Medicare Advantage

UnitedHealthcare's 2027 Medicare Advantage plans in Riverside: the full plan-by-plan rundown

Riverside, Calif. — Fall 2026 is the window when Medicare shoppers in the Inland Empire sit down with their mail, their pill bottles and a list of their doctors to decide what to do for next year. For readers who are weighing a UnitedHealthcare Medicare Advantage plan, here is a plain look at what the carrier is offering in Riverside County for 2027, what has changed since 2026, and how to confirm a plan fits your care before the December 7, 2026 deadline.

MyMedicarePlans.org is an independent consumer site. We are not UnitedHealthcare, and we are not the government. UnitedHealthcare is one of 18 carriers offering Medicare Advantage plans in Riverside County for 2027, which together field 88 plans.

What Medicare Advantage plans does UnitedHealthcare offer in Riverside for 2027?

UnitedHealthcare is offering 7 Medicare Advantage plans in Riverside County for 2027. One is an HMO and 6 are HMO-POS plans. Six of the seven include Part D prescription drug coverage, and one is offered without drug coverage.

Riverside is in Riverside County, and Medicare Advantage availability is set at the county level, so the same seven plans are available to eligible people whether they live in Riverside, Moreno Valley, Corona or elsewhere in the county. The table below lists every plan by name and type.

The plans, listed alphabetically: AARP Medicare Advantage from UHC CA-0015 (HMO-POS); AARP Medicare Advantage from UHC CA-006P (HMO-POS); AARP Medicare Advantage from UHC CA-022P (HMO-POS); AARP Medicare Advantage Giveback from UHC CA-32P (HMO-POS); AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS); UHC Complete Care CA-20P (HMO-POS C-SNP); and UHC Complete Care Support CA-3AP (HMO C-SNP).

What is the difference between an HMO and an HMO-POS?

An HMO (Health Maintenance Organization) generally asks you to use doctors and hospitals in the plan's network and to pick a primary care doctor who coordinates your care. An HMO-POS (Point of Service) is an HMO that allows some care outside the network, usually for specific services and often at a higher cost share.

In Riverside County, UnitedHealthcare's 2027 lineup includes 1 HMO plan and 6 HMO-POS plans. The exact rules — which services the point-of-service option covers, which providers are in network, and what you pay — are in each plan's Evidence of Coverage.

Are any UnitedHealthcare Special Needs Plans available in Riverside County in 2027?

Yes. Two of UnitedHealthcare's seven Riverside County plans for 2027 are Chronic Condition Special Needs Plans (C-SNPs): UHC Complete Care CA-20P (HMO-POS C-SNP) and UHC Complete Care Support CA-3AP (HMO C-SNP). The carrier is not offering a Dual Eligible SNP (D-SNP) or Institutional SNP (I-SNP) in the county for 2027.

A C-SNP is a Medicare Advantage plan built around a specific chronic condition, and you have to qualify based on that condition. If you think a C-SNP might fit, the Plan Finder on medicare.gov will show you the qualifying conditions and benefits.

What is new or not returning for UnitedHealthcare in Riverside County for 2027?

Nothing is leaving and nothing is brand new. For plan year 2027, UnitedHealthcare is not pulling any of its Riverside County plans and is not adding any. Two plans have been renamed: AARP Medicare Advantage Giveback from UHC CA-32P (HMO-POS) was previously AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS), and AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS) was previously AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS).

A rename does not automatically mean benefits are the same or different. Your Annual Notice of Change (ANOC), which plans mail in September, lists any 2027 changes to premiums, cost sharing, drug coverage and extras. If you are in one of these plans and did not keep your ANOC, you can request a copy from the plan.

How do I check a plan against my doctors and prescriptions before December 7?

Use the Medicare Plan Finder at medicare.gov. Enter your ZIP code, add the drugs you take and the pharmacy you use, and the tool will show each 2027 plan's drug list, estimated yearly drug cost and whether your pharmacy is preferred. To confirm doctors and hospitals, open the plan's online provider directory or call the plan and ask about each provider by name — networks can change for 2027 even if the plan name has not.

A few dates and numbers to keep in view this fall:

• Annual Enrollment Period: October 15 – December 7, 2026. Any change takes effect January 1, 2027.
• If you do nothing, your current plan renews for 2027 if it is still offered, with the changes in your ANOC.
• Medicare Advantage Open Enrollment runs January 1 – March 31, 2027, for people already in a Medicare Advantage plan who want to switch once.
• Part D in 2027: the annual out-of-pocket cap on covered drugs is $2,400 (up from $2,100 in 2026), and the maximum plan deductible is $700 (up from $615 in 2026).
• The 2027 Part B standard premium, Part B deductible and IRMAA income brackets have not been announced yet. CMS typically publishes them later in the fall.