Medicare Advantage
Got a non-renewal letter? Read this before December 7
Stanislaus County has 36 Medicare Advantage plans for 2027. Compared with 2026, 10 plans are not coming back, 8 are new, and 31 continuing plans changed in some way you should check before December 7, 13 of them under a new name. This guide covers what those numbers mean for Modesto, not which plan to pick.
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MODESTO, Calif. — If you have a Medicare Advantage plan in Modesto, this fall's mail is worth opening carefully. Comparing the 2026 and 2027 CMS Medicare Advantage Landscape files for Stanislaus County, 10 plans will not return next year, 8 new plans are being added, and 13 plans are keeping the same core but appearing under a new name. One carrier — Central Health Medicare Plan — will not offer Medicare Advantage plans in the county in 2027.
Key takeaways
- Ten Medicare Advantage plans available in Stanislaus County in 2026 will not be offered in 2027, and members of a non-renewing plan get a Special Enrollment Period that runs through the end of February.
- Eight new Medicare Advantage plans are being added in the county for 2027, and 13 continuing plans are being renamed — the plan itself may be similar, but the name on your card could change.
- The Annual Enrollment Period runs October 15 through December 7; the Medicare Advantage Open Enrollment Period runs January 1 through March 31.
- Central Health Medicare Plan will not offer Medicare Advantage plans in Stanislaus County in 2027, so its current members will need to choose a new plan or return to Original Medicare.
If your current plan is on the leaving list, you have protected time to switch. If it is only renamed or "changing," you still need to read your Annual Notice of Change (ANOC) before December 7.
What's changing in Stanislaus County for 2027
Modesto is in Stanislaus County, and Medicare Advantage availability is set at the county level. Based on the CMS Landscape files comparing 2026 to 2027, the county picture looks like this:
- 10 plans leaving after 2026
- 8 new plans for 2027
- 13 plans renamed (same plan, new name)
- 18 plans "changing" on premium, deductible, plan type or name — the ANOC will show the specifics
- 15 plans continuing as-is
The table on this page lists every plan available in the county. Below is a plain-language look at what those numbers mean if you live in Modesto.
Plans that will not return in 2027
These 10 plans were offered in Stanislaus County in 2026 but are not being offered in 2027:
- Alignment Health Freedom (PPO)
- Alignment Health Honor+ Plan (HMO)
- Wellcare Health Net Dual Align (HMO D-SNP)
- Central Health Classic Care Plan III (HMO)
- Central Health Dual Access Plan (HMO D-SNP)
- Central Health Embrace Care Plan (HMO C-SNP)
- Central Health Embrace Choice Plan (HMO C-SNP)
- Anthem Kidney Care (PPO C-SNP)
- Humana Gold Plus H5619-148 (HMO)
- SCAN MyChoice (HMO)
If you are enrolled in one of these plans, your carrier is required to send a non-renewal notice. You do not lose coverage on January 1 without options — but you do need to act.
Two notes: the Wellcare Health Net Dual Align (HMO D-SNP) and Anthem Kidney Care (PPO C-SNP) names appear on both the leaving and new lists. In CMS files that usually reflects a plan being restructured under a new contract or plan number. Read any notice from your carrier carefully — it will tell you whether you are being moved automatically or need to enroll.
New plans arriving for 2027
Eight plans are new to the Stanislaus County lineup for 2027:
- Alignment Health Advantage 001 (PPO)
- Alignment Health Balance Plus 004 (PPO)
- Alignment Health Honor Plus 060 (HMO)
- Wellcare Health Net Dual Align (HMO D-SNP)
- Anthem Kidney Care (PPO C-SNP)
- Humana Gold Plus H5619-191 (HMO)
- Imperial Flex (HMO C-SNP)
- SCAN Costco Medicare Advantage (HMO)
Because we cannot discuss costs, benefits or star ratings here, use medicare.gov's Plan Finder or call 1-800-MEDICARE to see how any new plan compares with what you have.
