Medicare Advantage in Modesto, California: Your Plain-English 2027 Guide
Stanislaus County's Medicare Advantage lineup shifts for 2027: 8 new plans, 10 plans leaving and 18 plans changing, out of the 38 offered for 2026. Here's a plain-English look at how the plans work for people in Modesto, California and what to weigh — with no sales pitch.
Compare Medicare Advantage options near you
Answer 3 quick questions to see Medicare Advantage listings from licensed insurance partners.
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Do you have Medicare Parts A & B?
This affects which Medicare Advantage options you can choose.
These listings are provided by licensed insurance partners.
Medicare Advantage plans in your area are changing or leaving for 2027.
One call tells you whether your plan is on the list — before enrollment opens.
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Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan on the list? One call tells you — before enrollment opens.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
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- Your doctors — confirmed in-network for 2027
- Your prescriptions — checked against the plan's 2027 drug tiers
855-729-3240 · free · about 5 minutes
Medicare around Modesto can look different from the county next door, and that's by design: plans are approved county by county, and Modesto sits in Stanislaus County (part of Modesto area).
36 Medicare Advantage plans are available for 2027. About 59% of the county's Medicare members are in a Medicare Advantage plan rather than Original Medicare, among the roughly 76,271 residents who are 65 or older.
You'll see who offers coverage nearby, how the pieces of Medicare fit, what things cost in 2027, when the enrollment windows open, and where to turn for free, unbiased guidance.
Medicare Advantage companies in Stanislaus County
Answer 3 quick questions to see Medicare options near you from licensed partners.
| Company | Local enrollment | Plans offered | Local agents | Action |
|---|---|---|---|---|
| Alignment Healthcare Usa LLCRegional | — | Yes | ||
| Kaiser PermanenteRegional | — | Yes | ||
| Scan GroupRegional | — | Yes | ||
| Imperial Health Plan of CaliforniaRegional | — | Yes | ||
| HumanaNational | — | Yes | ||
| Centene (WellCare)National | — | Yes |
How your Medicare choices fit together
Almost everyone starts with Original Medicare — Part A (hospital) and Part B (medical), run by the federal government. From there, you generally choose one of two directions, and understanding the fork is the whole game.
The Medicare Advantage path (Part C). You get your Part A and Part B benefits through a private plan approved by Medicare, usually with drug coverage included. Plans work within networks and service areas set at the county level, which is why availability in Modesto, California depends on your county, not just your state.
The Original Medicare path. You stay with the government program and can add a stand-alone Part D drug plan, and often a Medigap policy to help with the out-of-pocket costs Original Medicare leaves behind — trading bundled extras for broad provider freedom.
Neither path is universally better; the right fit depends on your doctors, your prescriptions, your budget, and how you like to handle care. This guide explains how each works in Modesto, California so you can decide for yourself. We don't rank or recommend specific plans.
By the numbers
How people get Medicare in Stanislaus County
(MA penetration in Stanislaus County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
The 2027 numbers, from shared to plan-specific
Start with what's fixed for everyone. The standard Part B premium is $202.9 per month in 2026 (2026 amount; 2027 figure will be posted when CMS releases it), and Part A is premium-free for most people who paid Medicare taxes long enough while working.
On the drug side, Part D has real guardrails for 2027: a deductible capped at $700 and, a hard $2,400 ceiling on your out-of-pocket costs for covered prescriptions — the old coverage gap is gone.
Higher earners pay more for Parts B and D through an income-related adjustment called IRMAA, which for 2026 starts above $109,000 in annual income for an individual and is based on your 2024 tax return. Most people fall below that line and pay the standard amounts. The 2027 brackets will be posted when CMS releases them.
Everything past that is plan-specific: the premiums, copays, and coverage details of an individual Advantage or Medigap plan change from plan to plan and year to year. Rather than quote or rank those, we point you to Medicare's Plan Finder and a licensed agent for your exact numbers.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
When you can enroll or make changes
Medicare's enrollment windows are federal — the same nationwide — so the timing below applies wherever you live.
Your first window (IEP). When you're new to Medicare, your Initial Enrollment Period is the 7-month window around your 65th birthday month. Signing up on time helps you avoid late penalties that can follow you for years.
Annual Enrollment Period (AEP). Each fall, from October 15 – December 7, anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open Enrollment. From January 1 – March 31, if you're already in an Advantage plan you get one chance to switch plans or return to Original Medicare.
Special Enrollment Periods can also open after certain life events, like moving or losing other coverage. The interactive calendar further down lays the year out visually.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Where to get free, unbiased help near Modesto
Good Medicare help exists and it's free — you don't have to figure this out solo or pay for guidance.
For official specifics and the Plan Finder tool, go straight to Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048). And a licensed agent can compare options and handle the paperwork with you.
One note on who we are: MyMedicarePlans.org is an independent, privately owned educational resource — not Medicare, not a government agency, and not affiliated with one. Our job is to help you get oriented, then hand you off to the official sources and licensed professionals for plan decisions.
Good to know