Medicare Advantage Plans in San Bernardino County, CA:
Your Complete 2027 Guide
San Bernardino County, CA offers 49 Medicare Advantage plans in 2027. This includes 44 with $0 monthly premiums. Currently, about 142,107 beneficiaries in the County are enrolled, and 48% of available plans have a 4-star rating or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for San Bernardino County, CA here. For a broader view beyond Medicare Advantage, see all Medicare coverage options in San Bernardino County.
Page last revised:
Enrollment data refreshed: October 5, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans offer flexibility by allowing you to see both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs may appeal to people who want more choice in doctors and hospitals.
- Total PPO Plans 4
- Average Premium $12.25/mo
- Beneficiaries Enrolled 2,080
- $0 Premium PPOs 3
- Average MOOP $5,288
- Most Popular PPO HumanaChoice H5525-075 (PPO) with 786 enrollees
- PPOs Without Drug Coverage 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5525 078 0 | |
| Humana USAA Honor Giveback with Rx | $0 | $6,400 | $700 | H5525 057 0 | |
| HumanaChoice H5525-074 | $49 | $3,650 | $700 | H5525 074 0 | |
| HumanaChoice H5525-075 | $0 | $4,350 | $700 | H5525 075 0 |
What is the most popular PPO plan in San Bernardino?
HumanaChoice H5525-075 (PPO) is the top PPO in San Bernardino, with 786 enrollees.
What is the number of PPO plans without Part D coverage in San Bernardino?
There are 1 PPO plans in San Bernardino without prescription drug coverage.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 35
- Average Premium
- $2.41/mo
- Beneficiaries Enrolled
- 104,470
- $0 Premium HMOs
- 31
- Average MOOP
- $2,249
- Most Popular HMO
- Kaiser Permanente Senior Advantage Inland Empire (HMO) with 42,617 enrollees
- HMOs Without Drug Coverage
- 2
What is the typical premium for HMO plans in San Bernardino?
On average, HMO plans in San Bernardino cost $2.41 per month.
Which HMO plan do most beneficiaries choose in San Bernardino?
The leading HMO in San Bernardino is Kaiser Permanente Senior Advantage Inland Empire (HMO), with 42,617 members.
How many HMO options are offered without prescription drug coverage in San Bernardino?
There are 2 HMO plans available in San Bernardino without Part D benefits.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 10
- Average Premium $0.00/mo
- Beneficiaries Enrolled 35,557
- $0 Premium HMO-POS 10
- Average MOOP $1,600
- Most Popular HMO-POS AARP Medicare Advantage from UHC CA-006P (HMO-POS) with 22,868 enrollees
- HMO-POS Without Drug Coverage 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Anthem I CareMore Medicare Advantage 2 | $0 | $1,500 | $85 | H0544 002 0 | |
| Anthem Select | $0 | $1,800 | $100 | H0544 066 0 | |
| AARP Medicare Advantage from UHC CA-0015 | $0 | $999 | $595 | H0543 166 0 | |
| AARP Medicare Advantage from UHC CA-006P | $0 | $999 | $595 | H0543 170 0 | |
| AARP Medicare Advantage from UHC CA-022P | $0 | $999 | $595 | H0543 221 0 | |
| AARP Medicare Advantage Giveback from UHC CA-32P | $0 | $999 | $685 | H0543 238 0 | |
| AARP Medicare Advantage Patriot No Rx CA-MA1P | $0 | $5,900 | N/A | H0543 121 0 | |
| Anthem I CareMore Medicare Advantage | $0 | $1,000 | $145 | H4161 013 0 | |
| Anthem I CareMore Premium Savings | $0 | $1,000 | $145 | H4161 012 0 | |
| Anthem Prime | $0 | $800 | $270 | H4161 002 0 |
What is the total number of HMO-POS plans in San Bernardino?
In 2027, San Bernardino has 10 HMO-POS plans, with 35,557 enrollees.
How much do HMO-POS plans cost on average in San Bernardino?
The mean monthly HMO-POS premium is $0.00, and 10 have no premium.
The table below shows the quality ratings for Medicare Advantage plans offered in San Bernardino County, CA for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 22 | 48% |
| 3 Stars | 21 | 46% |
| Below 3 Stars | 3 | 7% |
| Not Rated | 3 | 6% |
| Average Rating | 3.6 | |
For residents of San Bernardino County, signing up for a Medicare Advantage plan isn’t just about benefits—it’s about timing. Learning the key enrollment periods ensures you don’t lose access to the coverage that works best for you.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at 1-833-748-3201 (TTY 711), available Mon-Fri 8AM-10PM, Sat 9AM-8PM EST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Rancho Cucamonga, Chino, Chino Hills, Ontario, Montclair, Upland, Earp, Joshua Tree, Morongo Valley, Twentynine Palms, Yucca Valley, Landers, Adelanto, Apple Valley, Fort Irwin, Barstow, Grand Terrace, Big Bear City, Big Bear Lake, Bloomington, Cedar Glen, Cedarpines Park, Colton, Crestline, Fontana, Helendale, Hesperia, Highland, Hinkley, Lake Arrowhead, Loma Linda, Lucerne Valley, Mentone, Needles, Newberry Springs, Oro Grande, Phelan, Pinon Hills, Redlands, Rialto, Running Springs, Sugarloaf, Twin Peaks, Victorville, Wrightwood, Yermo, Yucaipa, San Bernardino, Trona, and all other areas of San Bernardino County, California. For a broader view of coverage choices across the state, see Medicare plan options in California.
Plans Offered through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2027 Medicare Advantage plans available in San Bernardino County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.