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Medicare plans in Orange County, California

2027 plans. Other years: 2026 · 2027

Where to start

This page lists every Medicare plan sold in Orange County for 2027, 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.

  1. Medicare Advantage with drug coverage (57 plans)
  2. Part D drug plans (10 plans)
  3. Special needs plans (49 plans)
  4. Medicare Advantage without drug coverage (5 plans)
  5. 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 Orange 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…

No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Orange County

At a glance

Medicare Advantage plans with drug coverage 57

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.

Medicare Advantage plans with drug coverage in Orange County, 2027
Plan Network Premium Out-of-pocket limit Stars
Astiva Health Savings Plan (HMO) Astiva Health · H1993-001-000 HMO $0/moGives back $186/mo of your Part B premium $3,450 4.0★
Alignment Health Smart 013 (HMO) Alignment Health Plan · H3815-013-000 HMO $0/moGives back $150/mo of your Part B premium $2,499 3.5★
Alignment Health Smart 047 (HMO) Alignment Health Plan · H3815-047-000 HMO $0/moGives back $146/mo of your Part B premium $2,899 3.5★
Clever Care Value (HMO) Clever Care Health Plan · H7607-015-000 HMO $0/moGives back $120/mo of your Part B premium $1,999 4.5★
Alignment Health ValorCare 053 (HMO) Alignment Health Plan · H3815-053-000 HMO $0/moGives back $119/mo of your Part B premium $6,000 3.5★
Humana Gold Plus Giveback H5619-146 (HMO) Humana · H5619-146-000 HMO $0/moGives back $84/mo of your Part B premium $2,700 4.0★
Anthem I CareMore Premium Savings (HMO-POS) Anthem Blue Cross Partnership Plan · H4161-012-000 HMO-POS $0/moGives back $62/mo of your Part B premium $1,000 3.0★
Humana USAA Honor Giveback with Rx (PPO) Humana · H5525-057-000 PPO $0/moGives back $55/mo of your Part B premium $6,400 4.0★
AARP Medicare Advantage Giveback from UHC CA-31P (HMO-POS) UnitedHealthcare · H0543-237-000 HMO-POS $0/moGives back $40/mo of your Part B premium $800 3.0★
SCAN Venture (HMO) SCAN Health Plan · H5425-084-000 HMO $0/moGives back $33/mo of your Part B premium $1,000 4.0★
Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. · H5496-012-000 HMO $0/moGives back $15/mo of your Part B premium $295 4.0★
AARP Medicare Advantage from UHC CA-005P (HMO-POS) UnitedHealthcare · H0543-169-000 HMO-POS $0/moGives back $10/mo of your Part B premium $800 3.0★
AARP Medicare Advantage from UHC CA-021P (HMO-POS) UnitedHealthcare · H0543-220-000 HMO-POS $0/moGives back $10/mo of your Part B premium $800 3.0★
Blue Shield 65 Plus (HMO) Blue Shield of California · H0504-015-000 HMO $0/mo $1,300 4.0★
Blue Shield 65 Plus Plan 2 (HMO) Blue Shield of California · H0504-021-000 HMO $0/mo $1,850 4.0★
Blue Shield Inspire (HMO) Blue Shield of California · H0504-043-000 HMO $0/mo $499 4.0★
Blue Shield Advantage (HMO) Blue Shield of California · H0504-054-000 HMO $0/mo $299 4.0★
Aetna Medicare Prime (HMO) Aetna Medicare · H0523-073-000 HMO $0/mo $599 3.0★
Aetna Medicare Signature Extra (HMO) Aetna Medicare · H0523-086-000 HMO $0/mo $599 3.0★
Kaiser Permanente Senior Advantage LA, Orange Co. (HMO) Kaiser Permanente · H0524-003-000 HMO $0/mo $999 4.5★
