Medicare Advantage

Moreno Valley, CA: 2027 Advantage Plan Breakdown

Riverside County has 88 Medicare Advantage plans for 2027. Compared with 2026, 17 plans are not coming back, 14 are new, and 52 continuing plans changed in some way you should check before December 7, 20 of them under a new name. This guide covers what those numbers mean for Moreno Valley, not which plan to pick.

Medicare AdvantageMoreno Valley, CA

If you live in Moreno Valley and are weighing Medicare Advantage for 2027, the first thing worth understanding is not a price tag — it is the shape of the market. Who sells plans here, and what kind of plans are they? Once you know that, the shopping gets much easier.

Moreno Valley is in Riverside County, where 18 carriers offer 68 Medicare Advantage plans for the 2027 plan year, according to the CMS Medicare Advantage Landscape Source File. All 68 include prescription drug coverage. Most are HMOs, a handful are HMO-POS, and a few are PPOs. A portion are Special Needs Plans built for specific groups of people. The rest of this article walks through what those labels mean and which carriers show up on the local menu.

Who sells Medicare Advantage plans in Moreno Valley

Nineteen carriers offer Medicare Advantage plans in Riverside County for 2026. Listed alphabetically, with the number of plans each offers, they are:

• Aetna (CVS Health): 6
• Align Senior Care: 3
• Alignment Health Plan: 15
• Astiva Health: 4
• Blue Shield of California: 2
• Centene (WellCare): 5
• Central Health Medicare Plan: 6
• Champion Heath Plan: 7
• Clever Care Health Plan: 4
• Elevance Health (Anthem): 2
• Elite Health Plan, Inc.: 2
• Humana: 8
• IEHP DualChoice: 1
• Imperial Health Plan of California, Inc.: 3
• Kaiser Permanente: 4
• Molina Healthcare of California: 2
• SCAN Health Plan: 9
• UnitedHealthcare: 7
• VillageHealth: 1

The number of plans a carrier offers is not a quality signal. Some companies design one plan for a broad audience; others build several with different networks or benefit packages. The table below lists every plan by carrier for Riverside County.

What HMO, HMO-POS and PPO actually mean

Almost every plan on the Moreno Valley menu is one of three types. Here is what those labels mean at the program level.

HMO (Health Maintenance Organization). You pick a primary care doctor, use the plan's network of providers, and usually need a referral to see a specialist. Care outside the network is generally not covered except in emergencies. Of the 91 local plans, 72 are HMOs.

HMO-POS (HMO with Point-of-Service). This is an HMO with a limited ability to see some out-of-network providers for certain services, usually at a higher cost. There are 15 HMO-POS plans available here.

PPO (Preferred Provider Organization). PPOs also have a network, but you can see out-of-network providers — typically at a higher cost share — and referrals are usually not required.

PFFS (Private Fee-for-Service). You will sometimes see PFFS listed among Medicare Advantage plan types. No PFFS plans are offered in Riverside County for 2027. In a PFFS plan, the insurer sets the payment terms and any provider who accepts those terms can treat you.

Special Needs Plans: who they are for

A Special Needs Plan (SNP) is a Medicare Advantage plan whose membership is limited to people who meet specific eligibility rules. Riverside County has 35 SNPs across several carriers. There are three flavors:

• D-SNP (Dual Eligible). For people who have both Medicare and Medicaid (in California, Medi-Cal).
• C-SNP (Chronic Condition). For people living with a qualifying chronic condition, such as diabetes, cardiovascular disease, or certain lung conditions.
• I-SNP (Institutional). For people who live in a nursing facility or need a similar level of care at home.

If you do not meet the eligibility rules for an SNP, you cannot enroll in it — even if it looks appealing on paper. Carriers offering SNPs locally include Align Senior Care, Alignment Health Plan, Astiva Health, Centene (WellCare), Central Health Medicare Plan, Champion Heath Plan, Clever Care Health Plan, IEHP DualChoice, Imperial Health Plan, Kaiser Permanente, Molina Healthcare, SCAN Health Plan, UnitedHealthcare, and VillageHealth.

Drug coverage is built in

Every one of the 68 Medicare Advantage plans in Riverside County for 2027 includes Part D prescription drug coverage. That matters because a few program-level rules changed recently and apply to any Part D plan:

• The Part D out-of-pocket cap is $2,100 in 2026. Once your covered drug spending reaches that amount, you pay $0 for covered Part D drugs the rest of the year.
• The Part D maximum deductible is $615 for 2026 (individual plans may set a lower one).
• The old coverage gap — the "donut hole" — was eliminated as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the calendar year in monthly installments instead of paying at the pharmacy counter.

Higher-income enrollees pay an IRMAA surcharge on top of Part B and Part D premiums; for 2026, IRMAA begins above $109,000 in income for a single filer.

How to narrow the choice

Ninety-one plans is a lot to sift through, so most people find it easier to filter before they compare.

• Start with your doctors and hospitals. If keeping a specific provider matters, check each plan's network before anything else. HMO networks tend to be narrower than PPO networks.
• Check your prescriptions. Every plan has its own formulary and pharmacy network. The same drug can be on a different tier from one plan to the next.
• Match your situation. If you have Medi-Cal, a chronic condition covered by a C-SNP, or you live in a facility, an SNP may fit — and may include extra benefits tailored to that group.
• Know the calendar. The Annual Enrollment Period is Oct. 15 – Dec. 7. If you are already in a Medicare Advantage plan, you also get the Medicare Advantage Open Enrollment Period from Jan. 1 – March 31 to make one change.