Guide to Medicare Advantage Plans in San Bernardino County, CA for 2025
There are 62 Medicare Advantage plans available in San Bernardino County, CA for the 2025 plan year, including 56 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.
Not in San Bernardino County? Enter your ZIP code to see plans in your area.
- Top 3 Plans by Enrollment:
1. Kaiser Permanente Senior Advantage Inland Empire (HMO) — 41,131 enrollees
2. AARP Medicare Advantage from UHC CA-006P (HMO-POS) — 27,117 enrollees
3. SCAN Classic (HMO) — 19,554 enrollees - Average Monthly Premium: $1.69
- Average Maximum Out-of-Pocket Limit: $2,580
- Average Prescription Drug Deductible: $136.43
- Ratings (Plan Mix): 4+ Stars: 29% · 3 Stars: 55% · Below 3: 16%
- Plan Type Breakdown 8 PPO · 37 HMO · 17 HMO-POS
San Bernardino County, California Medicare Advantage Plans
📊 At a Glance: Medicare Advantage in San Bernardino County
- Average Monthly Premium
- $1.69
- Plans with $0 Premium
- 56
- Average MOOP Limit
- $2,580 ($9,350 max. in 2025)
- Average Rx Deductible
- $136.43
- Plans Without Drug Coverage
- 4 (standalone California Part D plans)
- Plans with 5-Star Ratings
- No 5-star plans available.
- Stars Ratings (Plan Mix)
- 4+ Stars: 29% · 3 Stars: 55% · Below 3: 16%
- Plans Available
- 62 (excluding San Bernardino County SNP plans)
- Plan Type Breakdown
- 8 PPO · 37 HMO · 17 HMO-POS
- Countywide Enrollments
- 147,695 (excluding SNP plans)
- Top 3 Plans by Enrollment
- 1. Kaiser Permanente Senior Advantage Inland Empire (HMO) — 41,131 enrollees
2. AARP Medicare Advantage from UHC CA-006P (HMO-POS) — 27,117 enrollees
3. SCAN Classic (HMO) — 19,554 enrollees
Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated . County demographic data last updated .
Understanding Your Medicare Advantage Options
Medicare Advantage Plans, also known as Medicare Part C, are private health plans that provide all-in-one coverage, including Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). On top of the core benefits, many of the plans in San Bernardino County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in San Bernardino County looking for something more than Original Medicare.
🏥 Health Maintenance Organization (HMO) Plans
HMO plan members must use the plan's network of doctors and hospitals in San Bernardino County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers. There are 98,172 residents enrolled in HMO plans in this county. The most popular plan is Kaiser Permanente Senior Advantage Inland Empire .
🔓 Preferred Provider Organization (PPO)
A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 4,453 San Bernardino County residents enrolled in PPO plans. The most popular of these plans by enrollments is AARP Medicare Advantage from UHC CA-0031 .
🔀 Health Maintenance Organization Point of Sale (HMO-POS)
Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 45,070 residents enrolled in HMO-POS plans in this San Bernardino County. The most popular plan by enrollments is AARP Medicare Advantage from UHC CA-006P .
Advantages of Enrolling in Medicare Advantage
Many Medicare Advantage Plans offer extra benefits that go beyond Original Medicare, making them an attractive option for some people. These plans provide comprehensive coverage, often including additional services like prescription drug coverage, dental, vision, and wellness programs, all bundled into one plan. By choosing a Medicare Advantage Plan, you can simplify your healthcare and potentially save on costs.
Take a look at the main benefits provided by Medicare Advantage Plans in San Bernardino County:
🧑⚕️Coordinated Care
Plans often include care coordination services, which help you manage your healthcare across different providers and services.
💸 Cost Savings
Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.
🧾 Comprehensive Coverage
Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.
🧘 Wellness Programs
Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?
Tips for Selecting a Medicare Advantage Plan
When it comes to selecting from the 62 Medicare Advantage Plans available in San Bernardino County, it’s important to focus on these critical factors:
🏥1. Provider Network
Confirm that your doctors and preferred healthcare facilities are in the plan's network to avoid out-of-network charges.
💊 2. Prescription Drug Coverage
Review the plan's drug coverage to ensure it meets your needs, particularly for any specialty medications.
💰 3. Costs
Compare the overall costs, including premiums, copayments, and maximum out-of-pocket expenses, to find a plan that fits within your budget.
🎁 4. Additional Benefits
Determine which additional benefits are offered and how they align with your personal health and wellness needs.