Renamed plans — same plan, new name
Thirteen continuing plans have a new name for 2027. Most are from Alignment Health Plan. If your plan is on this list, you generally do not need to re-enroll, but you should still read the ANOC because the underlying plan can change year to year even when it continues:
- Alignment Health + AllCare Preferred 011 (HMO) — was Alignment Health AllCare Preferred (HMO)
- Alignment Health Balance 006 (PPO) — was Alignment Health Balance (PPO)
- Alignment Health BreathEasy Plus 041 (HMO C-SNP) — was Alignment Health BreathEasy (HMO C-SNP)
- Alignment Health Clarity Plus 042 (HMO C-SNP) — was Alignment Health Clarity (HMO C-SNP)
- Alignment Health Duals+ 030 (HMO D-SNP) — was Alignment Health CalPlusDuals (HMO D-SNP)
- Alignment Health Heart & Diabetes 010 (HMO C-SNP) — was Alignment Health Heart & Diabetes (HMO C-SNP)
- Alignment Health Heart & Diabetes 048 (HMO C-SNP) — was Alignment Health Heart & Diabetes Care (HMO C-SNP)
- Alignment Health Heart & Diabetes 051 (HMO C-SNP) — was Alignment Health Heart & Diabetes Choice (HMO C-SNP)
- Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) — was Alignment Health Heart & Diabetes CalPlus (HMO C-SNP)
- Alignment Health My Choice 001 (PPO) — was Alignment Health My Choice (PPO)
- Alignment Health My Choice 050 (HMO) — was Alignment Health My Choice CalCare (HMO)
- Alignment Health Smart 040 (HMO) — was Alignment Health smartHMO (HMO)
- HPSJ/MVHP Advantage D-SNP (HMO D-SNP) — was Advantage D-SNP (HMO)
A carrier exit to know about
Central Health Medicare Plan offered four Medicare Advantage plans in Stanislaus County in 2026 and will not offer any in the county in 2027. If Central Health is your current carrier, you should have received (or will soon receive) a non-renewal letter. You will need to pick a new Medicare Advantage plan or move back to Original Medicare, and you may want to consider Part D drug coverage and, if eligible, a Medigap policy.
What to do if your plan is leaving
When a Medicare Advantage plan is not renewed, CMS gives affected members a Special Enrollment Period (SEP) that runs from December 8 through the end of February. During that window you can:
- Join a different Medicare Advantage plan (with or without drug coverage), or
- Return to Original Medicare and add a stand-alone Part D drug plan.
You do not have to wait for the SEP. During the Annual Enrollment Period (October 15 – December 7), anyone with Medicare can switch plans for a January 1 start. And from January 1 through March 31, the Medicare Advantage Open Enrollment Period lets people already in an Advantage plan make one change.
A short checklist for Modesto members:
1. Open the ANOC and non-renewal letter from your current carrier. 2. List your doctors, hospitals and prescriptions. 3. Use medicare.gov's Plan Finder or call 1-800-MEDICARE (TTY 1-877-486-2048) to compare. 4. For free one-on-one help, contact California's SHIP — known as HICAP — at 1-800-434-0222.
A quick note on 2026 Part D figures
Even if your plan continues, drug coverage rules have changed program-wide. For 2026, the Part D out-of-pocket cap is $2,100, the maximum Part D deductible is $615, and the coverage gap ("donut hole") is gone — Part D now has three phases. The optional Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly payments. IRMAA income-related surcharges start above $109,000 for a single filer in 2026.
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.
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.
