County guide · Kern County, CA · 2027 plan year
Original Medicare vs Medicare Advantage in Kern County, CA
This guide lists 21 Medicare Advantage plans for 2027 in Kern County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 21
- $0 premium
- 17 plans
- Lowest in-network limit
- $295
- Highest in-network limit
- $9,850
In most states, including California, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in California can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later. California has a birthday rule, but it only lets people who already have Medigap switch to another Medigap plan. It does not help you get Medigap after you leave Medicare Advantage.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G from $175 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $4,968 | $7,143 | $7,368 |
| Imperial Dynamic Plan (HMO)HMO from Imperial Health Plan of California, Inc. · Plan ID H5496-012 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $15 of Part B) | $295 in network | 4 of 5 | 24 services | $2,334 | $3,159 | $4,789 |
| Champion Ally (HMO)HMO from Champion Heath Plan · Plan ID H6170-007 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 | $499 in network | Not enough data available | 20 services | $2,514 | $3,288 | $5,341 |
| Alignment Health Platinum 057 (HMO)HMO from Alignment Health Plan · Plan ID H3815-057 · Medicare.gov | $0 plan + Part B $209.50 | $1,000 in network | 3.5 of 5 | 24 services | $2,516 | $3,766 | $5,914 |
| Kaiser Permanente Senior Advantage Basic Kern (HMO)HMO from Kaiser Permanente · Plan ID H0524-036 · Medicare.gov | $0 plan + Part B $209.50 | $3,900 in network | 4.5 of 5 | 5 services | $2,514 | $3,788 | $8,667 |
| Aetna Medicare Prime Value Plus (HMO)HMO from Aetna Medicare · Plan ID H4982-022 · Medicare.govIts page is set for Riverside County, CA | $0 plan + Part B $209.50 | $599 in network | 2.5 of 5 | 19 services | $2,514 | $3,930 | $5,513 |
| Kaiser Permanente Senior Advantage Enhanced Kern (HMO)HMO from Kaiser Permanente · Plan ID H0524-035 · Medicare.gov | $29 plan + Part B $209.50 | $1,900 in network | 4.5 of 5 | 5 services | $2,862 | $4,016 | $7,090 |
| Humana Gold Plus H5619-116 (HMO)HMO from Humana · Plan ID H5619-116 · Medicare.gov | $0 plan + Part B $209.50 | $2,100 in network | 4 of 5 | 24 services | $2,579 | $4,252 | $6,824 |
| Anthem Medicare Advantage (HMO-POS)HMO-POS from Anthem Blue Cross · Plan ID H0544-062 · Medicare.gov | $0 plan + Part B $209.50 | $2,800 in network | 3.5 of 5 | 23 services | $2,534 | $4,462 | $7,264 |
| AARP Medicare Advantage from UHC CA-0002 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-019 · Medicare.gov | $0 plan + Part B $209.50 | $2,000 in network | 3 of 5 | 24 services | $2,514 | $4,560 | $6,204 |
| Aetna Medicare Signature Extra (HMO)HMO from Aetna Medicare · Plan ID H0523-091 · Medicare.gov | $0 plan + Part B $209.50 | $2,000 in network | 3 of 5 | 19 services | $2,514 | $4,587 | $6,914 |
| Humana Gold Plus H5619-191 (HMO)HMO from Humana · Plan ID H5619-191 · Medicare.govIts page is set for Riverside County, CA | $0 plan + Part B $209.50 | $3,200 in network | 4 of 5 | 24 services | $2,579 | $4,597 | $8,114 |
| Humana Gold Plus Giveback H5619-150 (HMO)HMO from Humana · Plan ID H5619-150 · Medicare.govIts page is set for San Diego County, CA | $0 plan + Part B $209.50 (the plan pays back $42 of Part B) | $5,000 in network | 4 of 5 | 24 services | $2,090 | $4,653 | $8,565 |
| Aetna Medicare Signature Legacy (HMO)HMO from Aetna Medicare · Plan ID H0523-022 · Medicare.govIts page is set for Los Angeles County, CA | $10 plan + Part B $209.50 | $2,000 in network | 3 of 5 | 19 services | $2,699 | $4,672 | $7,034 |
| Blue Shield 65 Plus (HMO)HMO from Blue Shield of California · Plan ID H0504-038 · Medicare.gov | $0 plan + Part B $209.50 | $2,750 in network | 4 of 5 | 17 services | $2,514 | $4,685 | $7,664 |
| Alignment Health My Choice 061 (HMO)HMO from Alignment Health Plan · Plan ID H3815-061 · Medicare.gov | $40 plan + Part B $209.50 | $4,900 in network | 3.5 of 5 | 24 services | $3,029 | $4,759 | $9,154 |
| Aetna Medicare Signature (HMO)HMO from Aetna Medicare · Plan ID H4982-003 · Medicare.gov | $0 plan + Part B $209.50 | $2,000 in network | 2.5 of 5 | 19 services | $2,514 | $4,762 | $6,914 |
| Anthem Prime (HMO-POS)HMO-POS from Anthem Blue Cross Partnership Plan · Plan ID H4161-005 · Medicare.govIts page is set for San Mateo County, CA | $0 plan + Part B $209.50 | $1,200 in network | 3 of 5 | 23 services | $2,559 | $5,205 | $6,114 |
| Alignment Health Honor Plus 060 (HMO)HMO from Alignment Health Plan · Plan ID H3815-060 · Medicare.govIts page is set for Los Angeles County, CA | $7.30 plan + Part B $209.50 | $9,850 in network | 3.5 of 5 | 24 services | $2,656 | $5,775 | $9,750 |
| Imperial Courage Plan (HMO)HMO from Imperial Health Plan of California, Inc. · Plan ID H5496-016 · No drug coverage · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $85 of Part B) | $2,999 in network | 4 of 5 | 24 services | $1,787 | $9,117 | $26,042 |
| Humana USAA Honor Giveback (HMO)HMO from Humana · Plan ID H5619-121 · No drug coverage · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $45 of Part B) | $5,250 in network | 4 of 5 | 24 services | $2,322 | $9,826 | $27,865 |
| AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-121 · No drug coverage · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $25 of Part B) | $5,900 in network | 3 of 5 | 24 services | $2,502 | $10,201 | $28,490 |
Original Medicare totals use the lowest Plan G price that California Department of Insurance, Medicare Supplement rate guide lists for a 65-year-old woman who does not use tobacco, $175 a month. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices come from California Department of Insurance, Medicare Supplement rate guide, pulled 2026-10-13. They are for ZIP 93308. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices: California Department of Insurance, Medicare Supplement rate guide
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.