California › San Bernardino County
Medicare plans in San Bernardino County, California
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in San Bernardino County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (53 plans)
- Part D drug plans (12 plans)
- Special needs plans (40 plans)
- Medicare Advantage without drug coverage (5 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to San Bernardino County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in San Bernardino County
At a glance
- 58 Medicare Advantage plans are open to anyone with Medicare here; 53 charge no monthly premium.
- 20 give back part of your Part B premium, up to $185 a month.
- The lowest yearly limit on what you pay for in-network care is $199.
- 12 Part D drug plans, from $0 to $227.80 a month.
Medicare Advantage plans with drug coverage 53
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Astiva Health Savings Plan (HMO) Astiva Health · H1993-001-000 | HMO | $0/moGives back $185/mo of your Part B premium | $3,045 | 4.0★ |
| Alignment Health smartHMO (HMO) Alignment Health Plan · H3815-013-000 | HMO | $0/moGives back $164.90/mo of your Part B premium | $2,499 | 4.0★ |
| Alignment Health smartSavings (HMO) Alignment Health Plan · H3815-047-000 | HMO | $0/moGives back $150/mo of your Part B premium | $2,899 | 4.0★ |
| Alignment Health ValorCare (HMO) Alignment Health Plan · H3815-053-000 | HMO | $0/moGives back $125/mo of your Part B premium | $6,000 | 4.0★ |
| Central Health Part B Savings Plan (HMO) Central Health Medicare Plan · H5649-029-000 | HMO | $0/moGives back $120/mo of your Part B premium | $2,900 | 3.0★ |
| Clever Care Value (HMO) Clever Care Health Plan · H7607-015-000 | HMO | $0/moGives back $120/mo of your Part B premium | $2,000 | 4.0★ |
| Humana USAA Honor Giveback with Rx (PPO) Humana · H5525-057-000 | PPO | $0/moGives back $82/mo of your Part B premium | $6,400 | 3.5★ |
| Anthem I CareMore Premium Savings (HMO-POS) Anthem Blue Cross Partnership Plan · H4161-012-000 | HMO-POS | $0/moGives back $62.10/mo of your Part B premium | $1,000 | 3.0★ |
| SCAN Venture (HMO) SCAN Health Plan · H5425-085-000 | HMO | $0/moGives back $60/mo of your Part B premium | $1,900 | 4.0★ |
| Humana Gold Plus Giveback H5619-150 (HMO) Humana · H5619-150-000 | HMO | $0/moGives back $59/mo of your Part B premium | $5,000 | 3.0★ |
| Wellcare Giveback (HMO) Wellcare · H5087-032-000 | HMO | $0/moGives back $39/mo of your Part B premium | $6,750 | 3.5★ |
| AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) UnitedHealthcare · H0543-238-000 | HMO-POS | $0/moGives back $35/mo of your Part B premium | $800 | 4.0★ |
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. · H5496-012-000 | HMO | $0/moGives back $35/mo of your Part B premium | $296 | 3.5★ |
| Molina Medicare Choice Care (HMO) Molina Healthcare of California · H5810-014-000 | HMO | $0/moGives back $2/mo of your Part B premium | $3,600 | 3.0★ |
| HumanaChoice H5525-075 (PPO) Humana · H5525-075-000 | PPO | $0/moGives back $1/mo of your Part B premium | $3,850 | 3.5★ |
| Blue Shield 65 Plus (HMO) Blue Shield of California · H0504-017-000 | HMO | $0/mo | $2,900 | 4.0★ |
| Blue Shield 65 Plus Choice Plan (HMO) Blue Shield of California · H0504-040-000 | HMO | $0/mo | $800 | 4.0★ |
| Aetna Medicare Signature (HMO) Aetna Medicare · H0523-022-000 | HMO | $0/mo | $2,000 | 3.0★ |
| Aetna Medicare Prime (HMO-POS) Aetna Medicare · H0523-088-000 | HMO-POS | $0/mo | $299 | 3.0★ |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare · H0523-089-000 | HMO | $0/mo | $799 | 3.0★ |
| Kaiser Permanente Senior Advantage Inland Empire (HMO) Kaiser Permanente · H0524-015-000 | HMO | $0/mo | $1,300 | 4.5★ |
| Kaiser Permanente Sr Advantage Inland Empire Value (HMO) Kaiser Permanente · H0524-081-000 | HMO | $0/mo | $2,500 | 4.5★ |
| AARP Medicare Advantage from UHC CA-006P (HMO-POS) UnitedHealthcare · H0543-170-000 | HMO-POS | $0/mo | $800 | 4.0★ |
| AARP Medicare Advantage from UHC CA-022P (HMO-POS) UnitedHealthcare · H0543-221-000 | HMO-POS | $0/mo | $800 | 4.0★ |
