changes until January 1, 2027.
Possible Transition Arrangement
Providence has stated it is working on a potential agreement with a national carrier to allow some members to retain coverage in 2027. However, this has not been confirmed and members should not rely on it.
You Should Have Received Notice
CMS requires insurers to notify members when their plan is being discontinued. If you haven't received formal notice yet, expect it before the Annual Enrollment Period opens October 15.
You Must Act During AEP
The Annual Enrollment Period (October 15 – December 7, 2026) is your window to choose a new plan for January 1, 2027. Miss this window and you may face a gap in coverage.
You Have Guaranteed Issue Rights — This Is Big.
When a Medicare Advantage plan leaves the market, affected members receive guaranteed issue rights for Medicare Supplement (Medigap) plans. This means insurance companies cannot deny you coverage or charge you higher premiums due to pre-existing conditions — even if you've had health issues in the past. This is a rare and valuable right that normally only applies when you first turn 65. Don't let it expire without exploring your options.
Your Three Options for 2027 Coverage
Rodney will walk you through all three — comparing costs, networks, and coverage in your specific zip code.
Switch to a New Medicare Advantage Plan
Replace your Providence plan with another Medicare Advantage plan available in your area. Plans from carriers like Kaiser, Regence, Aetna, Humana, and UnitedHealthcare may be available in your zip code.
- ✓ Often $0 monthly premium
- ✓ Bundles medical + drug coverage
- ✓ Extra benefits (dental, vision, hearing)
- ✓ Network-based — verify your doctors
Best if: you want low/no premium and are comfortable with a network plan.
Return to Original Medicare + Supplement (Medigap)
Because Providence is leaving the market, you have guaranteed issue rights — meaning you can enroll in a Medigap plan at standard rates with no health questions, regardless of your medical history. Paired with a standalone Part D drug plan.
- ✓ See ANY doctor that accepts Medicare
- ✓ No network restrictions — nationwide
- ✓ Predictable out-of-pocket costs
- ✓ Guaranteed issue right active NOW
- ✓ Plans G and N most popular in Oregon
Best if: you want maximum flexibility, travel, or see specialists frequently.
Do Nothing — Not Recommended
If you take no action before December 7, 2026, you will be automatically disenrolled from your Providence plan on December 31, 2026. You won't have Medicare Advantage coverage starting January 1, 2027.
- ✗ You fall back to Original Medicare only
- ✗ No drug coverage (Part D) unless enrolled
- ✗ Significant out-of-pocket exposure
- ✗ May face Part D late enrollment penalty
This is why it's critical to act before December 7.
Your Critical Dates
Review your options
Speak with Rodney to understand which plan type fits your doctors, prescriptions, and budget. Waiting costs nothing — but missing the deadline does.
Annual Enrollment Period opens
AEP begins October 15, 2026. This is your window to switch to a new Medicare Advantage plan OR enroll in a Medicare Supplement + Part D.
AEP CLOSES — Hard Deadline
December 7 is the last day to make a plan change that takes effect January 1, 2027. Miss this and you may be without coverage.
Providence coverage ends
Your Providence Medicare Advantage plan terminates. If you have not enrolled in a new plan, you revert to Original Medicare only.
New coverage begins
Your new plan takes effect. If you enrolled during AEP, you'll have seamless coverage with no gap.
Let Rodney Review Your Options at No Cost
Tell us a little about your situation and Rodney will compare every available plan in your zip code — Medicare Advantage, Supplement, and Part D — and help you make the right decision before the December 7 deadline.
Your information is private and never sold. Rodney will reach out within one business day.
Your Independent Medicare Advisor
Rodney Cummings, RSSA®
As an independent broker, Rodney is not tied to any single insurance company — meaning he compares plans from every carrier available in your area and recommends the one that's genuinely best for you. His compensation comes from the carrier you choose, not from you, so there's no cost for his guidance.
Common Questions from Providence Members
Don't Wait Until December — Act Now.
The best plans fill up. The best rates lock in early. And Rodney's calendar has limited availability during AEP. Schedule your free review now.
Not affiliated with Providence Health Plan or the federal Medicare program. Rodney Cummings, OR License #18847712. This page is for informational purposes. Coverage options vary by zip code. Contact Rodney for a personalized review.