What changes next year
Medicare Advantage plans leaving or changing in Stanislaus County for 2027
Modesto is in Stanislaus County. Comparing CMS’s 2026 and 2027 Landscape files for the county:
Plans not offered in Stanislaus County for 2027
| Plan | Carrier | Type |
|---|---|---|
| Alignment Health Freedom (PPO) | Alignment Health Plan | PPO |
| Alignment Health Honor+ Plan (HMO) | Alignment Health Plan | HMO |
| Wellcare Health Net Dual Align (HMO D-SNP) | Centene (WellCare) | HMO D-SNP |
| Central Health Classic Care Plan III (HMO) | Central Health Medicare Plan | HMO |
| Central Health Dual Access Plan (HMO D-SNP) | Central Health Medicare Plan | HMO D-SNP |
| Central Health Embrace Care Plan (HMO C-SNP) | Central Health Medicare Plan | HMO C-SNP |
| Central Health Embrace Choice Plan (HMO C-SNP) | Central Health Medicare Plan | HMO C-SNP |
| Anthem Kidney Care (PPO C-SNP) | Elevance Health (Anthem) | PPO C-SNP |
| Humana Gold Plus H5619-148 (HMO) | Humana | HMO |
| SCAN MyChoice (HMO) | SCAN Health Plan | HMO |
Plans new to Stanislaus County for 2027
| Plan | Carrier | Type |
|---|---|---|
| Alignment Health Advantage 001 (PPO) | Alignment Health Plan | PPO |
| Alignment Health Balance Plus 004 (PPO) | Alignment Health Plan | PPO |
| Alignment Health Honor Plus 060 (HMO) | Alignment Health Plan | HMO |
| Wellcare Health Net Dual Align (HMO D-SNP) | Centene (WellCare) | HMO D-SNP |
| Anthem Kidney Care (PPO C-SNP) | Elevance Health (Anthem) | PPO C-SNP |
| Humana Gold Plus H5619-191 (HMO) | Humana | HMO |
| Imperial Flex (HMO C-SNP) | Imperial Health Plan of California, Inc. | HMO C-SNP |
| SCAN Costco Medicare Advantage (HMO) | SCAN Health Plan | HMO |
Plans continuing under a new name
| Plan | Carrier | Type |
|---|---|---|
| Alignment Health + AllCare Preferred 011 (HMO) (was Alignment Health AllCare Preferred (HMO)) | Alignment Health Plan | HMO |
| Alignment Health Balance 006 (PPO) (was Alignment Health Balance (PPO)) | Alignment Health Plan | PPO |
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) (was Alignment Health BreathEasy (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Clarity Plus 042 (HMO C-SNP) (was Alignment Health Clarity (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Duals+ 030 (HMO D-SNP) (was Alignment Health CalPlusDuals (HMO D-SNP)) | Alignment Health Plan | HMO D-SNP |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) (was Alignment Health Heart & Diabetes (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Heart & Diabetes 048 (HMO C-SNP) (was Alignment Health Heart & Diabetes Care (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) (was Alignment Health Heart & Diabetes Choice (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) (was Alignment Health Heart & Diabetes CalPlus (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health My Choice 001 (PPO) (was Alignment Health My Choice (PPO)) | Alignment Health Plan | PPO |
| Alignment Health My Choice 050 (HMO) (was Alignment Health My Choice CalCare (HMO)) | Alignment Health Plan | HMO |
| Alignment Health Smart 040 (HMO) (was Alignment Health smartHMO (HMO)) | Alignment Health Plan | HMO |
| HPSJ/MVHP Advantage D-SNP (HMO D-SNP) (was Advantage D-SNP (HMO) (HMO D-SNP)) | Health Plan of San Joaquin / Mountain Valley Health Plan Advantage D-SNP (HMO) | HMO D-SNP |
Carriers with no plans in Stanislaus County for 2027: Central Health Medicare Plan
“Changing” means the plan’s 2027 record differs from 2026 on premium, drug deductible, plan type or name; the details are in the Annual Notice of Change your plan mails by September 30. If your plan is not offered for 2027, you can choose another during the Annual Enrollment Period (October 15 to December 7) and you also get a Special Enrollment Period that runs through the end of February. Source: CMS MA Landscape Source Files. No plan is ranked or recommended.
The choices, by type
How the Medicare Advantage choices in Modesto break down for 2026
Carriers offering plans in Stanislaus County, alphabetically, with the number of plans each offers:
- Alignment Health Plan 14 plans
- Blue Shield of California 1 plan
- Centene (WellCare) 1 plan
- Central Health Medicare Plan 4 plans
- Elevance Health (Anthem) 2 plans
- Health Plan of San Joaquin / Mountain Valley Health Plan Advantage D-SNP (HMO) 1 plan
- Humana 4 plans
- Imperial Health Plan of California, Inc. 3 plans
- Kaiser Permanente 3 plans
- SCAN Health Plan 5 plans
HMO plans use a network and usually a primary-care doctor; HMO-POS plans add some out-of-network coverage; PPO plans cover out-of-network care at a higher share; PFFS plans pay any provider that accepts the plan’s terms; Special Needs Plans serve people who are dual-eligible (D-SNP), have certain conditions (C-SNP) or live in an institution (I-SNP). Source: CMS Landscape Source File. No plan is ranked or recommended here.
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.
Explore
The parts of Medicare
Good to know
Frequently asked questions
My Medicare Advantage plan is not being offered in 2027. Will I lose coverage on January 1?
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Modesto
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This page was last updated: October 1, 2026.