| Anthem I CareMore Medicare Advantage 2 (HMO-POS) Anthem Blue Cross · H0544-002-000 | HMO-POS | $0/mo | $1,500 | 3.0★ |
| Anthem Select (HMO-POS) Anthem Blue Cross · H0544-066-000 | HMO-POS | $0/mo | $1,800 | 3.0★ |
| Wellcare Simple Focus (HMO) Wellcare By Health Net · H0562-126-000 | HMO | $0/mo | $2,000 | 3.5★ |
| Astiva Health Premier Plan (HMO) Astiva Health · H1993-015-000 | HMO | $0/mo | $1,500 | 4.0★ |
| Alignment Health My Choice (HMO) Alignment Health Plan · H3815-001-000 | HMO | $0/mo | $498 | 4.0★ |
| Alignment Health the ONE (HMO) Alignment Health Plan · H3815-034-000 | HMO | $0/mo | $3,400 | 4.0★ |
| Alignment Health My Choice Select (HMO) Alignment Health Plan · H3815-049-000 | HMO | $0/mo | $798 | 4.0★ |
| Alignment Health My Choice CalCare (HMO) Alignment Health Plan · H3815-050-000 | HMO | $0/mo | $3,499 | 4.0★ |
| Alignment Health Honor+ Plan (HMO) Alignment Health Plan · H3815-052-000 | HMO | $0/mo | $9,250 | 4.0★ |
| Anthem Prime (HMO-POS) Anthem Blue Cross Partnership Plan · H4161-002-000 | HMO-POS | $0/mo | $800 | 3.0★ |
| Anthem I CareMore Medicare Advantage (HMO-POS) Anthem Blue Cross Partnership Plan · H4161-013-000 | HMO-POS | $0/mo | $1,000 | 3.0★ |
| Aetna Medicare Signature (HMO) Aetna Medicare · H4982-002-000 | HMO | $0/mo | $799 | 3.0★ |
| Aetna Medicare Prime Extra (HMO-POS) Aetna Medicare · H4982-026-000 | HMO-POS | $0/mo | $299 | 3.0★ |
| SCAN Classic (HMO) SCAN Health Plan · H5425-009-000 | HMO | $0/mo | $399 | 4.0★ |
| SCAN Affirm partnered with Included LGBTQ+ Health (HMO) SCAN Health Plan · H5425-092-000 | HMO | $0/mo | $199 | 4.0★ |
| SCAN MyChoice (HMO) SCAN Health Plan · H5425-108-000 | HMO | $0/mo | $999 | 4.0★ |
| Humana Gold Plus H5619-148 (HMO) Humana · H5619-148-000 | HMO | $0/mo | $2,900 | 3.0★ |
| Humana Gold Plus H5619-178 (HMO) Humana · H5619-178-000 | HMO | $0/mo | $375 | 3.0★ |
| Central Health Medicare Plan (HMO) Central Health Medicare Plan · H5649-001-000 | HMO | $0/mo | $1,100 | 3.0★ |
| Central Health Classic Care Plan I (HMO) Central Health Medicare Plan · H5649-027-000 | HMO | $0/mo | $799 | 3.0★ |
| Champion Ally (HMO) Champion Heath Plan · H6170-007-000 | HMO | $0/mo | $199 | Not yet rated |
| Elite Signature HMO (HMO) Elite Health Plan, Inc. · H6368-001-000 | HMO | $0/mo | $699 | Not yet rated |
| Elite Core HMO (HMO) Elite Health Plan, Inc. · H6368-002-000 | HMO | $0/mo | $1,499 | Not yet rated |
| Clever Care Longevity (HMO) Clever Care Health Plan · H7607-014-000 | HMO | $0/mo | $500 | 4.0★ |
| Aetna Medicare Prime Value Plus (HMO-POS) Aetna Medicare · H4982-022-000 | HMO-POS | $11.50/mo | $599 | 3.0★ |
| AARP Medicare Advantage from UHC CA-0015 (HMO-POS) UnitedHealthcare · H0543-166-000 | HMO-POS | $12/mo | $800 | 4.0★ |
| SCAN Prime (HMO) SCAN Health Plan · H5425-065-000 | HMO | $20/mo | $2,499 | 4.0★ |
| HumanaChoice H5525-074 (PPO) Humana · H5525-074-000 | PPO | $34/mo | $3,400 | 3.5★ |
| Wellcare Low Premium (HMO) Wellcare By Health Net · H0562-137-000 | HMO | $50/mo | $4,150 | 3.5★ |
Part D drug plans 12
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout California.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-158-000 | $0/mo | $615 | 2.5★ |
| Wellcare Value Script (PDP) Wellcare · S4802-163-000 | $5.70/mo | $615 | 3.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-094-000 | $6.20/mo | $615 | 3.5★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-382-000 | $70.60/mo | $615 | 2.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-064-000 | $103.60/mo | $615 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-211-000 | $104.60/mo | $601 | 3★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-376-000 | $109.40/mo | $615 | 2★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-114-000 | $132.20/mo | $615 | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-413-000 | $165.40/mo | $130 | 2★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-178-000 | $172.90/mo | None | 3★ |
| Blue Shield Rx Plus (PDP) Blue Shield of California · S2468-003-000 | $199.70/mo | $615 | 3★ |
| Blue Shield Rx Enhanced (PDP) Blue Shield of California · S2468-004-000 | $227.80/mo | None | 3★ |
