Medicare Advantage Plans With a Part B Giveback in California
These California plans pay part of your Part B premium for 2027, according to the benefits each one filed with CMS. They’re sorted by the size of the giveback, with each plan’s worst-case year beside it: 12 months of premiums, less the giveback, plus the in-network out-of-pocket maximum.
Showing all 41 plans.
With drug coverage
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Alignment Health Smart 055 (HMO)Alignment Health Plan · HMO1 of 55 counties · drug deductible $700Part B giveback $197/mo · Preventive dental · eyewear $75/yr | $0−$197 Part B giveback | $2,400 | $36 | 3.5★ |
| 2 | 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★ |
| 3 | SCAN Essential Savings (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Part B giveback $185/mo · Dental | $0−$185 Part B giveback | $2,400 | $180 | 4★ |
| 4 | Alignment Health Smart 056 (HMO)Alignment Health Plan · HMO1 of 55 counties · drug deductible $700Part B giveback $179/mo · Preventive dental · eyewear $75/yr | $0−$179 Part B giveback | $2,400 | $252 | 3.5★ |
| 5 | Astiva Health Savings Plan - NorCal (HMO)Astiva Health · HMO1 of 55 counties · drug deductible $0Part B giveback $161/mo · Dental up to $1,500/yr · eyewear $62/yr · hearing aids $500/yr per ear | $0−$161 Part B giveback | $2,500 | $568 | 4★ |
| 6 | 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 |
| 7 | 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★ |
| 8 | 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★ |
| 9 | Alignment Health Smart 038 (HMO)Alignment Health Plan · HMO3 of 55 counties · drug deductible $700Part B giveback $135/mo · Dental · eyewear $50/yr | $0−$135 Part B giveback | $3,499 | $1,879 | 3.5★ |
| 10 | SCAN Allied (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $75Part B giveback $125/mo · Dental up to $1,000/yr · eyewear $200/yr · OTC items $780/yr | $0−$125 Part B giveback | $2,000 | $500 | 4★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | Alignment Health Smart 040 (HMO)Alignment Health Plan · HMO4 of 55 counties · drug deductible $700Part B giveback $108/mo · Dental · eyewear $50/yr | $0−$108 Part B giveback | $3,999 | $2,703 | 3.5★ |
| 14 | Humana Gold Plus Giveback H5619-146 (HMO)Humana · HMO2 of 55 counties · drug deductible $700Part B giveback $84/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$84 Part B giveback | $2,700 | $1,692 | 4★ |
| 15 | Anthem I CareMore Premium Savings (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS3 of 55 counties · drug deductible $145Part B giveback $62/mo · Dental up to $1,200/yr · eyewear $200/yr · hearing aids $3,000/yr · OTC items $360/yr | $0−$62 Part B giveback | $1,000 | $256 | 3★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | AARP Medicare Advantage Giveback from UHC CA-30P (HMO-POS)UnitedHealthcare · HMO-POS1 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 | $800 | $320 | 3★ |
| 19 | AARP Medicare Advantage Giveback from UHC CA-31P (HMO-POS)UnitedHealthcare · HMO-POS1 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 | $800 | $320 | 3★ |
| 20 | 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★ |
| 21 | 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★ |
| 22 | SCAN Venture (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $370Part B giveback $33/mo · Dental · eyewear $100/yr · OTC items $200/yr | $0−$33 Part B giveback | $1,000 | $604 | 4★ |
| 23 | UHC Sharp Medicare Advantage CA-026P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Part B giveback $19/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$19 Part B giveback | $4,450 | $4,222 | 3★ |
| 24 | 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★ |
| 25 | AARP Medicare Advantage from UHC CA-023P (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $685Part B giveback $15/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$15 Part B giveback | $4,450 | $4,270 | 3★ |
| 26 | UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Part B giveback $15/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$15 Part B giveback | $4,450 | $4,270 | 3★ |
| 27 | 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★ |
| 28 | AARP Medicare Advantage from UHC CA-0012 (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Part B giveback $13/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$13 Part B giveback | $3,900 | $3,744 | 3★ |
