Medicare Advantage Plans in San Joaquin County, CA:
Your Complete 2025 Guide
San Joaquin County, CA offers 29 Medicare Advantage plans in 2025. This includes 19 with $0 monthly premiums. Currently, about 42,732 beneficiaries in the County are enrolled, and 32% 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 Joaquin County, CA here.
Page last revised:
Enrollment data refreshed: September 16, 2025
* 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 8
- Average Premium $28.76/mo
- Beneficiaries Enrolled 2,215
- $0 Premium PPOs 3
- Average MOOP $5,600
- Most Popular PPO Alignment Health My Choice (PPO) with 618 enrollees
- PPOs Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Aetna Medicare Core | $0 | $5,900 | $590 | |
| Aetna Medicare Core II | $46 | $4,900 | $590 | |
| Aetna Medicare Eagle Plus | $0 | $6,750 | N/A | |
| Alignment Health Balance | $41 | $2,850 | $0 | |
| Alignment Health My Choice | $89 | $4,200 | $0 | |
| Humana USAA Honor Giveback | $0 | $6,500 | N/A | |
| HumanaChoice H5525-080 | $31 | $5,900 | $0 | |
| Alignment Health Freedom | $23 | $7,800 | $590 |
What is the most popular PPO plan in San Joaquin?
Alignment Health My Choice (PPO) is the top PPO in San Joaquin, with 618 enrollees.
What is the number of PPO plans without Part D coverage in San Joaquin?
There are 2 PPO plans in San Joaquin 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
- 15
- Average Premium
- $13.13/mo
- Beneficiaries Enrolled
- 38,275
- $0 Premium HMOs
- 12
- Average MOOP
- $3,976
- Most Popular HMO
- Kaiser Permanente Senior Advantage Basic SnJoaq (HMO) with 12,313 enrollees
- HMOs Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Kaiser Permanente Senior Advantage Basic SnJoaq | $0 | $4,400 | $0 | |
| Kaiser Permanente Senior Advantage Enhanced SnJoaq | $60 | $2,500 | $0 | |
| Alignment Health Heroes+ | $0 | $5,900 | $590 | |
| Alignment Health My Choice CalPlus | $0 | $3,499 | $0 | |
| Blue Shield Inspire | $38 | $5,700 | $0 | |
| Humana Community | $0 | $2,500 | $0 | |
| Humana Gold Plus H5619-026 | $99 | $6,350 | $590 | |
| Imperial Courage Plan | $0 | $2,999 | N/A | |
| Imperial Dynamic Plan | $0 | $297 | $0 | |
| Imperial Giveback | $0 | $9,350 | $590 | |
| Imperial Traditional | $0 | $1,499 | $0 | |
| Wellcare Simple | $0 | $4,150 | $420 | |
| Central Health Classic Care Plan II | $0 | $2,499 | $100 | |
| Central Health Premier Plan I | $0 | $2,999 | $100 | |
| Central Health Valor Care Plan | $0 | $4,999 | N/A |
What is the typical premium for HMO plans in San Joaquin?
On average, HMO plans in San Joaquin cost $13.13 per month.
Which HMO plan do most beneficiaries choose in San Joaquin?
The leading HMO in San Joaquin is Kaiser Permanente Senior Advantage Basic SnJoaq (HMO), with 12,313 members.
How many HMO options are offered without prescription drug coverage in San Joaquin?
There are 2 HMO plans available in San Joaquin 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 6
- Average Premium $5.42/mo
- Beneficiaries Enrolled 2,242
- $0 Premium HMO-POS 4
- Average MOOP $2,775
- Most Popular HMO-POS AARP Medicare Advantage from UHC CA-011P (HMO-POS) with 971 enrollees
- HMO-POS Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC CA-011P | $0 | $4,100 | $340 | |
| AARP Medicare Advantage from UHC CA-034P | $24 | $3,900 | $340 | |
| Aetna Medicare Select | $0 | $2,000 | $590 | |
| Aetna Medicare Value Plus | $9 | $2,000 | $250 | |
| Anthem Medicare Advantage | $0 | $3,450 | $0 | |
| Anthem Prime | $0 | $1,200 | $0 |
What is the total number of HMO-POS plans in San Joaquin?
In 2025, San Joaquin has 6 HMO-POS plans, with 2,242 enrollees.
How much do HMO-POS plans cost on average in San Joaquin?
The mean monthly HMO-POS premium is $5.42, and 4 have no premium.
The table below shows the quality ratings for Medicare Advantage plans offered in San Joaquin County, CA for 2025.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 9 | 32% |
| 3 Stars | 16 | 57% |
| Below 3 Stars | 3 | 11% |
| Not Rated | 1 | 3% |
| Average Rating | 3.55 | |
For residents of San Joaquin 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 HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, 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 Stockton, Acampo, French Camp, Linden, Lockeford, Lodi, Woodbridge, Tracy, Escalon, Lathrop, Manteca, Ripon, Thornton, and all other areas of San Joaquin County, California.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 13, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed September 13, 2025
- CMS.gov, Plan Benefits Package — Last accessed September 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed September 16, 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 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
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 managed by David Bynon, Medicare Analyst.