Best Medicare Advantage Plans in Riverside County, CA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Riverside County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Riverside County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Imperial Dynamic Plan (HMO)Imperial Health Plan of California, Inc. · HMO51 of 55 counties · drug deductible $0Part B giveback $15/mo · Dental up to $4,500/yr · eyewear $500/yr · hearing aids $500/yr · OTC items $480/yr | $0−$15 Part B giveback | $295 | $115 | 4★ |
| 2 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $299 | $299 | 3★ |
| 3 | Aetna Medicare Prime Extra (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $299 | $299 | 2.5★ |
| 4 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental · eyewear $100/yr · OTC items $260/yr | $0 | $399 | $399 | 4★ |
| 5 | SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental up to $2,000/yr · OTC items $460/yr | $0 | $399 | $399 | 4★ |
| 6 | Champion Ally (HMO)Champion Heath Plan · HMO9 of 55 counties · drug deductible $0Dental up to $3,000/yr · eyewear $350/yr · OTC items $900/yr | $0 | $499 | $499 | Not rated |
| 7 | Clever Care Longevity (HMO)Clever Care Health Plan · HMO5 of 55 counties · drug deductible $0Dental up to $2,500/yr · eyewear $300/yr · hearing aids $600/yr per ear | $0 | $499 | $499 | 4.5★ |
| 8 | Elite Signature HMO (HMO)Elite Health Plan, Inc. · HMO3 of 55 counties · drug deductible $0Dental up to $2,000/yr · eyewear $250/yr | $0 | $500 | $500 | Too new to rate |
| 9 | AARP Medicare Advantage Giveback from UHC CA-32P (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $685Part B giveback $40/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$40 Part B giveback | $999 | $519 | 3★ |
| 10 | Alignment Health My Choice 001 (HMO)Alignment Health Plan · HMO4 of 55 counties · drug deductible $0Dental · eyewear $200/yr · OTC items $240/yr | $0 | $550 | $550 | 3.5★ |
| 11 | Elite Core HMO (HMO)Elite Health Plan, Inc. · HMO3 of 55 counties · drug deductible $150Part B giveback $154/mo · Dental up to $600/yr · eyewear $100/yr | $0−$154 Part B giveback | $2,400 | $552 | Too new to rate |
| 12 | Clever Care Value (HMO)Clever Care Health Plan · HMO5 of 55 counties · drug deductible $0Part B giveback $120/mo · Dental up to $1,000/yr · eyewear $200/yr · hearing aids $600/yr per ear | $0−$120 Part B giveback | $1,999 | $559 | 4.5★ |
| 13 | Aetna Medicare Prime Value Plus (HMO)Aetna Medicare · HMO3 of 55 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $599 | $599 | 2.5★ |
| 14 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $600Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $599 | $599 | 2.5★ |
| 15 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $599 | $599 | 3★ |
| 16 | Alignment Health Smart 013 (HMO)Alignment Health Plan · HMO5 of 55 counties · drug deductible $0Part B giveback $150/mo · Dental · eyewear $200/yr | $0−$150 Part B giveback | $2,499 | $699 | 3.5★ |
| 17 | Humana Gold Plus H5619-178 (HMO)Humana · HMO2 of 55 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $799 | $799 | 4★ |
| 18 | Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS2 of 55 counties · drug deductible $270Dental up to $350/yr · eyewear $50/yr · hearing aids $1,000/yr · OTC items $60/yr | $0 | $800 | $800 | 3★ |
| 19 | AARP Medicare Advantage from UHC CA-022P (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $595Part B giveback $13/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$13 Part B giveback | $999 | $843 | 3★ |
| 20 | AARP Medicare Advantage from UHC CA-006P (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $595Part B giveback $12/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$12 Part B giveback | $999 | $855 | 3★ |
| 21 | Blue Shield 65 Plus Choice Plan (HMO)Blue Shield of California · HMO2 of 55 counties · drug deductible $390Dental · eyewear $175/yr · OTC items $180/yr | $0 | $950 | $950 | 4★ |
| 22 | AARP Medicare Advantage from UHC CA-0015 (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $595Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $999 | $999 | 3★ |
| 23 | SCAN Inclusive (HMO)SCAN Health Plan · HMO4 of 55 counties · drug deductible $250Dental · eyewear $100/yr · OTC items $100/yr | $0 | $999 | $999 | 4★ |
| 24 | Wellcare Simple Focus (HMO)Wellcare · HMO2 of 55 counties · drug deductible $700Dental | $0 | $1,000 | $1,000 | 3.5★ |
| 25 | Alignment Health Smart 047 (HMO)Alignment Health Plan · HMO5 of 55 counties · drug deductible $700Part B giveback $146/mo · Dental · eyewear $200/yr | $0−$146 Part B giveback | $2,899 | $1,147 | 3.5★ |
