California › Stanislaus County
Medicare plans in Stanislaus County, California
2027 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Stanislaus 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.
- Medicare Advantage with drug coverage (18 plans)
- Part D drug plans (10 plans)
- Special needs plans (15 plans)
- Medicare Advantage without drug coverage (3 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 Stanislaus 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 Stanislaus County
At a glance
- 21 Medicare Advantage plans are open to anyone with Medicare here; 11 charge no monthly premium.
- 5 give back part of your Part B premium, up to $108 a month.
- The lowest yearly limit on what you pay for in-network care is $295.
- 10 Part D drug plans, from $5.30 to $252.60 a month.
Medicare Advantage plans with drug coverage 18
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 |
|---|---|---|---|---|
| Alignment Health Smart 040 (HMO) Alignment Health Plan · H3815-040-000 | HMO | $0/moGives back $108/mo of your Part B premium | $3,999 | 3.5★ |
| 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★ |
| Alignment Health + AllCare Preferred 011 (HMO) Alignment Health Plan · H3815-011-000 | HMO | $0/mo | $1,999 | 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 · H4161-005-000 | HMO-POS | $0/mo | $1,200 | 3.0★ |
| SCAN Classic (HMO) SCAN Health Plan · H5425-069-000 | HMO | $0/mo | $999 | 4.0★ |
| SCAN Costco Medicare Advantage (HMO) SCAN Health Plan · H5425-137-000 | HMO | $0/mo | $999 | 4.0★ |
| Humana Gold Plus H5619-191 (HMO) Humana · H5619-191-003 | HMO | $0/mo | $4,000 | 4.0★ |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan · H3815-060-000 | HMO | $7.30/mo | $9,850 | 3.5★ |
| Alignment Health Balance Plus 004 (PPO) Alignment Health Plan · H8832-004-000 | PPO | $7.30/mo | $9,850 | 4.0★ |
| Kaiser Permanente Senior Advantage Basic Stanis (HMO) Kaiser Permanente · H0524-041-000 | HMO | $25/mo | $4,900 | 4.5★ |
| HumanaChoice H5525-080 (PPO) Humana · H5525-080-000 | PPO | $53/mo | $5,900 | 4.0★ |
| Blue Shield Inspire (HMO) Blue Shield of California · H0504-047-000 | HMO | $61/mo | $5,100 | 4.0★ |
| Sutter Senior Advantage, a SCAN Medicare Plan (HMO) SCAN Health Plan · H5425-125-000 | HMO | $67/mo | $4,450 | 4.0★ |
| Alignment Health Advantage 001 (PPO) Alignment Health Plan · H8832-001-000 | PPO | $70/mo | $4,451 | 4.0★ |
| Kaiser Permanente Senior Advantage Enhanced Stanis (HMO) Kaiser Permanente · H0524-040-000 | HMO | $89/mo | $2,500 | 4.5★ |
| Alignment Health Balance 006 (PPO) Alignment Health Plan · H4961-006-000 | PPO | $93/mo | $2,850 | 4.5★ |
| Alignment Health My Choice 001 (PPO) Alignment Health Plan · H4961-001-000 | PPO | $149/mo | $4,200 | 4.5★ |
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.
| 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★ |
Special needs plans 15
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 $12/mo of your Part B premium | $295 | 4.0★ |
| 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★ |
| Wellcare Health Net Dual Align (HMO D-SNP) Wellcare · H3561-010-002 | 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 Heart & Diabetes 048 (HMO C-SNP) Alignment Health Plan · H3815-048-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $1,990 | 3.5★ |
| Anthem Kidney Care (PPO C-SNP) Anthem Blue Cross and Blue Shield · H4909-030-000 | PPO | Only for people with certain chronic conditionsKidney | $0/mo | $9,850 | 3.0★ |
| SCAN Balance (HMO C-SNP) SCAN Health Plan · H5425-070-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $1,200 | 4.0★ |
| SCAN Strive (HMO C-SNP) SCAN Health Plan · H5425-098-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.0★ |
| Kaiser Permanente Dual Complete North P20 (HMO D-SNP) Kaiser Permanente · H8794-020-000 | 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★ |
| 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★ |
| Alignment Health Duals+ 030 (HMO D-SNP) Alignment Health Plan · H3815-030-000 | HMO | Only for people who have Medicaid as well as Medicare | $7.30/mo | $9,850 | 3.5★ |
| 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★ |
| HPSJ/MVHP Advantage D-SNP (HMO D-SNP) Health Plan of San Joaquin / Mountain Valley Health Plan Advantage D-SNP (HMO) · H5734-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $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: Central Valley PACE - Dual Eligible (PACE), Central Valley PACE - Medicare Only (PACE), WelbeHealth Stockton, Modesto, Elk Grove (PACE), WelbeHealth Stockton, Modesto, Elk Grove (PACE).
Medicare Advantage plans without drug coverage 3
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 |
|---|---|---|---|---|
| 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 (PPO) Humana · H5525-079-000 | PPO | $0/moGives back $75/mo of your Part B premium | $6,500 | 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★ |
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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