Kaiser Permanente Sr Advantage LA, Orange Value (HMO) Kaiser Permanente · H0524-078-000 HMO $0/mo $2,900 4.5★
AARP Medicare Advantage from UHC CA-46 (HMO-POS) UnitedHealthcare · H0543-262-000 HMO-POS $0/mo $2,900 3.0★
Anthem I CareMore Medicare Advantage 2 (HMO-POS) Anthem Blue Cross · H0544-002-000 HMO-POS $0/mo $1,500 3.5★
Anthem Select (HMO-POS) Anthem Blue Cross · H0544-058-000 HMO-POS $0/mo $800 3.5★
Anthem Medicare Advantage (HMO-POS) Anthem Blue Cross · H0544-061-000 HMO-POS $0/mo $7,550 3.5★
Wellcare Simple Focus (HMO) Wellcare · H0562-125-000 HMO $0/mo $3,200 3.5★
Advantage Care (HMO) Align Senior Care · H3274-005-000 HMO $0/mo $2,900 Not yet rated
Humana Gold Plus H3767-002 (HMO) Humana · H3767-002-000 HMO $0/mo $999 Not yet rated
Alignment Health My Choice 001 (HMO) Alignment Health Plan · H3815-001-000 HMO $0/mo $550 3.5★
Alignment Health Platinum + Instacart 008 (HMO) Alignment Health Plan · H3815-008-000 HMO $0/mo $499 3.5★
Alignment Health My Choice 050 (HMO) Alignment Health Plan · H3815-050-000 HMO $0/mo $3,499 3.5★
Anthem Prime (HMO-POS) Anthem Blue Cross Partnership Plan · H4161-009-000 HMO-POS $0/mo $800 3.0★
Anthem I CareMore Medicare Advantage (HMO-POS) Anthem Blue Cross Partnership Plan · H4161-011-000 HMO-POS $0/mo $1,000 3.0★
Aetna Medicare Signature (HMO) Aetna Medicare · H4982-001-000 HMO $0/mo $599 2.5★
Wellcare Simple (HMO) Wellcare · H5087-005-000 HMO $0/mo $4,500 3.5★
SCAN Classic (HMO) SCAN Health Plan · H5425-007-000 HMO $0/mo $399 4.0★
SCAN Costco Medicare Advantage (HMO) SCAN Health Plan · H5425-141-000 HMO $0/mo $299 4.0★
CareMore Health Plan by SCAN (HMO) SCAN Health Plan · H5425-152-000 HMO $0/mo $299 4.0★
SCAN Baekse (HMO) SCAN Health Plan · H5425-155-000 HMO $0/mo $499 4.0★
SCAN Inclusive (HMO) SCAN Health Plan · H5425-158-000 HMO $0/mo $999 4.0★
SCAN Select (HMO) SCAN Health Plan · H5425-159-000 HMO $0/mo $6,700 4.0★
HumanaChoice H5525-075 (PPO) Humana · H5525-075-000 PPO $0/mo $4,350 4.0★
Humana Gold Plus H5619-021 (HMO) Humana · H5619-021-000 HMO $0/mo $799 4.0★
Blue Shield AdvantageOptimum Plan (HMO) Blue Shield of California · H5928-004-000 HMO $0/mo $3,600 3.5★
Champion Ally (HMO) Champion Heath Plan · H6170-007-000 HMO $0/mo $499 Not yet rated
Champion Anwell (HMO) Champion Heath Plan · H6170-018-000 HMO $0/mo $499 Not yet rated
Central Health Harmony 001 (HMO) Alignment Health Plan · H6697-001-000 HMO $0/mo $498 Not yet rated
Alignment Health Platinum Preferred 004 (HMO) Alignment Health Plan · H6697-004-000 HMO $0/mo $999 Not yet rated
Clever Care Longevity (HMO) Clever Care Health Plan · H7607-014-000 HMO $0/mo $499 4.5★
Alignment Health Honor Plus 060 (HMO) Alignment Health Plan · H3815-060-000 HMO $7.30/mo $9,850 3.5★
Aetna Medicare Signature Legacy (HMO) Aetna Medicare · H0523-022-000 HMO $10/mo $2,000 3.0★
SCAN Inspired by women for women (HMO) SCAN Health Plan · H5425-100-000 HMO $15/mo $999 4.0★
SCAN Prime (HMO) SCAN Health Plan · H5425-065-000 HMO $20/mo $2,499 4.0★
Wellcare Low Premium (HMO) Wellcare · H0562-136-000 HMO $42/mo $4,150 3.5★
AARP Medicare Advantage from UHC CA-33P (HMO-POS) UnitedHealthcare · H0543-254-000 HMO-POS $46/mo $800 3.0★
HumanaChoice H5525-074 (PPO) Humana · H5525-074-000 PPO $49/mo $3,650 4.0★
Alignment Health Platinum Preferred+ 005 (HMO) Alignment Health Plan · H6697-005-000 HMO $99/mo $1,499 Not yet rated