| 26 | Astiva Health Savings Plan (HMO)Astiva Health · HMO5 of 55 counties · drug deductible $0Part B giveback $186/mo · Dental up to $1,000/yr · eyewear $62/yr · hearing aids $500/yr per ear | $0−$186 Part B giveback | $3,450 | $1,218 | 4★ |
| 27 | SCAN Venture (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $370Part B giveback $38/mo · Dental · eyewear $100/yr · OTC items $200/yr | $0−$38 Part B giveback | $1,900 | $1,444 | 4★ |
| 28 | Anthem Select (HMO-POS)Anthem Blue Cross · HMO-POS2 of 55 counties · drug deductible $100Dental up to $500/yr · eyewear $75/yr · hearing aids $1,000/yr · OTC items $60/yr | $0 | $1,800 | $1,800 | 3.5★ |
| 29 | SCAN Desert Choice (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental up to $4,000/yr · eyewear $100/yr · OTC items $100/yr | $0 | $2,050 | $2,050 | 4★ |
| 30 | Aetna Medicare Signature Legacy (HMO)Aetna Medicare · HMO6 of 55 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $1,250/yr per ear | $10 | $2,000 | $2,120 | 3★ |
| 31 | Kaiser Permanente Senior Advantage Inland Empire (HMO)Kaiser Permanente · HMO2 of 55 counties · drug deductible $0Dental · OTC items $160/yr | $0 | $2,500 | $2,500 | 4.5★ |
| 32 | Blue Shield 65 Plus (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $390eyewear $175/yr | $0 | $2,800 | $2,800 | 4★ |
| 33 | Advantage Care (HMO)Align Senior Care · HMO3 of 55 counties · drug deductible $150Dental up to $2,200/yr · eyewear $225/yr | $0 | $2,900 | $2,900 | Not rated |
| 34 | Humana Gold Plus H5619-191 (HMO)Humana · HMO8 of 55 counties · drug deductible $200Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,200 | $3,200 | 4★ |
| 35 | Alignment Health My Choice 050 (HMO)Alignment Health Plan · HMO19 of 55 counties · drug deductible $0Dental up to $1,200/yr · eyewear $200/yr · OTC items $1,080/yr | $0 | $3,499 | $3,499 | 3.5★ |
| 36 | HumanaChoice H5525-074 (PPO)Humana · PPO4 of 55 counties · drug deductible $700Dental up to $4,000/yr · eyewear $250/yr | $49 | $3,650 | $4,238 | 4★ |
| 37 | HumanaChoice H5525-075 (PPO)Humana · PPO4 of 55 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $4,350 | $4,350 | 4★ |
| 38 | Kaiser Permanente Sr Advantage Inland Empire Value (HMO)Kaiser Permanente · HMO2 of 55 counties · drug deductible $0Dental · eyewear $125/yr · hearing aids $333/yr per ear · OTC items $240/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 39 | Humana Gold Plus Giveback H5619-150 (HMO)Humana · HMO7 of 55 counties · drug deductible $700Part B giveback $42/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$42 Part B giveback | $5,000 | $4,496 | 4★ |
| 40 | Alignment Health ValorCare 053 (HMO)Alignment Health Plan · HMO5 of 55 counties · drug deductible $0Part B giveback $119/mo · Dental up to $2,000/yr · eyewear $300/yr · OTC items $240/yr | $0−$119 Part B giveback | $6,000 | $4,572 | 3.5★ |
| 41 | Wellcare Low Premium (HMO)Wellcare · HMO4 of 55 counties · drug deductible $700Dental | $47 | $4,500 | $5,064 | 3.5★ |
| 42 | Humana USAA Honor Giveback with Rx (PPO)Humana · PPO5 of 55 counties · drug deductible $700Part B giveback $55/mo · Dental up to $750/yr · eyewear $250/yr | $0−$55 Part B giveback | $6,400 | $5,740 | 4★ |
| 43 | Alignment Health Honor Plus 060 (HMO)Alignment Health Plan · HMO23 of 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr · OTC items $1,164/yr | $7.30 | $9,850 | $9,938 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 56 in 2026, 47 in 2027.
- $0-premium plans: 52 in 2026, 43 in 2027.
- Median in-network out-of-pocket maximum: $1,900 in 2026, $1,999 in 2027.
- 189,747 people here were in a general-audience Advantage plan in October 2026; 6,917 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Imperial Courage Plan (HMO), Humana USAA Honor Giveback (HMO), AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS), Humana USAA Honor Giveback (PPO).
Questions
How many Medicare Advantage plans are in Riverside County for 2027?
43 general-audience plans with drug coverage, 39 of them with a $0 monthly premium, compared with 56 plans and 52 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Riverside County?
Imperial Dynamic Plan (HMO) from Imperial Health Plan of California, Inc.: $0 a month with an in-network out-of-pocket maximum of $295, so at most about $115 for the year in premiums and in-network costs.
Do any Riverside County plans have a Part B giveback?
13 do. The largest is $186 a month off your Part B premium, from Astiva Health Savings Plan (HMO).
How many Riverside County plans have 4 or more stars?
19 of 43, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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