Special needs plans 40
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Imperial Senior Value (HMO C-SNP) Imperial Health Plan of California, Inc. · H5496-005-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $25/mo of your Part B premium | $296 | 3.5★ |
| SCAN Embrace (HMO-POS I-SNP) SCAN Health Plan · H5425-091-000 | HMO-POS | Only for people who live in a nursing home, or need that level of care at home | $0/moGives back $21/mo of your Part B premium | $799 | 4.0★ |
| Anthem I CareMore Kidney Care (HMO-POS C-SNP) Anthem Blue Cross · H0544-020-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/moGives back $7/mo of your Part B premium | $1,900 | 3.0★ |
| SCAN Embrace Together (HMO-POS I-SNP) SCAN Health Plan · H5425-132-000 | HMO-POS | Only for people who live in a nursing home, or need that level of care at home | $0/moGives back $1.60/mo of your Part B premium | $9,250 | 4.0★ |
| UHC Complete Care CA-20P (HMO-POS C-SNP) UnitedHealthcare · H0543-219-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $800 | 4.0★ |
| Anthem I CareMore Chronic Care (HMO-POS C-SNP) Anthem Blue Cross · H0544-010-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $1,000 | 3.0★ |
| Anthem I CareMore Lung Care (HMO-POS C-SNP) Anthem Blue Cross · H0544-019-000 | HMO-POS | Only for people with certain chronic conditionsLung | $0/mo | $800 | 3.0★ |
| Wellcare Specialty Simple (HMO C-SNP) Wellcare By Health Net · H0562-092-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,400 | 3.5★ |
| SCAN Connections (HMO D-SNP) SCAN Health Plan · H0976-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 4.0★ |
| SCAN Connections at Home (HMO D-SNP) SCAN Health Plan · H0976-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 4.0★ |
| Astiva Health C-SNP Deluxe (HMO C-SNP) Astiva Health · H1993-007-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $999 | 4.0★ |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of California · H3038-004-002 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 3.0★ |
| Alignment Health Heart & Diabetes (HMO C-SNP) Alignment Health Plan · H3815-010-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $1,499 | 4.0★ |
| Alignment Health Heart & Diabetes Care (HMO C-SNP) Alignment Health Plan · H3815-054-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $990 | 4.0★ |
| Anthem I CareMore Chronic Care 2 (HMO-POS C-SNP) Anthem Blue Cross Partnership Plan · H4161-015-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $800 | 3.0★ |
| Anthem I CareMore Lung Care 2 (HMO-POS C-SNP) Anthem Blue Cross Partnership Plan · H4161-017-000 | HMO-POS | Only for people with certain chronic conditionsLung | $0/mo | $800 | 3.0★ |
| SCAN Strive (HMO C-SNP) SCAN Health Plan · H5425-097-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,250 | 4.0★ |
| SCAN Balance (HMO C-SNP) SCAN Health Plan · H5425-104-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $399 | 4.0★ |
| Central Health Embrace Care Plan (HMO C-SNP) Central Health Medicare Plan · H5649-025-001 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $799 | 3.0★ |
| Central Health Embrace Choice Plan (HMO C-SNP) Central Health Medicare Plan · H5649-026-001 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $7,900 | 3.0★ |
| Champion Advantage (HMO-POS C-SNP) Champion Heath Plan · H6170-001-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $499 | Not yet rated |
| Champion Connect (HMO-POS C-SNP) Champion Heath Plan · H6170-002-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $9,250 | Not yet rated |
| Champion Care (HMO C-SNP) Champion Heath Plan · H6170-008-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $199 | Not yet rated |
| Clever Care Total+ (HMO C-SNP) Clever Care Health Plan · H7607-016-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,250 | 4.0★ |
| Clever Care Breathe+ (HMO C-SNP) Clever Care Health Plan · H7607-017-000 | HMO | Only for people with certain chronic conditionsLung | $0/mo | $9,250 | 4.0★ |
| Kaiser Permanente Dual Complete South P1 (HMO D-SNP) Kaiser Permanente · H8794-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 4.0★ |
