Reviewed by Scott Lewis, licensed insurance agent · Last reviewed September 27, 2026
CMS has confirmed the national Part D benefit parameters for 2027. Those numbers are important, but they do not tell you which Bend-area plan will cover your prescriptions at the lowest total cost. Formularies, tiers, pharmacy pricing, premiums, and utilization rules remain plan-specific.
Standard deductible
$700
Up from $615 in 2026. A plan may charge less or apply the deductible differently by drug tier.
Annual out-of-pocket threshold
$2,400
Up from $2,100 in 2026. This is the 2027 threshold for covered Part D drug costs counted under Medicare rules.
Fifteen negotiated drugs take effect in 2027
The negotiated prices under the second cycle of Medicare's Drug Price Negotiation Program take effect January 1, 2027. CMS reports discounts ranging from 38% to 85% compared with the selected drugs' 2024 list prices and estimates about $685 million in beneficiary out-of-pocket savings during 2027.
The published negotiated amount is not automatically your pharmacy copay. Your cost still depends on whether the drug is covered, the plan's benefit design, the fill, and where you are in the Part D benefit.
What is still pending for Bend and Oregon
- Which standalone Part D and Medicare Advantage drug plans are offered at your ZIP code.
- Each plan's final premium, formulary, tiers, deductible design, and pharmacy network.
- Prior authorization, step therapy, and quantity limits for your prescriptions.
- Your own estimated annual cost and whether you qualify for Extra Help.
As of September 27, 2026, CMS' public landscape page still identifies the 2026 landscape file. We will update our Bend 2027 Medicare tracker when official 2027 county files are posted.
A better way to compare Part D plans
- List every prescription, strength, quantity, and refill frequency.
- Add your preferred Bend-area pharmacy and one practical alternative.
- Compare estimated annual cost, not premium alone.
- Check whether each drug is covered and which restrictions apply.
- Review again before enrolling because plan data can be corrected.
See our main Medicare Part D guide for Bend and Oregon Extra Help and Medicare Savings Program guide.
Sources and verification
We use primary sources and link to the current page so you can verify details before making a coverage decision.
- 2027 Medicare Advantage and Part D rate announcement — Centers for Medicare & Medicaid Services
- 2027 Part D national average monthly bid information — Centers for Medicare & Medicaid Services
- Selected drugs and negotiated prices effective in 2027 — Centers for Medicare & Medicaid Services
- Medicare Advantage and Part D landscape files — Centers for Medicare & Medicaid Services
- Medicare Plan Compare — Centers for Medicare & Medicaid Services