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Medicare Advantage Plans in Fort Irwin, California

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While there are 226 Medicare Advantage plans in California, there are 68 plans available to you in Fort Irwin, California. Fort Irwin is located in San Bernardino County. Connie Health gathered the plan cost and coverage information that matters most to you. Continue reading to discover the Medicare Advantage plan right for your health & budget and when to enroll.

2025 Medicare Advantage Plan Facts for Fort Irwin

Why Choose a Medicare Advantage Plan?

There are three primary reasons you may choose to enroll in a Medicare Advantage plan:

Medicare Advantage value Connie Health

1. Low or no-cost monthly premiums

You have access to a Medicare Advantage plan as low as $0 monthly. If you don't qualify for a $0 premium plan, the average is $34.13 per month. This premium is low, especially compared to a Medicare Supplement plan or your Part B premiums.

2. Lower out-of-pocket costs

Original Medicare doesn't cap their out-of-pocket costs, so you could end up with unexpectedly high medical bills. With Original Medicare Part B, you must pay the premium, deductible, and 20% coinsurance for Medicare-approved services and procedures. The 20% can add up.

3. Additional benefits not available with Original Medicare

Want routine dental coverage? Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) don't offer comprehensive dental, vision, or hearing coverage. These services would be entirely out-of-pocket for you.

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Medicare Advantage Companies in Fort Irwin

17 insurance companies offer Medicare Advantage plans in Fort Irwin.

Medicare Advantage Insurance Companies in Fort Irwin
Aetna Medicare
Alignment Health Plan
Anthem Blue Cross
Anthem Blue Cross Partnership Plan
Astiva Health
Blue Shield
Brand New Day
Central Health Medicare Plan
Clever Care Health Plan
Humana
Imperial Health Plan
Kaiser Permanente
Molina Healthcare
SCAN Health Plan
UnitedHealthcare
Wellcare
Wellcare by Health Net

Top 5 Medicare Advantage Insurance Companies in Fort Irwin

These 5 Medicare Advantage insurance companies enroll the largest amount of Medicare beneficiaries in Fort Irwin. They offer the most popular plans.

# Medicare Advantage Insurance Companies in Fort Irwin
1 Kaiser Foundation Hp, Inc.
2 Uhc Of California
3 Scan Health Plan
4 Inland Empire Health Plan
5 Blue Cross Of California Partnership Plan, Inc.

2025 Fort Irwin Medicare Advantage Plans

There are 68 Medicare Advantage plans to choose from in Fort Irwin. Below are the many available options. Click on any of the links to review additional plan details.

