Medicare Plans in
San Luis Obispo County, CA

17 Medicare Advantage Plans Found in San Luis Obispo County. See Plans

San Luis Obispo County, CA
Medicare Information

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For San Luis Obispo County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 17 private Medicare plans are available in San Luis Obispo County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

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Talk to a licensed agent today to find a plan that fits your needs.


For San Luis Obispo County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare, and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 17 private Medicare plans are available in San Luis Obispo County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

MA plans, which are also referred to as Medicare Part C, may offer additional benefits that aren't available through Original Medicare.

Part D plans, also referred to as PDPs, cover retail prescription drugs.

Some Medicare Part C plans include coverage for prescription medications. Known as Medicare Advantage Prescription Drug plans, or MAPDs, these plans offer comprehensive coverage for seniors who want to minimize their out-of-pocket costs.

Learn more about some of the Medicare plans in San Luis Obispo County, California, including average costs, out-of-pocket expenses and what’s involved in obtaining prescription drug coverage.

Average Cost of Medicare
Plans in San Luis Obispo County

Average Cost of Medicare Advantage Plans in San Luis Obispo County, California
Average Monthly Premium $28.70
Average in-network out-of-pocket spending limit $4,370.53
Average drug deductible in 2024 (weighted) $430.00
Percentage of plans rated 4 stars or higher 64.7%
Average Cost of Medicare Advantage Plans in San Luis Obispo County, California
Average Monthly Premium
$28.70
Average in-network out-of-pocket spending limit
$4,370.53
Average drug deductible in 2021 (weighted)
$430.00
Percentage of plans rated 4 stars or higher
64.7%

Learn More About Medicare
Prescription Drug Plans

San Luis Obispo County Medicare beneficiaries who are interested in a private Medicare policy may choose among the following types of plans, depending on their needs and circumstances:
Plan Type Description
HMO HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
PPO Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
PFFS Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
SNP Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.
Plan Type and Description
HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.

Some beneficiaries may be eligible for standalone prescription drug plans. Otherwise known as a PDP or Part D plan, a standalone prescription drug plan adds coverage for prescription medications to Original Medicare and some PFFS plans. It’s important to note that some MA plans, such as HMOs, may disenroll members who sign up for a separate drug plan.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

Medicare Advantage Plans

Aetna Inc.

Aetna Inc. Medicare Plans in San Luis Obispo County, CA

The following table includes cost information and other plan details for Aetna Inc. private Medicare plans available in California in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Aetna Medicare Core Plan (PPO) H5521: 425 $0 $0 $5,900 Yes
4 out of 5
Aetna Medicare Eagle Plus Plan (PPO) H5521: 369 $0 N/A $6,700 No
4 out of 5
Aetna Medicare Elite Plan (PPO) H5521: 371 $27 $0 $5,500 Yes
4 out of 5
Humana Inc.

Humana Inc. Medicare Plans in San Luis Obispo County, CA

The following table includes cost information and other plan details for Humana Inc. private Medicare plans available in California in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Humana Gold Plus H5619-150 (HMO) H5619: 150 $0 $200 $5,000 Yes
4 out of 5
Humana Gold Plus SNP-DE H5619-038 (HMO D-SNP) H5619: 038 $0 $0 $8,850 Yes
4 out of 5
Humana Gold Plus H5619-119 (HMO) H5619: 119 $0 $0 $1,000 Yes
4 out of 5
Humana Gold Plus H5619-148 (HMO) H5619: 148 $25 $0 $3,200 Yes
4 out of 5

Kaiser Foundation Health Plan, Inc.

Kaiser Foundation Health Plan, Inc. Medicare Plans in San Luis Obispo County, CA

The following table includes cost information and other plan details for Kaiser Foundation Health Plan, Inc. private Medicare plans available in California in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Senior Advantage Medicare Medi-Cal South P5 (HMO D-SNP) H8794: 005 $0 $545 $3,400 Yes
Plan too new to be measured
Kaiser Permanente Senior Advantage Ventura (HMO) H0524: 034 $0 $0 $1,999 Yes
4 out of 5
Kaiser Permanente Senior Advantage Ventura Value (HMO) H0524: 083 $0 $0 $2,900 Yes
4 out of 5
Kaiser Permanente Senior Advantage Basic Kern (HMO) H0524: 036 $0 $0 $2,900 Yes
4 out of 5
Kaiser Permanente Senior Advantage Enhanced Kern (HMO) H0524: 035 $29 $0 $1,500 Yes
4 out of 5
UnitedHealthcare

UnitedHealthcare Medicare Plans in San Luis Obispo County, CA

The following table includes cost information and other plan details for UnitedHealthcare private Medicare plans available in California in 2024.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) H0543: 121 $0 N/A $4,900 No
3.5 out of 5
UHC Complete Care CA-036P (HMO-POS C-SNP) H0543: 248 $19 $0 $3,400 Yes
3.5 out of 5
UHC Complete Care CA-07AP (HMO C-SNP) H0543: 247 $24 $545 $8,850 Yes
3.5 out of 5
AARP Medicare Advantage from UHC CA-0016 (HMO-POS) H0543: 167 $29 $0 $3,400 Yes
3.5 out of 5
AARP Medicare Advantage from UHC CA-0039 (PPO) H0294: 047 $48 $0 $4,900 Yes
3.5 out of 5