About

PERACare Changes for 2027

As part of our ongoing commitment to our retirees, we carefully select carrier partners based on their ability to deliver exceptional customer service, ensure continuity of care, provide strong provider networks, and offer reliable, easy-to-navigate coverage that meets the unique needs of our retirees.

PERACare health carriers will be changing for 2027. Kaiser will continue to be offered, but UnitedHealthcare and UMR will no longer be available. While many plan details are still being finalized, we want to give you an early heads-up, so you know what to expect before Open Enrollment begins.

What Do I Need to Do Now?

You do not need to take action at this time.

While details are still being finalized we want to assure you that you will have plenty of time to review your options before making any decisions. Complete plan information, premiums, provider directories, and covered drug lists will be available in October before Open Enrollment officially begins on October 19. PERA staff does not yet have additional details beyond what is shared below but rest assured that we will provide plenty of information and guidance before any decisions need to be made.

2027 Plan Changes Overview

Current Plan	2027 Update	What You Need to Know
UnitedHealthcare Medicare Advantage (MA #1 and MA #2)	UnitedHealthcare Medicare Advantage (MA #1 and MA #2) Changing to Humana Medicare Advantage	– Medical and prescription drug coverage will be administered by Humana. – Deductibles, copays, and coinsurance are expected to remain the same. – Current enrollees will automatically be enrolled in the corresponding Humana plan; no action is required.
Moda Medicare Companion Plan	New plan option for 2027	– A new Medicare Companion plan administered by Moda Health will be available. – Although the term Companion plan may be new, it is a group-sponsored plan designed to work alongside Original Medicare similar to a Medicare Supplement (Medigap) Plan G. – Moda Health is a Portland, Oregon–based health insurance company with Medicare plan experience. – No medical underwriting is required to enroll in this plan. – Members who wish to enroll in this plan must complete an enrollment form during Open Enrollment.
UMR National PPO	Changing to Anthem National PPO	– Anthem will administer the health and prescription benefits for this plan. – The plan will continue to be a nationwide PPO with a broad provider network. – Deductibles, copays, and coinsurance are expected to remain the same. – Current enrollees will automatically transition to the Anthem PPO plan; no action is required.
UMR Select Colorado	Changing to Anthem Pathway PPO	– Anthem will administer the health and prescription benefits for this plan using their Pathway network. – The plan will be available to all retirees residing in Colorado, expanding coverage beyond the 14 counties currently served by the UMR plan. – Deductibles, copays, and coinsurance are expected to remain the same. – Current enrollees will automatically transition to the Anthem Pathway plan; no action is required.
Kaiser EDCP	Plan discontinued for 2027	– Kaiser EDCP will no longer be offered in 2027. – Current enrollees will automatically transition to the Kaiser DEDHMO plan.

When Will I Learn More?

Watch for additional information in October 2026, including:

Detailed plan information and benefits
Premium rates for 2027
Prescription drug coverage details and lookup tools
Provider network information and provider search tools
Open Enrollment webinars with carriers and educational resources

Information will be mailed to currently enrolled retirees in early October and posted on the PERA website on October 1.

Other Coverage

There are no changes to the dental or vision carriers for 2027.

Open Enrollment