Medicare Advantage

Got a Non-Renewal Letter in Oxnard? Read This First

People in Oxnard can choose from 22 Medicare Advantage plans for 2027, against 35 this year. Eight of this year's plans are gone, 6 are new to Ventura County, and 14 that continue have changed something in their terms, with 11 of them under a new name.

Medicare AdvantageOxnard, CA

Oxnard, Calif. — Medicare's Annual Enrollment Period runs Oct. 15 through Dec. 7, and the plan lineup Ventura County residents can pick from is shifting. Federal filings show eight Medicare Advantage plans leaving the county after 2026, six new plans arriving for 2027, and 11 plans keeping their coverage under a new name. If you live in Oxnard and get a letter from your plan this fall, that letter is doing important work — here is how to read it.

What's happening in Ventura County

Oxnard is in Ventura County, where Medicare Advantage availability is set by the federal Centers for Medicare & Medicaid Services (CMS). Comparing the 2026 and 2027 CMS Landscape files, the county's lineup is being reshaped in four ways at once: some plans are leaving, some are new, some are renamed, and some are continuing but changing on a detail like premium, deductible, plan type or name. The table on this page lists every plan available for the coming year.

Plans leaving after 2026

Eight plans will not return in 2027. If you are enrolled in one of them, your carrier is required to send a non-renewal notice, and you'll need to pick a new plan or return to Original Medicare.

The plans leaving are:

• Aetna Medicare Eagle (PPO) — Aetna (CVS Health)
• Aetna Medicare Enhanced (PPO) — Aetna (CVS Health)
• Alignment Health Honor+ Plan (HMO) — Alignment Health Plan
• Wellcare Simple (HMO) — Centene (WellCare)
• Central Health Classic Care Plan II (HMO) — Central Health Medicare Plan
• Central Health Medi-Medi Plan II (HMO D-SNP) — Central Health Medicare Plan
• Anthem Kidney Care (PPO C-SNP) — Elevance Health (Anthem)
• Humana Gold Plus H5619-148 (HMO) — Humana

Three carriers — Aetna (CVS Health), Centene (WellCare) and Central Health Medicare Plan — will have no Medicare Advantage plans in the county next year.

Note: Elevance Health (Anthem) is filing a plan called Anthem Kidney Care (PPO C-SNP) for 2027 as well. The 2026 version is listed as leaving, and a 2027 version is listed as new; CMS treats them as separate plans. If this is your plan, check the ANOC and the new plan documents carefully.

New plans for 2027

Six plans are new to the county for 2027:

• Alignment Health Honor Plus 060 (HMO) — Alignment Health Plan
• Anthem Kidney Care (PPO C-SNP) — Elevance Health (Anthem)
• Humana Gold Plus H5619-191 (HMO) — Humana
• Imperial Flex (HMO C-SNP) — Imperial Health Plan of California, Inc.
• SCAN Balance (HMO C-SNP) — SCAN Health Plan
• SCAN Costco Medicare Advantage (HMO) — SCAN Health Plan

Several of these are Chronic Condition Special Needs Plans (C-SNPs), which are built for people who have specific conditions. If you are eligible, you can compare them on Medicare.gov's Plan Finder.

Plans that were renamed

Eleven plans are keeping their coverage in the county but changing names. All of the renames on the CMS list are Alignment Health Plan plans:

• Alignment Health Advantage 001 (PPO) — was Alignment Health Advantage PPO (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 028 (HMO) — was Alignment Health My Choice (HMO)
• Alignment Health My Choice 050 (HMO) — was Alignment Health My Choice CalCare (HMO)
• Alignment Health Smart 040 (HMO) — was Alignment Health smartHMO (HMO)

A rename by itself does not mean your benefits changed. But CMS also flags 14 plans in the county as "changing" on premium, deductible, type or name from one year to the next. Your Annual Notice of Change is the document that spells out exactly what is different — read it before Dec. 7.

What to do, step by step

1. Look for two envelopes. Your carrier sends an ANOC (Annual Notice of Change) in September, and, if your plan is not renewing, a separate non-renewal letter. 2. Check your prescriptions and doctors. Even continuing plans can change their drug list (formulary) and provider network each year. 3. Compare on Medicare.gov. The official Plan Finder shows every 2027 plan in your ZIP code and lets you enter your drugs. 4. Act during Annual Enrollment (Oct. 15–Dec. 7) if you want a new plan to start Jan. 1, 2027. 5. If your plan is leaving, you also get a Special Enrollment Period that runs through the end of February 2027 to pick a new Medicare Advantage plan or move back to Original Medicare (with a Part D plan). 6. Medicare Advantage Open Enrollment (Jan. 1–March 31) lets anyone already in a Medicare Advantage plan make one change during that window.

A few program facts worth knowing

Some rules that affect drug costs are program-wide, not plan-specific:

• Part D has a $2,100 annual out-of-pocket cap in 2026.
• The maximum Part D deductible is $615.
• The old "donut hole" coverage gap is gone as of 2025; Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly bills.
• IRMAA (higher Part B and Part D premiums for higher incomes) starts above $109,000 for a single filer in 2026.