Medicare Advantage

Before you pick a 2027 Chula Vista Advantage plan

For 2027, Chula Vista is looking at 85 Medicare Advantage plans: 18 new, 26 gone since 2026, and 48 still here but changed on premium, deductible, plan type or name, 20 of them under a new name. Below, how the lineup shifted in San Diego County and what to compare, with no plan ranked or recommended.

Medicare AdvantageChula Vista, CA

For plan year 2027, people on Medicare in Chula Vista have a menu of Medicare Advantage plans to sort through — and the full carrier-by-carrier list is laid out below. Because Medicare Advantage availability is set at the county level, the plans you can join in Chula Vista are the same ones offered across San Diego County. This article walks through who is selling plans, what type of plans they are (HMO, HMO-POS or PPO), and whether prescription drug coverage is built in.

How to read the roster

The table below lists every 2027 Medicare Advantage plan available in San Diego County, in alphabetical order by carrier. For each plan you'll see two things: the plan type (HMO, HMO-POS, PPO, or one of those with a Special Needs designation) and whether it includes Part D drug coverage. In this county for 2027, all 65 Medicare Advantage plans include drug coverage — sometimes called MA-PD plans.

A quick refresher on plan types:

• HMO plans generally ask you to use an in-network provider and to get referrals for specialists.
• HMO-POS ("point of service") plans work like HMOs but allow limited out-of-network care in certain situations.
• PPO plans give you the option to see out-of-network providers, usually at a higher cost.
• SNPs (Special Needs Plans) are limited to people who meet specific criteria — such as having both Medicare and Medi-Cal (D-SNP) or living with certain chronic conditions like diabetes or heart disease (C-SNP).

Which carriers offer plans in the area

Fifteen carriers are on the 2027 San Diego County landscape file. In alphabetical order, they are: Aetna (CVS Health), Alignment Health Plan, Astiva Health, Blue Shield of California, Centene (WellCare), Champion Heath Plan, Clever Care Health Plan, Community Health Group, Elevance Health (Anthem), Humana, Imperial Health Plan of California, Kaiser Permanente, Molina Healthcare of California, SCAN Health Plan, and UnitedHealthcare. Central Health Medicare Plan and Sharp Health Plan, which were on the 2026 list, are not offering plans in the county for 2027.

The number of plans per carrier varies. Alignment Health Plan lists 16 plans in the county — the largest count here — while SCAN Health Plan and UnitedHealthcare each list 9. Aetna, Champion Heath Plan and Humana list 7 apiece. Central Health Medicare Plan lists 5. Astiva Health, Centene (WellCare), Clever Care Health Plan, Elevance Health (Anthem) and Sharp Health Plan each list 4. Blue Shield of California, Imperial Health Plan of California and Kaiser Permanente each list 3. Community Health Group and Molina Healthcare of California each list 2.

Special Needs Plans in the mix

A portion of the 2027 lineup is designed for a specific group of people. These carriers include SNPs in the county roster: Alignment Health Plan, Astiva Health, Blue Shield of California, Centene (WellCare), Champion Heath Plan, Clever Care Health Plan, Community Health Group, Elevance Health (Anthem), Imperial Health Plan of California, Kaiser Permanente, Molina Healthcare of California, SCAN Health Plan, and UnitedHealthcare.

If you have both Medicare and Medi-Cal, or you have a qualifying chronic condition, a D-SNP or C-SNP may be worth a closer look — but only if you meet the plan's eligibility rules. Your local State Health Insurance Assistance Program (SHIP) counselor can help you check.

Drug coverage is built into every plan on the list

For 2027, every Medicare Advantage plan on the county roster comes with Part D prescription drug coverage. That matters, because there are 0 stand-alone Part D plans listed for the area in the CMS Landscape data — the drug side is bundled in. A few program-level Part D facts worth remembering as you shop:

• The Part D out-of-pocket cap for 2026 is $2,100. Once your covered drug spending reaches that, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible for 2026 is $615 (plans can set a lower one).
• The old coverage gap, or "donut hole," was eliminated in 2025 — Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the calendar year in monthly installments, at no extra charge.
• If your income is above $109,000 as a single filer in 2026, an IRMAA surcharge may apply to your Part B and Part D premiums.

Key dates to circle

• October 15 – December 7: Annual Enrollment Period. You can join, switch or drop a Medicare Advantage plan or Part D plan. Coverage begins January 1.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you can make one change — switch to another MA plan or return to Original Medicare (and add a stand-alone Part D plan if one is available to you).

Where the plan details actually live

The county-level roster below tells you what's available. It does not tell you what any given plan costs, which doctors and hospitals are in network, which drugs are on the formulary, or how the plan is rated. For that, use:

• medicare.gov/plan-compare — the official Medicare Plan Finder, which lets you enter your ZIP code and your medications.
• The plan's own documents — the Summary of Benefits, Evidence of Coverage, and provider/pharmacy directories.
• 1-800-MEDICARE (1-800-633-4227), available 24/7.
• California's SHIP, known as HICAP (Health Insurance Counseling and Advocacy Program), which offers free, unbiased one-on-one counseling.