Medicare Advantage

Moreno Valley Medicare in 2027: how big is the choice in Riverside County?

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 you're sorting out Medicare for 2027, the first useful thing to know is simply how much is on the menu. Moreno Valley sits inside Riverside County, and Medicare plan availability is set at the county level. For 2027, Riverside County has 68 Medicare Advantage plans on offer, sold by 18 different carriers, according to the CMS Medicare Plan Finder and Landscape files.

The lay of the land for 2027

That's a lot to sift through — and that's before you consider whether to stay with Original Medicare, add a stand-alone drug plan, or look at a Medigap policy. This article sticks to the counts, not the benefits, so you can see the shape of the market before you start comparing.

How many plans, really?

Ninety-one Medicare Advantage plans is a big number, but it's not 91 different companies. Those plans come from 17 carriers. Many carriers offer more than one plan — for example, an HMO version and a PPO version, or a plan aimed at people who also qualify for Medi-Cal.

When you use medicare.gov's Plan Finder and type in your Moreno Valley ZIP code, the tool will show you the plans available at your address. The county-wide count is the ceiling; not every plan is sold in every ZIP code.

What about stand-alone drug plans?

Part D drug coverage comes two ways: built into a Medicare Advantage plan (an "MA-PD"), or as a stand-alone Part D plan you pair with Original Medicare. In Riverside County's local availability file, there are 0 stand-alone Part D plans shown separately for 2027, which means most local drug coverage is delivered through MA-PD plans. If you plan to stay with Original Medicare and want a stand-alone drug plan, call 1-800-MEDICARE or check Plan Finder to confirm what's available at your address.

The 2027 rules that apply everywhere

A few program-level facts are the same in Moreno Valley as anywhere else in the country:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once you hit it, you pay $0 for covered drugs the rest of the year.
• The Part D deductible can be no higher than $615 in 2026 ($700 in 2027).
• The old coverage gap is gone. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments instead of paying big amounts at the pharmacy counter.
• IRMAA — the income-related surcharge on Part B and Part D — begins above $109,000 in income for a single filer in 2026.

About star ratings

You'll see "star ratings" attached to Medicare Advantage and Part D plans on medicare.gov. CMS scores contracts from 1 to 5 stars based on things like customer service, member complaints and preventive care measures. In Riverside County's 2027 data, 0 contracts are rated 4 stars or higher in the local file we reviewed — but ratings can change year to year, and a rating applies to a whole contract, not to your personal experience. Treat stars as one input, not a verdict.

Dates to keep on the fridge

• Oct. 15 – Dec. 7: Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an MA plan, you get one chance to switch to another MA plan or return to Original Medicare (and pick up a Part D plan).

With 382,888 people age 65 and older in Riverside County, phone lines and appointment slots fill up fast in the fall — earlier is easier.