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Part D drug plans 10

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.

Part D drug plans in Orange County, 2027
Plan Premium Drug deductible Stars
Wellcare Value Script (PDP) Wellcare · S4802-163-000 $5.30/mo $700 3★
Wellcare Classic (PDP) Wellcare · S4802-094-000 $7.30/mo $700 3★
HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-049-000 $9.30/mo $700 2.5★
Humana Basic Rx Plan (PDP) Humana · S5884-114-000 $118.30/mo $700 4.5★
Humana Value Rx Plan (PDP) Humana · S5884-211-000 $130.30/mo $687 4.5★
AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-376-000 $170.80/mo $700 3★
Humana Premier Rx Plan (PDP) Humana · S5884-178-000 $191.20/mo $350 4.5★
Blue Shield Rx Plus (PDP) Blue Shield of California · S2468-003-000 $210/mo $700 2.5★
AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-413-000 $242.60/mo $300 3★
Blue Shield Rx Enhanced (PDP) Blue Shield of California · S2468-004-000 $252.60/mo $200 2.5★

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Special needs plans 49

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.

Special needs plans in Orange County, 2027
Plan Network Who can join Premium Out-of-pocket limit Stars
Anthem I CareMore Home Care (HMO I-SNP) Anthem Blue Cross · H0544-005-000 HMO Only for people who live in a nursing home, or need that level of care at home $0/moGives back $22/mo of your Part B premium $700 3.5★
Central Health Harmony Plus 002 (HMO C-SNP) Alignment Health Plan · H6697-002-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $7.30/moGives back $25/mo of your Part B premium $9,850 Not yet rated
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 $12/mo of your Part B premium $295 4.0★
UHC Complete Care CA-19P (HMO-POS C-SNP) UnitedHealthcare · H0543-218-000 HMO-POS Only for people with certain chronic conditionsDiabetes, Heart $0/moGives back $7/mo of your Part B premium $800 3.0★
Alignment Health BreathEasy Plus 041 (HMO C-SNP) Alignment Health Plan · H3815-041-000 HMO Only for people with certain chronic conditionsLung $0/moGives back $1/mo of your Part B premium $9,850 3.5★
Alignment Health Heart & Diabetes Plus 044 (HMO C-SNP) Alignment Health Plan · H3815-044-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/moGives back $1/mo of your Part B premium $9,850 3.5★
Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · H0523-096-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $299 3.0★
UHC Complete Care Support CA-2AP (HMO C-SNP) UnitedHealthcare · H0543-240-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $9,850 3.0★
Anthem I CareMore Chronic Care (HMO-POS C-SNP) Anthem Blue Cross · H0544-004-000 HMO-POS Only for people with certain chronic conditionsDiabetes, Heart $0/mo $800 3.5★
Anthem I CareMore Lung Care (HMO-POS C-SNP) Anthem Blue Cross · H0544-014-000 HMO-POS Only for people with certain chronic conditionsLung $0/mo $499 3.5★
Anthem I CareMore Kidney Care (HMO-POS C-SNP) Anthem Blue Cross · H0544-015-000 HMO-POS Only for people with certain chronic conditionsKidney $0/mo $800 3.5★
Wellcare Specialty Simple (HMO C-SNP) Wellcare · H0562-092-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $1,000 3.5★
Astiva Health C-SNP Deluxe (HMO C-SNP) Astiva Health · H1993-007-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $2,000 4.0★
Astiva Health C-SNP WOW (HMO C-SNP) Astiva Health · H1993-008-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $9,250 4.0★
Astiva Health C-SNP Fountain (HMO C-SNP) Astiva Health · H1993-019-000 HMO Only for people with certain chronic conditionsKidney $0/mo $2,000 4.0★
Astiva Health C-SNP Bloom (HMO C-SNP) Astiva Health · H1993-020-000 HMO Only for people with certain chronic conditionsLung $0/mo $2,000 4.0★
Premier Care (HMO I-SNP) Align Senior Care · H3274-002-000 HMO Only for people who live in a nursing home, or need that level of care at home $0/mo $1,900 Not yet rated
Wellcare Health Net Dual Liberty (HMO D-SNP) Wellcare · H3561-009-000 HMO Only for people who have Medicaid as well as Medicare $0/mo $9,850 3.5★
Alignment Health Heart & Diabetes 010 (HMO C-SNP) Alignment Health Plan · H3815-010-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $1,900 3.5★
Alignment Health Balance 033 (HMO C-SNP) Alignment Health Plan · H3815-033-000 HMO Only for people with certain chronic conditionsKidney $0/mo $1,499 3.5★
Alignment Health Heart & Diabetes 054 (HMO C-SNP) Alignment Health Plan · H3815-054-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $990 3.5★
Anthem I CareMore Chronic Care 2 (HMO-POS C-SNP) Anthem Blue Cross Partnership Plan · H4161-014-000 HMO-POS Only for people with certain chronic conditionsDiabetes, Heart $0/mo $499 3.0★
Anthem I CareMore Lung Care 2 (HMO-POS C-SNP) Anthem Blue Cross Partnership Plan · H4161-016-000 HMO-POS Only for people with certain chronic conditionsLung $0/mo $499 3.0★
