County guide · Monterey County, CA · 2027 plan year
Original Medicare vs Medicare Advantage in Monterey County, CA
This guide lists 6 Medicare Advantage plans for 2027 in Monterey 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
- 6
- $0 premium
- 3 plans
- Lowest in-network limit
- $295
- Highest in-network limit
- $7,150
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 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | We have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov | ||
| 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 |
| Aspire Health Protect (HMO)HMO from Aspire Health · Plan ID H8764-004 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 20 services | $2,861 | $4,863 | $10,574 |
| Aspire Health Value (HMO)HMO from Aspire Health · Plan ID H8764-003 · Medicare.gov | $65 plan + Part B $209.50 | $7,000 in network | 3.5 of 5 | 20 services | $3,630 | $5,807 | $11,639 |
| Aspire Health Advantage (HMO)HMO from Aspire Health · Plan ID H8764-001 · Medicare.gov | $204 plan + Part B $209.50 | $4,550 in network | 3.5 of 5 | 20 services | $5,103 | $6,865 | $11,912 |
| Aspire Health Plus (HMO-POS)HMO-POS from Aspire Health · Plan ID H8764-002 · Medicare.gov | $382 plan + Part B $209.50 | $4,350 in network; $4,350 in and out of network | 3.5 of 5 | 20 services | $7,118 | $8,498 | $13,848 |
| 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 |
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. We do not have a Medigap price for Monterey County, CA. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 93451 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 93451 on Medicare.gov
- 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.