Medicare Advantage Plan Name Plan Type Monthly Plan Premium Maximum Out-of-Pocket Rx Deductible Medicare Star Rating
Kaiser Permanente Senior Advantage Inland Empire (HMO) Local HMO $0.00 $999.00 $0.00 4
Kaiser Permanente Sr Advantage Inland Empire Value (HMO) Local HMO $0.00 $1,999.00 $0.00 4
Alignment Health My Choice (HMO) Local HMO $0.00 $498.00 $0.00 4
Alignment Health My Choice CalPlus (HMO) Local HMO $0.00 $3,000.00 $0.00 4
Alignment Health smartHMO (HMO) Local HMO $0.00 $2,499.00 $0.00 4
Alignment Health the ONE + Rite Aid (HMO) Local HMO $0.00 $3,400.00 $0.00 4
Alignment Health CalPlus Heroes (HMO) Local HMO $0.00 $5,900.00 $545.00 4
Aetna Medicare Choice Plan (PPO) Local PPO $77.00 $5,500.00 $0.00 4
Aetna Medicare Eagle Plus Plan (PPO) Local PPO $0.00 $6,700.00 - 4
Aetna Medicare Core Plan (PPO) Local PPO $0.00 $3,900.00 $0.00 4
Humana USAA Honor with Rx (PPO) Local PPO $0.00 $6,100.00 $350.00 4
HumanaChoice H5525-074 (PPO) Local PPO $46.00 $2,900.00 $0.00 4
HumanaChoice H5525-075 (PPO) Local PPO $0.00 $4,500.00 $0.00 4
Humana USAA Honor (PPO) Local PPO $0.00 $5,900.00 - 4
Humana Gold Plus H5619-039 (HMO) Local HMO $0.00 $750.00 $0.00 4
Humana USAA Honor (HMO) Local HMO $0.00 $4,999.00 - 4
Humana Gold Plus H5619-148 (HMO) Local HMO $25.00 $3,200.00 $0.00 4
Humana Gold Plus H5619-150 (HMO) Local HMO $0.00 $5,000.00 $200.00 4
AARP Medicare Advantage from UHC CA-0028 (PPO) Local PPO $42.00 $2,900.00 $0.00 3.5
AARP Medicare Advantage from UHC CA-0031 (PPO) Local PPO $0.00 $4,500.00 $0.00 3.5
Blue Shield 65 Plus (HMO) Local HMO $0.00 $1,500.00 $0.00 3.5
Blue Shield 65 Plus Choice Plan (HMO) Local HMO $0.00 $899.00 $0.00 3.5
AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) Local HMO $0.00 $4,900.00 - 3.5
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) Local HMO $29.10 $800.00 $0.00 3.5
AARP Medicare Advantage from UHC CA-006P (HMO-POS) Local HMO $0.00 $800.00 $0.00 3.5
AARP Medicare Advantage from UHC CA-017P (HMO-POS) Local HMO $19.00 $800.00 $0.00 3.5
AARP Medicare Advantage from UHC CA-022P (HMO-POS) Local HMO $0.00 $800.00 $0.00 3.5
AARP Medicare Advantage from UHC CA-0021 (HMO-POS) Local HMO $0.00 $800.00 $0.00 3.5
SCAN Classic (HMO) Local HMO $0.00 $399.00 $0.00 3.5
SCAN Prime (HMO) Local HMO $23.00 $299.00 $0.00 3.5
SCAN Venture (HMO) Local HMO $0.00 $1,900.00 $0.00 3.5
SCAN Compass (HMO) Local HMO $0.00 $1,000.00 $0.00 3.5
SCAN Navigate (HMO) Local HMO $0.00 $1,000.00 $0.00 3.5
Central Health Medicare Plan (HMO) Local HMO $0.00 $1,100.00 $0.00 3.5
Central Health Savings Plan (HMO) Local HMO $0.00 $2,900.00 $0.00 3.5
Central Health Premier Plan I (HMO) Local HMO $41.00 $899.00 $0.00 3.5
Central Health Premier Plan II (HMO) Local HMO $0.00 $1,199.00 $0.00 3.5
Humana Community (HMO) Local HMO $0.00 $2,000.00 $0.00 3.5
Anthem I Carelon Premium Savings 2 (HMO) Local HMO $0.00 $3,500.00 $0.00 3
Anthem I Carelon Medicare Advantage 2 (HMO) Local HMO $0.00 $2,500.00 $0.00 3
Anthem Select (HMO) Local HMO $0.00 $1,800.00 $0.00 3
Anthem Medicare Advantage (HMO) Local HMO $0.00 $5,000.00 $0.00 3
Wellcare No Premium Focus (HMO) Local HMO $0.00 $1,000.00 $150.00 3
Wellcare Low Premium (HMO) Local HMO $29.00 $3,850.00 $300.00 3
Astiva Health Savings Plan (HMO) Local HMO $0.00 $2,500.00 $0.00 3
Astiva Health Premier Plan (HMO) Local HMO $0.00 $1,900.00 $0.00 3
Aetna Medicare Plus Plan (HMO) Local HMO $0.00 $699.00 $0.00 3
Aetna Medicare Eagle Plan (HMO) Local HMO $0.00 $4,200.00 - 3
Aetna Medicare Value Plus Plan (HMO-POS) Local HMO $10.00 $699.00 $0.00 3
Wellcare No Premium (HMO) Local HMO $0.00 $1,000.00 $150.00 3
Wellcare Giveback (HMO) Local HMO $0.00 $8,850.00 $545.00 3
Imperial Traditional (HMO) Local HMO $0.00 $1,349.00 $0.00 3
Imperial Dynamic Plan (HMO) Local HMO $0.00 $298.00 $0.00 3
Imperial Strong (HMO) Local HMO $0.00 $8,850.00 $545.00 3
Imperial Courage Plan (HMO) Local HMO $0.00 $2,999.00 - 3
Clever Care Longevity (HMO) Local HMO $0.00 $1,700.00 $0.00 3
Clever Care Active (HMO) Local HMO $0.00 $2,500.00 $0.00 3
Clever Care Value (HMO) Local HMO $0.00 $2,900.00 $0.00 3
Aetna Medicare Select Plan (HMO) Local HMO $0.00 $2,000.00 $0.00 2.5
Brand New Day Valor Care Plan (HMO) Local HMO $0.00 $3,850.00 - 2.5
Brand New Day Part B Savings Plan (HMO) Local HMO $0.00 $3,200.00 $0.00 2.5
Brand New Day Classic Care I Plan (HMO) Local HMO $0.00 $1,199.00 $0.00 2.5
Brand New Day Classic Care II Plan (HMO) Local HMO $34.30 $899.00 $50.00 2.5
Molina Medicare Choice Care (HMO) Local HMO $0.00 $8,300.00 $0.00 2.5
Molina Medicare Choice Care Select (HMO) Local HMO $0.00 $8,300.00 $450.00 2.5

Top 18 Medicare Advantage Plans with the Highest Star Ratings in Fort Irwin

The Centers for Medicare and Medicaid Services (CMS) rates all Medicare Advantage plans on a scale of 1 to 5 stars. Plans with one star are considered “poor,” while those with five stars are considered “excellent.” Any plan that is four stars and higher is a “top-rated” plan. These are the plans with the highest star ratings in Fort Irwin.

