Medicare Advantage

Medicare Plan Options in Clovis, CA for 2027

Medicare in Clovis: how many plan options are available in Fresno County for 2027, plus key dates and Part D figures.

CLOVIS, Calif. — If you're sorting through Medicare choices for 2027, here's a snapshot of what's on the table locally. Clovis is in Fresno County, where CMS listed 45 Medicare Advantage plans for 2026, offered by 10 carriers, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.

That's a lot of doors to knock on — and it's why understanding the basic shape of the Medicare marketplace matters more than memorizing any one plan.

What "45 plans" really means in Fresno County

Medicare Advantage (Part C) availability is set at the county level, not the city level. That means every Clovis resident sees the same countywide menu as neighbors in Fresno, Sanger, or Reedley. For 2026, CMS listed 45 Medicare Advantage plans in Fresno County, offered by 10 different carriers. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.

It's worth noting: not every one of those plans is a fit for every person. Some are general Medicare Advantage plans, and some are Special Needs Plans (SNPs) built for people with specific conditions, dual Medicare-Medicaid eligibility, or institutional care needs. The count is a ceiling, not a personal shopping list.

Stand-alone Part D in the area

The CMS landscape file shows 0 stand-alone Part D prescription drug plans specifically flagged in the local dataset used for this snapshot. In practice, stand-alone Part D plans (PDPs) are sold on a regional basis across California, so Clovis residents on Original Medicare can still shop PDPs through Medicare.gov's Plan Finder. If you have Original Medicare and want drug coverage, that's the tool to use.

Most Medicare Advantage plans in Fresno County include prescription drug coverage built in (called MA-PD).

The population behind the numbers

Fresno County is home to roughly 131,488 people age 65 and older. That's a large Medicare-eligible community, and it's part of why carriers compete here. More competition can mean more choices — but it also means more homework for the person doing the choosing.

Star Ratings: a tool, not a verdict

CMS rates Medicare Advantage and Part D contracts on a 1-to-5 star scale for quality and member experience. In the current data for this area, no contracts are rated 4 stars or higher. Star Ratings are one input among many — they don't tell you whether your doctor is in-network or whether your medications are covered. Use them as a starting question, not a final answer.

Dates and dollars to remember for 2027

A few program-level facts apply no matter which plan you consider:

• Annual Enrollment Period: Oct. 15 – Dec. 7, 2026. This is when you can join, switch, or drop a Medicare Advantage or Part D plan for 2027.
• Medicare Advantage Open Enrollment: Jan. 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to switch or return to Original Medicare.
• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your covered drug costs hit that ceiling, you pay nothing for covered prescriptions the rest of the year.
• Part D deductible: No more than $615 in 2026 and no more than $700 in 2027.
• The "donut hole" is gone. As of 2025, Part D has three phases instead of four.
• Medicare Prescription Payment Plan: An optional program that lets you spread your drug costs into monthly payments instead of paying at the pharmacy counter.
• IRMAA: Higher-income surcharges on Part B and Part D premiums start above $109,000 in income for a single filer in 2026.

How to sort through the options

With 45 Medicare Advantage plans in Fresno County, the smart move isn't to read every brochure — it's to start with your own needs and filter down:

1. List your doctors, hospitals, and preferred pharmacies. 2. List your prescriptions, including dosages. 3. Think about how you like to get care (referrals or no referrals, telehealth, extras like dental or vision). 4. Run all of that through Medicare.gov's Plan Finder, which will match plans to your actual situation.