SCAN Balance (HMO C-SNP) SCAN Health Plan · H5425-034-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $199 4.0★
SCAN Embrace (HMO I-SNP) SCAN Health Plan · H5425-087-000 HMO Only for people who live in a nursing home, or need that level of care at home $0/mo $799 4.0★
SCAN Strive (HMO C-SNP) SCAN Health Plan · H5425-097-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $9,850 4.0★
SCAN Embrace Together (HMO I-SNP) SCAN Health Plan · H5425-131-000 HMO Only for people who live in a nursing home, or need that level of care at home $0/mo $9,850 4.0★
SCAN DaVita Dialysis Care Complete (HMO-POS C-SNP) VillageHealth · H5943-003-000 HMO-POS Only for people with certain chronic conditionsKidney, Transplant $0/mo $9,850 Not yet rated
SCAN DaVita Dialysis Care (HMO-POS C-SNP) VillageHealth · H5943-005-000 HMO-POS Only for people with certain chronic conditionsKidney, Transplant $0/mo $2,950 Not yet rated
Champion Advantage (HMO-POS C-SNP) Champion Heath Plan · H6170-001-000 HMO-POS Only for people with certain chronic conditionsKidney $0/mo $999 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 $9,850 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 $499 Not yet rated
Champion Compass (HMO C-SNP) Champion Heath Plan · H6170-015-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $999 Not yet rated
Champion Home (HMO C-SNP) Champion Heath Plan · H6170-016-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $9,850 Not yet rated
Champion Secure (HMO C-SNP) Champion Heath Plan · H6170-017-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $9,850 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 $9,850 4.5★
Clever Care Breathe+ (HMO C-SNP) Clever Care Health Plan · H7607-017-000 HMO Only for people with certain chronic conditionsLung $0/mo $9,850 4.5★
Clever Care Total Choice+ (HMO C-SNP) Clever Care Health Plan · H7607-018-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0/mo $499 4.5★
Clever Care Breathe Select+ (HMO C-SNP) Clever Care Health Plan · H7607-019-000 HMO Only for people with certain chronic conditionsLung $0/mo $499 4.5★
Kaiser Permanente Dual Complete South P10 (HMO D-SNP) Kaiser Permanente · H8794-010-000 HMO Only for people who have Medicaid as well as Medicare $0/mo $9,850 4.5★
Alignment Health Heart & Diabetes 051 (HMO C-SNP) Alignment Health Plan · H3815-051-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $0.10/mo $9,850 3.5★
Champion Choice (HMO C-SNP) Champion Heath Plan · H6170-009-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $2.60/mo $9,850 Not yet rated
Imperial Flex (HMO C-SNP) Imperial Health Plan of California, Inc. · H5496-017-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $2.70/mo $9,850 4.0★
Alignment Health Clarity Plus 042 (HMO C-SNP) Alignment Health Plan · H3815-042-000 HMO Only for people with certain chronic conditionsMental health, Substance use $7.30/moGives back $1/mo of your Part B premium $9,850 3.5★
Senior Care (HMO I-SNP) Align Senior Care · H3274-001-000 HMO Only for people who live in a nursing home, or need that level of care at home $7.30/mo $9,850 Not yet rated
Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) Alignment Health Plan · H3815-039-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $7.30/mo $9,850 3.5★
SCAN Ansim Care (HMO C-SNP) SCAN Health Plan · H5425-156-000 HMO Only for people with certain chronic conditionsDiabetes, Heart $7.30/mo $9,850 4.0★
CalOptima Health OneCare Complete (HMO D-SNP) CalOptima Health OneCare · H5433-001-000 HMO Only for people who have Medicaid as well as Medicare $7.30/mo $9,850 3.5★
Champion Plus (HMO C-SNP) Champion Heath Plan · H6170-010-000 HMO Only for people with certain chronic conditionsMental health $7.30/mo $9,850 Not yet rated

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), CalOptima Health PACE (PACE), CalOptima Health PACE (PACE), Innovative Integrated Health (PACE), Innovative Integrated Health (PACE).

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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.

Medicare Advantage plans without drug coverage in Orange County, 2027
Plan Network Premium Out-of-pocket limit Stars
Humana USAA Honor Giveback (PPO) Humana · H5525-078-000 PPO $0/moGives back $90/mo of your Part B premium $6,750 4.0★
Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. · H5496-016-000 HMO $0/moGives back $85/mo of your Part B premium $2,999 4.0★
Humana USAA Honor Giveback (HMO) Humana · H5619-121-000 HMO $0/moGives back $45/mo of your Part B premium $5,250 4.0★
Aetna Medicare Eagle (HMO) Aetna Medicare · H0523-099-000 HMO $0/moGives back $40/mo of your Part B premium $4,450 3.0★
AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS) UnitedHealthcare · H0543-121-000 HMO-POS $0/moGives back $25/mo of your Part B premium $5,900 3.0★

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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.

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