# Plan Name Plan Type Monthly Plan Premium Maximum Out-of-Pocket Rx Deductible Medicare Star Rating
1 Kaiser Permanente Senior Advantage Inland Empire (HMO) Local HMO $0.00 $999.00 $0.00 4
2 Kaiser Permanente Sr Advantage Inland Empire Value (HMO) Local HMO $0.00 $1,999.00 $0.00 4
3 Alignment Health My Choice (HMO) Local HMO $0.00 $498.00 $0.00 4
4 Alignment Health My Choice CalPlus (HMO) Local HMO $0.00 $3,000.00 $0.00 4
5 Alignment Health smartHMO (HMO) Local HMO $0.00 $2,499.00 $0.00 4
6 Alignment Health the ONE + Rite Aid (HMO) Local HMO $0.00 $3,400.00 $0.00 4
7 Alignment Health CalPlus Heroes (HMO) Local HMO $0.00 $5,900.00 $545.00 4
8 Aetna Medicare Choice Plan (PPO) Local PPO $77.00 $5,500.00 $0.00 4
9 Aetna Medicare Eagle Plus Plan (PPO) Local PPO $0.00 $6,700.00 - 4
10 Aetna Medicare Core Plan (PPO) Local PPO $0.00 $3,900.00 $0.00 4
11 Humana USAA Honor with Rx (PPO) Local PPO $0.00 $6,100.00 $350.00 4
12 HumanaChoice H5525-074 (PPO) Local PPO $46.00 $2,900.00 $0.00 4
13 HumanaChoice H5525-075 (PPO) Local PPO $0.00 $4,500.00 $0.00 4
14 Humana USAA Honor (PPO) Local PPO $0.00 $5,900.00 - 4
15 Humana Gold Plus H5619-039 (HMO) Local HMO $0.00 $750.00 $0.00 4
16 Humana USAA Honor (HMO) Local HMO $0.00 $4,999.00 - 4
17 Humana Gold Plus H5619-148 (HMO) Local HMO $25.00 $3,200.00 $0.00 4
18 Humana Gold Plus H5619-150 (HMO) Local HMO $0.00 $5,000.00 $200.00 4

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Types of Medicare Advantage Plans Available in Fort Irwin

There are 2 Medicare Advantage plan types you can choose from in Fort Irwin. These include: Local PPO, Local HMO. Not sure which is the best plan for your health needs and budget? We'll walk you through the most popular plan types: Local PPO, Local HMO. At the end of this section, you'll understand the difference between these three most popular plan types.

Medicare Advantage HMO Plans

You have 59 Medicare Advantage HMO plans to choose from in Fort Irwin. An HMO, or Health Maintenance Organization, is a type of health plan that limits coverage to in-network care from doctors who work for or contract with the HMO. Typically, HMO plans won't cover out-of-network care except in an emergency.

Medicare Advantage PPO Plans

There are 9 Medicare Advantage PPO plans in Fort Irwin. A PPO, or Preferred Provider Organization, is a type of health plan where you pay less to use doctors in the plan's network. Unlike an HMO, you can see doctors and specialists and use a hospital outside the network without a referral for an additional cost.

PPO plan comparison Connie Health

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Medicare Advantage Special Needs Plans (SNPs)

Special Needs Plans, or SNPs, are a type of Medicare Advantage plan. There are two types of Special Needs Plans that may be available to you: Chronic Special Needs Plans (C-SNP) and Dual Special Needs Plans (D-SNP).

Chronic Special Needs Plans (C-SNP) are limited to people with specific illnesses or characteristics. For example, you may qualify for a C-SNP if you have diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, dementia, chronic heart failure, or other qualifying illness. Medicare C-SNPs tailor benefits, provider choices, and drug formularies to meet the needs of the special needs groups they serve.

You may qualify for a Dual Special Needs Plan (D-SNP) if you are eligible for Medicare and Medicaid. With a D-SNP, the State of California may cover your Medicare costs, depending on your eligibility.

