Part C plans
Compare Medicare Advantage plans.
Compare Medicare Advantage plans by provider networks, prescriptions, plan type, prior authorization rules, and total yearly costs.
2027 plan-year update
2027 plan details will be added in early October.
The plan-specific benefits, premiums, networks, formularies, and service areas currently shown are for 2026. We will replace them with verified 2027 information when official materials become available.
How Medicare Advantage works
One private plan organizes your Medicare benefits.
Medicare Advantage, also called Part C, is offered by Medicare-approved private insurers. You remain in Medicare and continue paying your Part B premium, while the plan sets the network, cost-sharing, and coverage rules you use.
Start with access, not extras
A strong plan fits the care you actually use.
- 01Confirm doctors and hospitals
Check the exact plan network, medical group, and whether each provider is accepting the plan.
- 02Run every prescription
Compare formulary status, tier, pharmacy pricing, and coverage rules.
- 03Estimate a full year
Look beyond premium to copays, coinsurance, and the medical out-of-pocket limit.
- 04Then review extra benefits
Dental, vision, hearing, fitness, and allowance benefits vary by plan and service area.
Common plan types
HMO and PPO plans handle access differently.
This is a practical starting point, not a substitute for the plan evidence of coverage. Exact networks, referrals, drug coverage, and costs vary by plan and county.
HMO at a glance
Usually a more structured network: choose a primary care doctor, stay in network for routine care, and expect referrals for many specialists.
PPO at a glance
Usually more flexible access: referrals are generally not required and out-of-network care may be available, often at a higher cost.
| Compare | HMOHealth Maintenance Organization | PPOPreferred Provider Organization |
|---|---|---|
| Provider network | You generally use in-network providers, except for emergency, urgent care, and out-of-area dialysis. | You can generally use out-of-network providers that accept the plan, usually at a higher cost. |
| Primary care doctor | Usually required. | Generally not required. |
| Specialist referrals | Usually required. | Generally not required. |
| Prescription coverage | Usually included. If you want Part D, it generally must be through the HMO. | Usually included. If you want Part D, it generally must be through the PPO. |
Prior authorization: Medicare Advantage plans typically require plan approval before certain services or supplies are covered.
Selected carrier guides
Review Medicare Advantage carriers we represent
Start with a carrier guide, then confirm which plans are offered for your county and ZIP code.
Featured carrier guide
SCAN Health Plan
Explore Skyline’s 2026 SCAN county hub, available county guides, benefit-highlight downloads, and plan-comparison resources.
Explore 2026 SCAN plans
Medicare Advantage carrier guide
Alignment
Review Alignment plan guides, service-area details, and the plan information to verify before enrolling.
View carrier guide
Medicare Advantage carrier guide
Anthem
Review Anthem plan guides, then confirm county availability, providers, prescriptions, and plan costs.
View carrier guide
Medicare Advantage carrier guide
UnitedHealthcare
Review UnitedHealthcare plan guides and confirm county availability, provider networks, prescriptions, and plan costs.
View carrier guide
Medicare Advantage carrier guide
Aetna
Review Aetna plan guides and verify current availability, provider access, prescriptions, and plan rules.
View carrier guideBuild the full cost picture
A low premium does not describe the whole plan.
Compare the costs you pay every month, the costs you pay when care is used, and the plan limit that caps your spending for covered Part A and Part B services.
Compare plan types at Medicare.govPart B premiumYou continue paying it.
Plan premiumMay be zero or more.
Costs when care is usedCopays, coinsurance, and deductibles.
Annual medical limitThe plan caps covered Part A and Part B out-of-pocket costs.
Official resources
Verify plan rules before enrolling.
Personal Medicare guidance
Ready to compare Medicare Advantage plans?
Share the basics and a licensed Skyline Benefit advisor can help you compare networks, prescriptions, costs, and plan rules.
- Doctors, medical groups, hospitals, and referrals
- Prescriptions, pharmacies, premiums, and copays
- Plan availability and benefits for your home ZIP code
Start your Medicare Advantage comparison.
No obligation. Please do not include Medicare, Social Security, or medical information.
Local Medicare guidance
Meet David Keum.
Licensed Medicare advisor CA License #4005450
As an independent insurance agency, Skyline Benefit helps compare Medicare Advantage plan networks, prescriptions, costs, and plan rules with clear, personal guidance.
From our clients
Trusted Medicare guidance from a local team.
Clients consistently mention clear explanations and a simpler comparison process.
“David made things very easy to understand and the process was effortless.”
“David simplified the process by breaking everything down for us.”
FAQ
Frequently asked Medicare questions
Browse all Medicare FAQsCan I keep my current doctors?
Only if they are in the plan network and accepting that plan. We verify provider participation as part of the review.
Do Medicare Advantage plans include drug coverage?
Most do, but not all. We review your medications and pharmacy choices against the exact plan formulary.
Are zero-premium plans free?
No. You may still pay Part B premiums, copays, coinsurance, drug costs, and other plan cost-sharing.
What is a Medicare Advantage maximum out-of-pocket limit?
It is the plan limit on what you pay during the year for covered Part A and Part B services. Prescription drug costs follow separate Part D rules and do not count toward that medical limit.
How can a California Medicare Advantage broker help?
A licensed independent broker can help compare available plans around your ZIP code, doctors, hospitals, prescriptions, pharmacies, travel, costs, and plan rules. The carrier and official plan documents control coverage, and provider participation should be verified before enrollment.
Skyline Benefit is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 11 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.