| 29 | 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★ |
| 30 | AARP Medicare Advantage from UHC CA-003P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $595Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$10 Part B giveback | $800 | $680 | 3★ |
| 31 | AARP Medicare Advantage from UHC CA-004P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $595Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$10 Part B giveback | $800 | $680 | 3★ |
| 32 | AARP Medicare Advantage from UHC CA-005P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $595Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$10 Part B giveback | $800 | $680 | 3★ |
| 33 | AARP Medicare Advantage from UHC CA-021P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $595Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$10 Part B giveback | $800 | $680 | 3★ |
| 34 | UHC Sharp Medicare Advantage CA-001P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Part B giveback $6/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$6 Part B giveback | $4,450 | $4,378 | 3★ |
Without drug coverage
These plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO5 of 55 countiesPart B giveback $90/mo · Dental up to $3,000/yr · eyewear $150/yr | $0−$90 Part B giveback | $6,750 | $5,670 | 4★ |
| 2 | Imperial Courage Plan (HMO)Imperial Health Plan of California, Inc. · HMO51 of 55 countiesPart B giveback $85/mo | $0−$85 Part B giveback | $2,999 | $1,979 | 4★ |
| 3 | Humana USAA Honor Giveback (PPO)Humana · PPO11 of 55 countiesPart B giveback $75/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$75 Part B giveback | $6,500 | $5,600 | 4★ |
| 4 | Humana USAA Honor Giveback (HMO)Humana · HMO12 of 55 countiesPart B giveback $45/mo · Dental up to $1,000/yr · eyewear $150/yr | $0−$45 Part B giveback | $5,250 | $4,710 | 4★ |
| 5 | Aetna Medicare Eagle (HMO)Aetna Medicare · HMO9 of 55 countiesPart B giveback $40/mo · Dental up to $1,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $0−$40 Part B giveback | $4,450 | $3,970 | 3★ |
| 6 | AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS)UnitedHealthcare · HMO-POS5 of 55 countiesPart B giveback $25/mo · Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0−$25 Part B giveback | $5,900 | $5,600 | 3★ |
| 7 | AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 countiesPart B giveback $25/mo · Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0−$25 Part B giveback | $5,900 | $5,600 | 3★ |
Giveback = the monthly Part B premium reduction each plan filed with CMS for 2027. Worst-case year = 12 × (monthly plan premium − giveback) + in-network maximum out-of-pocket, so a large giveback can make it lower than the out-of-pocket maximum. The standard Part B premium was $202.90 a month in 2026. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. See every California plan, giveback or not, in our California Medicare Advantage ranking.
Questions
Which Medicare Advantage plans in California have a Part B giveback for 2027?
41 of the 259 general-audience plans in California filed a Part B premium reduction with CMS for 2027: 34 with drug coverage and 7 without. The largest is $197 a month, from Alignment Health Smart 055 (HMO).
How do I get the Part B giveback?
Join the plan. The plan's reduction comes off the standard Part B premium you'd otherwise pay, whether that premium is taken from your Social Security benefit or billed to you. You keep paying any Part B premium that's left.
Is a giveback plan the cheapest choice?
Not always. Plans that pay back part of your Part B premium can have higher copays, a higher out-of-pocket maximum or a narrower network. The worst-case year in the table counts the giveback as money back and adds the out-of-pocket maximum, so you can compare plans on one number.
Does the giveback help if Medicaid pays my Part B premium?
No. If Medicaid or a Medicare Savings Program pays your Part B premium, CMS sends the reduction to your state, not to you. The giveback also can't lower a Part B late enrollment penalty.
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.
- CMS, Medicare State Buy-in Manual, Chapter 1 (Part B premium reductions by Medicare Advantage plans) — cms.gov PDF.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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