Medicare Advantage

Does Your Doctor Take Kaiser Medicare in San Diego?

San Diego, Calif. — October 2026. As the Medicare Annual Enrollment Period opens, Kaiser Permanente will offer three Medicare Advantage plans to people with Medicare in San Diego County for 2027. The lineup is steady year over year: no plans are leaving, and no new ones are being added. But "steady" does not mean "identical" — every renewing plan sends an Annual Notice of Change (ANOC) with next year's details, and that is what you want to read before December 7, 2026.

MyMedicarePlans.org is an independent consumer site and is not affiliated with Kaiser Permanente, any other insurer, or the federal government. We publish availability information so you can see what's in your county and then check the specifics on the official Medicare tools.

What Kaiser Permanente is offering in San Diego County for 2027

San Diego is in San Diego County, where Medicare Advantage availability is set at the county level. For plan year 2027, Kaiser Permanente's county lineup includes:

• Kaiser Permanente Dual Complete South P1 (HMO D-SNP) — HMO D-SNP, with drug coverage
• Kaiser Permanente Senior Advantage San Diego (HMO) — HMO, with drug coverage
• Kaiser Permanente Senior Advantage San Diego Value (HMO) — HMO, with drug coverage

All three are HMOs, all three include Part D drug coverage, and one is a Special Needs Plan designed for people who have both Medicare and Medi-Cal. The table below lists every plan with its plan type and whether it includes drug coverage.

What's new, what's not returning

For 2027 in San Diego County:

• 0 Kaiser Permanente plans are not returning
• 0 new Kaiser Permanente plans are being added
• 0 Kaiser Permanente plans have been renamed

That does not mean nothing changes. Each renewing plan will issue an Annual Notice of Change in late September, listing adjustments to premiums, copays, drug tiers, extra benefits and provider networks for 2027. If you did not keep yours, you can request a copy from Kaiser Permanente or view plan details on medicare.gov.

If you do nothing during the enrollment window, your current plan simply renews with those changes on January 1, 2027.

Understanding the plan types

An HMO (Health Maintenance Organization) typically asks you to pick a primary care doctor and use the plan's network, except in emergencies. Referrals are often required to see specialists.

A D-SNP (Dual-eligible Special Needs Plan) is a type of Medicare Advantage plan built for people who qualify for both Medicare and Medicaid (Medi-Cal in California). Enrollment is limited to people who meet both programs' eligibility rules.

Kaiser Permanente's three San Diego County plans include two general HMOs and one D-SNP. Which, if any, is a fit depends on your eligibility, your doctors, your prescriptions and your budget — not on which has the catchiest name.

You have other choices in the county

Kaiser Permanente is one of 15 carriers offering Medicare Advantage plans in San Diego County for 2027. Together those carriers offer 85 plans countywide. If Kaiser Permanente's lineup does not fit, you can compare across every carrier on medicare.gov's Plan Finder.

How to check a plan against your doctors and prescriptions

Before you enroll or stay put, do this short check:

1. Make a list. Write down your current doctors, hospitals, and every prescription you take (name, dose, how often). 2. Open the Plan Finder. Go to medicare.gov and enter your ZIP code and your drug list. The tool will show which plans in San Diego County cover your drugs and estimate your yearly costs. 3. Check the provider directory. Kaiser Permanente operates its own integrated network, so confirm the doctors and facilities you want to use participate under the specific plan you're considering. 4. Read the ANOC. If you're already enrolled, your Annual Notice of Change spells out what is different for 2027 versus 2026. 5. Call if you're stuck. 1-800-MEDICARE (TTY 1-877-486-2048) is open 24/7 and can walk you through options.

What's confirmed for 2027 — and what isn't

A few program-level numbers for Part D in 2027 are already set by CMS:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026)
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026)
• Part D national base beneficiary premium: $41.33 for 2027 (this is a formula input, not what any specific plan charges)

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes them later in the fall, usually in November. We'll update coverage when they're released.

The coverage gap (the old "donut hole") was eliminated in 2025; Part D now has three phases. If drug costs are a concern, ask about the Medicare Prescription Payment Plan, an optional program that lets you spread your out-of-pocket drug costs across the calendar year in monthly installments rather than paying at the pharmacy counter.

Dates to put on the calendar

• October 15 – December 7, 2026: Medicare Annual Enrollment Period. Changes take effect January 1, 2027.
• January 1 – March 31, 2027: Medicare Advantage Open Enrollment Period. If you're in a Medicare Advantage plan on January 1, you get one chance to switch to another MA plan or go back to Original Medicare (with a stand-alone Part D plan).