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 have until December 7 during Annual Enrollment, plus a Special Election Period from November 1, 2026 through January 31, 2027. Acting early helps ensure seamless coverage.
Rodney Cummings is an independent Oregon licensed insurance agent. 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.
No Replacement Carrier Has Taken Over
Recent reports indicate the proposed deal to transfer Providence Medicare Advantage members to another carrier did not go through, and Providence is working with regulators on an orderly wind-down. Plan on choosing new coverage yourself — do not wait for an automatic transfer.
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. You also have a Special Election Period from November 1, 2026 through January 31, 2027, but waiting can mean 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. Your Special Election Period runs November 1, 2026 – January 31, 2027 — 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. Available during your Special Election Period (Nov 1, 2026 – Jan 31, 2027).
- ✓ 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, 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 important to act early — AEP ends December 7 and your Special Election Period ends January 31.
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.
Special Election Period begins
Providence members may switch to Original Medicare with a Medicare Supplement and Part D plan with guaranteed issue — no medical underwriting — from November 1, 2026 through January 31, 2027.
AEP closes
December 7 is the end of Annual Enrollment. Your Special Election Period continues after this date, but enrolling by Dec 7 is the surest way to avoid a gap on January 1, 2027.
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 by the end of AEP, you'll have seamless coverage with no gap.
Special Election Period ends
Last day of your Special Election Period with guaranteed issue rights for a Medicare Supplement and Part D plan.
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 while your Special Election Period (Nov 1, 2026 – Jan 31, 2027) is open.
Medicare Consent to Contact — Required
How may Rodney contact you? (check at least one)
By typing my name below and submitting, I give Legacy Wealth Services and its licensed insurance agents permission to contact me by the method(s) selected about Medicare Advantage, Medicare Supplement, and Part D options. This permission expires 12 months from today unless I withdraw it sooner by calling 503-832-8555 or emailing rod@legacywealthservices.com. I am not required to give permission or purchase anything. This is not a Scope of Appointment and does not authorize automated calls or text messages. View full consent form
Your information is private and never sold. Once your consent is recorded, Rodney will reach out within one business day using the method(s) you selected.
Your Independent Licensed Insurance Agent
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.