2026 Medicare Advantage Plans Finder - Compare by ZIP

How to Compare Medicare Advantage Plans by ZIP in 2026

• Start with your ZIP code. This narrows results to plans actually offered in your service area.

• Use side-by-side tools. Compare coverage, drug costs, pharmacies, and networks at a glance.

• Personalize the inputs. Add your doctors, medications, and preferred pharmacies to reveal true costs.

Enter Your ZIP Code

Type your ZIP in a reputable plan finder to unlock all county-specific MA/MAPD options. This ensures you’re reviewing in-market plans with accurate premiums, networks, and extras.

Review Plan Options

Scan each shortlist for:

• Included benefits: dental, vision, hearing, OTC, fitness, transportation.

• Drug coverage: formulary tiers, preferred pharmacies, and mail-order pricing.

• Cost structure: premiums, copays, coinsurance, OOP max.

Check Provider Networks

Confirm your primary care, specialists, and hospitals are in-network for 2026. Staying in the network typically means lower copays and fewer billing surprises.

Available Medicare Advantage Plans for 2026

HMO (Health Maintenance Organization)

• Lowest typical costs; PCP required; referrals for most specialists.

• Best for members whose doctors are solidly in-network.

PPO (Preferred Provider Organization)

• No referrals for specialists; out-of-network allowed (higher cost).

• Great for travelers, snowbirds, or those wanting more provider choice.

SNP (Special Needs Plans)

• Tailored for chronic conditions, dual-eligible (Medicare/Medicaid), or institutional needs.

• Extra coordination, benefits, and care management specific to the population.

Key Benefits You’ll See

Prescription Drug Coverage (Part D)

Most MAPDs include Part D—check formulary status, tiers, prior authorization, and preferred pharmacies to keep medication costs predictable.

Dental, Vision, and Hearing

Many plans add $0 routine exams, allowances for eyewear and hearing aids, and coverage for basic dental (some include major services with caps).

Wellness Programs & Rewards

Look for fitness memberships, OTC credits, nutrition and smoking-cessation programs, and rewards for preventive care.

Eligibility & Enrollment

Who Can Enroll?

You generally need Part A and Part B, live in the plan’s service area, and meet any plan-specific criteria (e.g., SNP eligibility).

Enrollment Periods

• Initial Enrollment Period (IEP): 7-month window around your Part B start.

• Annual Enrollment (AEP): Oct 15–Dec 7, 2026 (changes start Jan 1, 2026).

• MA Open Enrollment (MA OEP): Jan 1–Mar 31 (if already in MA, switch once or return to Original Medicare).

• Special Enrollment Periods (SEPs): Moves, coverage loss, and other life events.

Steps to Enroll

• Enter ZIP, add doctors/medications/pharmacies.

• Shortlist 2–3 plans with the best total cost + network + benefits fit.

• Enroll online or by phone; have your Medicare ID and Part A/B dates handy.

Assess Your Healthcare Needs

List your conditions, routine visits, specialists, preferred hospitals, and prescriptions. Plans that fit your real usage usually save the most.

Compare Plans Head-to-Head

Prioritize:

• Doctors/hospitals in the network

• Drug costs for your exact medications

• Total annual cost (not just premium)

• Extras you’ll actually use

Carrier lineups, drug tiers, and networks shift every year. A quick review now can prevent higher costs later.

👉 Call 1-833-641-4938 to compare local MAPD options side by side with a licensed agent and lock in the right 2026 coverage.

Using your ZIP code is the smartest way to compare 2026 Medicare Advantage plans—it instantly tailors options to your county’s networks, pricing, and benefits.

Focus on in-network providers, your medications, and total annual cost to find the best value. For personalized help, call 1-833-641-4938 and get a custom MAPD comparison for your area.