Plans as low as $0 monthly premiums
Find the right Medicare plan for you
- 2024 Medicare Advantage Plan Facts for Fort Irwin
- Why Choose a Medicare Advantage Plan?
- Medicare Advantage Companies in Fort Irwin
- Top 5 Medicare Advantage Insurance Companies in Fort Irwin
- 2024 Fort Irwin Medicare Advantage Plans
- Top 9 Medicare Advantage Plans with the Highest Star Ratings in Fort Irwin
- Types of Medicare Advantage Plans Available in Fort Irwin
- When to Enroll in a Medicare Advantage Plan in Fort Irwin
- Medicare Doctors Near Me in Fort Irwin, California
- Frequently Asked Questions
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.
2024 Medicare Advantage Plan Facts for Fort Irwin
- 66.69% of Medicare beneficiaries are enrolled in a Medicare Advantage plan in Fort Irwin.
- All Medicare beneficiaries in Fort Irwin have access to a $0 premium plan.
- There are 57 $0 premium Medicare Advantage plans available in Fort Irwin.
- For those that pay a premium, the average is $34.13 per month.
- The average out-of-pocket maximum is $2,765.90 per year.
- The average prescription drug plan deductible (for plans that include Part D) is $328.50 per month.
- There are 18 plans available in Fort Irwin that Medicare rated four stars or higher.
- There are 2 Medicare Advantage plan types you can choose from, including: Local PPO, Local HMO.
Speak with a local licensed insurance agent
(Monday-Saturday 8am - 8pm, Sunday 9am - 5pm)
No obligation to enroll
1-888-813-8911(TTY: 711)
Why Choose a Medicare Advantage Plan?
There are three primary reasons you may choose to enroll in a Medicare Advantage plan:
- Low or no-cost monthly premiums,
- Lower out-of-pocket costs, and
- Additional benefits such as comprehensive dental, vision, hearing, and more.
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.
The good news? Medicare Advantage plans have low or no-cost premiums, an out-of-pocket maximum, offer additional benefits, and are regulated by the Centers for Medicare & Medicaid Services (CMS). With a Medicare Advantage plan, you could receive prescription drug coverage, routine dental, vision, hearing, transportation, reduced cost-sharing, a gym membership, and more.
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. |
2024 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 |
Find the right Medicare plan for you
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.
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:
- Having Medicare means you're covered when you need care from a non-VA hospital or doctor, which also offers you greater health options.
- VA benefits and health care could change in the future, so you should enroll in every health care benefit that you are eligible for.
- If you lose VA benefits and aren't enrolled in Medicare, you could face Medicare Part B and Part D lifetime late enrollment penalties.
Speak with a local licensed insurance agent
(Monday-Saturday 8am - 8pm, Sunday 9am - 5pm)
No obligation to enroll
1-888-813-8911(TTY: 711)
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.
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.
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 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.
Why Connie Health
Local licensed insurance agents:
Independent agents, who live and work in your community, can help you access the best care for you in your area.
Compare all major insurance:
Our technology will help you find the plan that best fits your budget and health needs.
Our service is free:
You receive unbiased advice since our agents receive the same commission regardless of the insurance plan selected.
Ongoing support:
Once you have selected an insurance plan, your dedicated team will help you use your benefits and answer your questions.
Speak with a local licensed insurance agent
(Monday-Saturday 8am - 8pm, Sunday 9am - 5pm)
No obligation to enroll
1-888-813-8911(TTY: 711)
Frequently Asked Questions
Let us help you eliminate the stress of finding a physician who accepts Medicare. Find your Medicare doctor today.
- Compare the costs, including premiums, deductibles, co-pays, and out-of-pocket maximums.
- Look into the plan's network of doctors and hospitals.
- Review the additional benefits offered, such as dental, vision, and hearing coverage.
- Check the plan's star rating, which indicates its quality and performance.
- Ensure the plan covers your medications if you need prescription drug coverage.
- Compare costs, coverage options, and additional benefits.
- Review each plan’s network of providers.
- Check the star ratings for quality and performance.
- Evaluate customer reviews and feedback.
Medicare Advantage plans may be available in the following zip codes in 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.
“Prescription Drug Coverage - General Information.” CMS.gov.
“VA healthcare and other insurance.” U.S. Department of Veterans Affairs (VA.gov).
Last updated: November 5, 2024