⭐ 5. Plan Ratings
Research the plan’s star ratings to understand its effectiveness, quality of care, and member satisfaction.
Find out how to effectively compare Medicare Advantage Plans and make an informed choice.
Medicare Advantage Enrollment Periods
Making sense of Medicare Advantage enrollment periods can seem overwhelming, but it's worth the effort for better health coverage. Missing these key dates could delay your coverage or limit your plan choices for 2025 in San Bernardino County.
📅 Initial Enrollment Period (IEP)
This is your first opportunity to enroll in a Medicare Advantage Plan when you first become eligible for Medicare. Your Initial Enrollment Period lasts for seven months, starting three months before your 65th birthday.
🗓️ Annual Enrollment Period (AEP)
Occurs every year from October 15 to December 7. During the Annual Enrollment Period, you can switch, drop, or join a Medicare Advantage Plan.
🔁 Open Enrollment Period (OEP)
From January 1 to March 31, you can switch Medicare Advantage plans or return to Original Medicare if you’re already enrolled in a Medicare Advantage Plan.
For more detailed information on the enrollment periods and how to enroll, visit our comprehensive guide on Medicare Advantage Plan Enrollment.
Frequently Asked Questions
What are the most popular Medicare Advantage plan types in San Bernardino County?
Based on the 2025 plan data, PPO plans are the most common in San Bernardino County. The full breakdown of plan types is: 8 PPO · 37 HMO · 17 HMO-POS.
How much can I expect to pay out of pocket for Medicare Advantage plans?
The average maximum out-of-pocket limit (MOOP) in San Bernardino County is $2,580 for 2025.
Do any Medicare Advantage plans in San Bernardino County have 5-star ratings?
No 5-star rated Medicare Advantage plans are available in San Bernardino County for the 2025 plan year. However, 29% of plans have a rating of 4 stars or higher.
What is the average monthly premium for Medicare Advantage plans in San Bernardino County?
The average monthly premium for Medicare Advantage plans in San Bernardino County is $1.69. A total of 56 offer $0 premiums, though costs vary by plan type and benefits.
More About These Plans
Carrier Plans Offered
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.
Master Plan Pages by Plan ID
The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.
Plan Availability
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 Adelanto, Apple Valley, Barstow, Big Bear City, Big Bear Lake, Bloomington, Cedar Glen, Cedarpines Park, Chino, Chino Hills, Colton, Crestline, Earp, Fontana, Fort Irwin, Grand Terrace, Helendale, Hesperia, Highland, Hinkley, Joshua Tree, Lake Arrowhead, Landers, Loma Linda, Lucerne Valley, Mentone, Montclair, Morongo Valley, Needles, Newberry Springs, Ontario, Oro Grande, Phelan, Pinon Hills, Rancho Cucamonga, Redlands, Rialto, Running Springs, San Bernardino, Sugarloaf, Trona, Twentynine Palms, Twin Peaks, Upland, Victorville, Wrightwood, Yermo, Yucaipa, Yucca Valley, and all other areas of San Bernardino County, California, including the following zip codes: 89019, 91701, 91708, 91709, 91710, 91729, 91730, 91737, 91739, 91743, 91758, 91759, 91761, 91762, 91763, 91764, 91766, 91784, 91785, 91786, 92242, 92252, 92256, 92267, 92268, 92277, 92278, 92280, 92284, 92285, 92286, 92301, 92304, 92305, 92307, 92308, 92309, 92310, 92311, 92312, 92313, 92314, 92315, 92316, 92317, 92318, 92321, 92322, 92323, 92324, 92325, 92327, 92329, 92331, 92332, 92333, 92334, 92335, 92336, 92337, 92338, 92339, 92340, 92341, 92342, 92344, 92345, 92346, 92347, 92350, 92352, 92354, 92356, 92357, 92358, 92359, 92363, 92364, 92365, 92366, 92368, 92369, 92371, 92372, 92373, 92374, 92375, 92376, 92377, 92378, 92382, 92385, 92386, 92391, 92392, 92393, 92394, 92395, 92397, 92398, 92399, 92401, 92402, 92403, 92404, 92405, 92406, 92407, 92408, 92410, 92411, 92413, 92415, 92418, 92423, 92427, 92501, 92507, 92509, 92880, 93516, 93555, 93558, 93562, 93592.
Citations & References
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 19 March, 2025
- CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 2024
- Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed 19 March, 2025
- Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
- Data processed and interpreted by MedicareWire.com editorial team.
- Read our methodology and sourcing policy.