Medicare Advantage

Shopping Medicare Advantage in Rancho Cucamonga for 2026? Here's who sells what

For 2027, Rancho Cucamonga is looking at 95 Medicare Advantage plans: 14 new, 17 gone since 2026, and 52 still here but changed on premium, deductible, plan type or name, 20 of them under a new name. Below, how the lineup shifted in San Bernardino County and what to compare, with no plan ranked or recommended.

If you live in Rancho Cucamonga and you're looking at Medicare Advantage for 2026, the first useful thing to know is who is actually selling a plan on your doorstep — and what type of plan each one is. That's the map. The prices, the doctors and the extras come after.

Rancho Cucamonga is in San Bernardino County, and Medicare Advantage availability is set at the county level. For plan year 2026, the Centers for Medicare & Medicaid Services (CMS) lists 98 Medicare Advantage plans from 18 carriers offered across the county. Every one of those plans includes prescription drug coverage. The table below lists each plan by carrier, its plan type, and whether it includes drug coverage.

How the 2026 lineup breaks down

Of the 98 Medicare Advantage plans available in San Bernardino County for 2026:

• 69 are HMOs
• 25 are HMO-POS plans (an HMO with a point-of-service option)
• 4 are PPOs
• 40 are Special Needs Plans (SNPs), which serve people with specific chronic conditions, people who have both Medicare and Medicaid, or people living in an institutional setting
• 98 include prescription drug coverage

Sixteen of the 18 carriers offer at least one MA-PD (Medicare Advantage with drug coverage) plan. The full plan-by-plan list is in the table below.

The carriers offering Medicare Advantage in the area

Here are the 18 carriers with plans available in San Bernardino County for 2026, in alphabetical order, along with the plan types each one is offering. Plans are named exactly as CMS lists them.

• Aetna (CVS Health) — 6 plans (HMO, HMO-POS). Includes Aetna Medicare Prime, Aetna Medicare Prime Extra, Aetna Medicare Prime Value Plus, Aetna Medicare Signature, Aetna Medicare Signature Extra, Aetna Medicare Signature Legacy.
• Alignment Health Plan — 15 plans (HMO), 7 of them SNPs. Includes the Alignment Health Heart & Diabetes and BreathEasy Plus C-SNPs, plus Alignment Health My Choice, Smart, ValorCare, Honor+ and the ONE.
• Astiva Health — 4 plans (HMO), 2 of them SNPs. Includes Astiva Health Premier Plan, Savings Plan, C-SNP Deluxe and C-SNP WOW.
• Blue Shield of California — 2 plans (HMO): Blue Shield 65 Plus and Blue Shield 65 Plus Choice Plan.
• Centene (WellCare) — 5 plans (HMO), 2 of them SNPs. Includes Wellcare Giveback, Low Premium, Simple Focus, Specialty Simple and Wellcare Health Net Dual Liberty.
• Central Health Medicare Plan — 6 plans (HMO), 2 of them SNPs. Includes Central Health Classic Care Plan I, Medicare Plan, Part B Savings Plan, Valor Care Plan, Embrace Care Plan and Embrace Choice Plan.
• Champion Health Plan — 7 plans (HMO, HMO-POS), 6 of them SNPs. Includes Champion Ally, Care, Choice, Plus, Select, Advantage and Connect.
• Clever Care Health Plan — 4 plans (HMO), 2 of them SNPs. Includes Clever Care Longevity, Value, Breathe+ and Total+.
• Elevance Health (Anthem) — 10 plans (HMO-POS), 5 of them SNPs. Includes Anthem Prime, Select, several Anthem I CareMore Medicare Advantage plans, and the CareMore Chronic Care, Kidney Care and Lung Care SNPs.
• Elite Health Plan, Inc. — 2 plans (HMO): Elite Core HMO and Elite Signature HMO.
• Humana — 8 plans (HMO, PPO). Includes Humana Gold Plus plans, Humana USAA Honor Giveback, and HumanaChoice PPO plans.
• IEHP DualChoice — 1 plan (HMO D-SNP): IEHP DualChoice.
• Imperial Health Plan of California, Inc. — 3 plans (HMO), 1 of them a SNP: Imperial Courage Plan, Dynamic Plan and Senior Value.
• Kaiser Permanente — 4 plans (HMO), 2 of them SNPs: Senior Advantage Inland Empire, Sr Advantage Inland Empire Value, and two Dual Complete South D-SNPs.
• Molina Healthcare of California — 2 plans (HMO), 1 of them a SNP: Molina Medicare Choice Care and Complete Care Plus.
• SCAN Health Plan — 11 plans (HMO, HMO-POS), 6 of them SNPs. Includes SCAN Classic, Prime, MyChoice, Venture, Balance, Strive, Affirm, Embrace, Embrace Together, Connections and Connections at Home. SCAN also lists the SCAN DaVita Dialysis Care Complete C-SNP.
• UnitedHealthcare — 7 plans (HMO, HMO-POS), 2 of them SNPs. Includes several AARP Medicare Advantage from UHC plans and two UHC Complete Care C-SNPs.
• VillageHealth — 1 plan (HMO-POS SNP).

Every plan listed for the county includes drug coverage. The table below carries the full plan-by-plan detail.

What "plan type" actually means

You'll see HMO, HMO-POS and PPO in the list. Here's the plain-English version:

• HMO (Health Maintenance Organization) — You pick a primary care doctor and use the plan's network. Referrals are usually needed to see a specialist.
• HMO-POS (HMO with Point-of-Service) — An HMO that allows some out-of-network care, usually at a higher cost share.
• PPO (Preferred Provider Organization) — More flexibility to see out-of-network providers, usually at a higher cost share, and typically no referral requirement.

A Special Needs Plan (SNP) is a Medicare Advantage plan built for a specific group: a chronic condition (C-SNP), people who have both Medicare and Medicaid (D-SNP), or people in an institutional setting (I-SNP). You have to meet the eligibility rules to enroll.

About drug coverage in 2026

All 98 Medicare Advantage plans in San Bernardino County for 2026 include Part D drug coverage. That matters because the data shows no stand-alone Part D plans listed at the county level, so drug coverage generally comes packaged inside a Medicare Advantage plan here.

A few 2026 Part D rules to keep in mind, whichever plan you look at:

• The Part D out-of-pocket cap is $2,100 for 2026. Once you hit it, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $615.
• The old coverage gap ("donut hole") is gone 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 amounts, at no extra charge. It's optional.

Dates to put on the fridge

• Oct. 15 – Dec. 7, 2025: Medicare Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan for 2026.
• **Jan. 1 – March 31