| Kaiser Permanente Dual Complete South P6 (HMO D-SNP) Kaiser Permanente · H8794-006-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,250 | 4.0★ |
| Alignment Health Heart & Diabetes Choice (HMO C-SNP) Alignment Health Plan · H3815-051-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0.70/mo | $9,250 | 4.0★ |
| Astiva Health C-SNP WOW (HMO C-SNP) Astiva Health · H1993-008-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $4.40/mo | $9,250 | 4.0★ |
| VillageHealth (HMO-POS C-SNP) VillageHealth · H5943-003-000 | HMO-POS | Only for people with certain chronic conditionsKidney, Transplant | $6.30/mo | $9,250 | Not yet rated |
| Alignment Health BreathEasy (HMO C-SNP) Alignment Health Plan · H3815-041-000 | HMO | Only for people with certain chronic conditionsLung | $12/moGives back $5/mo of your Part B premium | $9,250 | 4.0★ |
| Alignment Health Clarity (HMO C-SNP) Alignment Health Plan · H3815-042-000 | HMO | Only for people with certain chronic conditionsMental health, Substance use | $12/moGives back $5/mo of your Part B premium | $9,250 | 4.0★ |
| Champion Select (HMO-POS C-SNP) Champion Heath Plan · H6170-003-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $8.40/mo | $499 | Not yet rated |
| Alignment Health Heart & Diabetes Access (HMO C-SNP) Alignment Health Plan · H3815-044-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $12/moGives back $1/mo of your Part B premium | $9,250 | 4.0★ |
| UHC Complete Care Support CA-3AP (HMO C-SNP) UnitedHealthcare · H0543-241-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $12/mo | $9,250 | 4.0★ |
| Wellcare Dual Liberty (HMO D-SNP) Wellcare By Health Net · H3561-009-000 | HMO | Only for people who have Medicaid as well as Medicare | $12/mo | $9,250 | 3.5★ |
| Alignment Health Heart & Diabetes CalPlus (HMO C-SNP) Alignment Health Plan · H3815-039-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $12/mo | $9,250 | 4.0★ |
| Champion Choice (HMO C-SNP) Champion Heath Plan · H6170-009-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $12/mo | $9,250 | Not yet rated |
| Champion Plus (HMO C-SNP) Champion Heath Plan · H6170-010-000 | HMO | Only for people with certain chronic conditionsMental health | $12/mo | $9,250 | Not yet rated |
| IEHP DualChoice (HMO D-SNP) IEHP DualChoice · H8894-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $12/mo | $9,250 | 3.0★ |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: AltaMed Health Services Corporation (PACE), AltaMed Health Services Corporation (PACE), WelbeHealth San Bernardino (PACE), WelbeHealth San Bernardino (PACE), WelbeHealth Riverside, Coachella Valley (PACE), WelbeHealth Riverside, Coachella Valley (PACE), Neighborhood Healthcare PACE Dual Eligible (PACE), Neighborhood Healthcare PACE Medicare Only (PACE), InnovAge California PACE (PACE), InnovAge California PACE (PACE), High Desert PACE (PACE), High Desert PACE (PACE), Loma Linda University Health (PACE), Loma Linda University Health PACE (PACE).
Medicare Advantage plans without drug coverage 5
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| Central Health Valor Care Plan (HMO) Central Health Medicare Plan · H5649-030-000 | HMO | $0/moGives back $79/mo of your Part B premium | $4,400 | 3.0★ |
| Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. · H5496-016-000 | HMO | $0/moGives back $75/mo of your Part B premium | $2,999 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H5525-078-000 | PPO | $0/moGives back $75/mo of your Part B premium | $6,750 | 3.5★ |
| Humana USAA Honor Giveback (HMO) Humana · H5619-121-000 | HMO | $0/moGives back $65/mo of your Part B premium | $5,250 | 3.0★ |
| AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) UnitedHealthcare · H0543-121-000 | HMO-POS | $0/moGives back $25/mo of your Part B premium | $4,900 | 4.0★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $191–$563/mo from 16 companies, at age 65.
- Plan N: $146–$415/mo from 15 companies, at age 65.
Discussion
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