Veteran Benefits & Medicare

If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:

When to Enroll in a Medicare Advantage Plan in Fort Irwin

Knowing when to enroll or make plan changes can help you save money.

Enrolling in a Medicare Advantage plan for the first time, or are you interested in making a plan change? Skip to the section that applies to you - and mark the dates in your calendar.

Enroll for the First Time

If you're new to Medicare, the best time to enroll in a Medicare Advantage plan is during your Initial Enrollment Period. If you miss that, you can still enroll during the General Enrollment Period (January 1 - March 31) or Special Enrollment Period, but likely with penalties.

Birth Graphic Connie Health

Make a Plan Change

The best time to make a plan change is during the Medicare Annual Enrollment Period (October 15 - December 7). During this time, anyone enrolled in Medicare can review their plan options for the coming year and ensure that their plan choice meets their health and budget needs.

Annual Enrollment Period Connie Health

If you need to make a plan change because you moved to a new service area or lost coverage, among other reasons, you could qualify for a Special Enrollment Period.

Whether you're enrolling for the first time or making a plan change, a Medicare Advantage plan could fit your health and budget needs. Medicare in California can be confusing, and you don't have to sift through your options alone.

Medicare Advantage Special Needs Plans (SNPs)

Special Needs Plans, or SNPs, are a type of Medicare Advantage plan. There are two types of Special Needs Plans that may be available to you: Chronic Special Needs Plans (C-SNP) and Dual Special Needs Plans (D-SNP).

Chronic Special Needs Plans (C-SNP) are limited to people with specific illnesses or characteristics. For example, you may qualify for a C-SNP if you have diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, dementia, chronic heart failure, or other qualifying illness. Medicare C-SNPs tailor benefits, provider choices, and drug formularies to meet the needs of the special needs groups they serve.

You may qualify for a Dual Special Needs Plan (D-SNP) if you are eligible for Medicare and Medicaid. With a D-SNP, the State of California may cover your Medicare costs, depending on your eligibility.

Veteran Benefits & Medicare

If you or your spouse are veterans, you likely have VA benefits. However, the U.S. Department of Veteran Affairs encourages you to sign up for Medicare as soon as you are eligible. Here are three reasons you should speak to a local licensed agent about how VA benefits and Medicare work together:

Medicare Doctors Near Me in Fort Irwin, California

Struggling to find a trustworthy doctor who accepts your Medicare plan? It can be a daunting task but don't worry. With Connie Health, you can easily locate Medicare doctors near you.

No more endless phone calls or web searches. Our platform lets you enter your address and plan information (if you have it), and we'll do the rest. Let us help you eliminate the stress of finding a physician who accepts Medicare.

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Frequently Asked Questions

Which doctors near me accept Medicare in Fort Irwin?

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How many people are enrolled in a Medicare Advantage plan in Fort Irwin?

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Who is eligible for Medicare Advantage plans in Fort Irwin?

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Can I buy a Medicare Advantage plan in Fort Irwin?

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What is the best time to enroll in a Medicare Advantage plan in Fort Irwin?

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Can I enroll in a Medicare Advantage plan anytime?

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What is the best Medicare Advantage plan in Fort Irwin?

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How much does a Medicare Advantage plan cost in Fort Irwin?

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How much does Medicare cost in Fort Irwin?

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What is the difference between a Medicare Advantage and Medicare Supplement?

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Can I switch Medicare Advantage plans in Fort Irwin?

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Can I keep my Medicare Advantage plan if I move to a different city in California?

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Is Humana Gold Plus a Medicare Advantage plan?

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Does Medicare Advantage cover dental in Fort Irwin?

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How to choose a Medicare Advantage plan in Fort Irwin?

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Is Humana Choice PPO a Medicare Advantage plan?

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Does Medicare Advantage cover hearing aids in Fort Irwin?

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How to compare Medicare Advantage plans in Fort Irwin?

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Is Medicare Part C the same as Medicare Advantage?

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What doctors near me accept Medicare in Fort Irwin?

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How do I compare Medicare Advantage plans in Fort Irwin, California?

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Where can I get more information about Medicare Advantage plans in Fort Irwin, California?

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Medicare Part D plans may be available in the following zip codes in the Fort Irwin, California. 92310

Sources:

“Explore your Medicare coverage options.” Medicare.gov.

“MA State/County Penetration.” CMS.gov.

“Monthly MA Enrollment by State/County/Contract.” CMS.gov.7

“Prescription Drug Coverage - General Information.” CMS.gov.

“VA healthcare and other insurance.” U.S. Department of Veterans Affairs (VA.gov).

Last updated: December 11, 2025

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