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Medicare Advantage Plans in San Mateo County, CA
Looking for Medicare Advantage plans in San Mateo County? Enter your ZIP below to compare affordable monthly premium plans in your area.
San Mateo County, CA, is home to 13 Medicare Advantage (Medicare Part C) plans in 2025.
Learn more about Medicare Advantage in California or call to speak with a licensed insurance agent who can help you compare San Mateo County Medicare Advantage plans and – if you're eligible – help you enroll.
We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.
2025 San Mateo Medicare Advantage Plans
San Mateo Medicare Advantage plans can come in several different forms. The two most popular types are HMO and PPO plans.
HMO (Health Maintenance Organization) plans utilize a network of participating doctors and other health care providers around the Bay Area. Care is typically not covered by the plan when received outside of the network.
PPO (Preferred Provider Organization) plans are also available in San Mateo County in 2025. These plans offer some more flexibility when choosing a doctor and allow for some coverage outside of the plan’s intended network.
Learn more and review this list of 2025 San Mateo Medicare Advantage plans.
2025 Medicare Advantage plans in San Mateo County
| 2025 Medicare Advantage Plans in San Mateo | |
|---|---|
| Number of unique plans | 13 |
| Average monthly premium | $16.54 |
| Average (in-network) out-of-pocket maximum | $5,099.85 |
| Average Medicare Star Rating* | 3.46 |
While the number of unique plans in any county can change slightly every year, the table above presents a good idea of what you can expect to see in 2025.
The average monthly premium for Medicare Advantage plans in San Mateo is $16.54 per month in 2025, though there may be plans available where you live that feature different premiums.
Medicare Advantage plans in San Mateo County have an average Medicare Star Rating of 3.46 in 2025.* Plans rated four stars or higher are considered top-rated Medicare plans.
Premiums, deductibles and other costs may vary. The numbers reported in the table above are taken from the Centers for Medicare & Medicaid Services (CMS). A licensed insurance agent will be able to help you review and compare costs for specific plans available in California or wherever you may live.
* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. 2025 Star Ratings have not yet been released but will be updated on this page as soon as the data is available.
List of Medicare Advantage plans in San Mateo County
The following table includes cost information and other plan details for Medicare Advantage plans available in San Mateo in 2025.
| Plan Name | Plan Code | Monthly Premium | Deductible | Out of Pocket Max | Prescription Drug Coverage | Medicare Star Rating |
|---|---|---|---|---|---|---|
| Aetna Medicare Core (PPO) | H5521-425-000 | $0.00 | $590.00 | $5,900.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Core II (PPO) | H5521-581-000 | $46.00 | $590.00 | $4,900.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Eagle Plus (PPO) | H5521-369-000 | $0.00 | N/A | $6,750.00 | No | 4.5 out of 5 stars |
| Anthem Prime (HMO-POS) | H4161-005-000 | $0.00 | $0.00 | $1,200.00 | Yes | 3 out of 5 stars |
| Central Health Classic Care Plan II (HMO) | H5649-028-000 | $0.00 | $100.00 | $2,499.00 | Yes | 2.5 out of 5 stars |
| Central Health San Mateo Medicare Plan (HMO) | H5649-018-000 | $0.00 | $0.00 | $6,750.00 | Yes | 2.5 out of 5 stars |
| Central Health Valor Care Plan (HMO) | H5649-030-000 | $0.00 | N/A | $4,999.00 | No | 2.5 out of 5 stars |
| Kaiser Permanente Dual Complete North P2 (HMO D-SNP) | H8794-002-000 | $0.00 | $590.00 | $9,350.00 | Yes | Plan too new to be measured |
| Kaiser Permanente Senior Advantage Basic San Mateo (HMO) | H0524-065-000 | $0.00 | $0.00 | $6,000.00 | Yes | 4.5 out of 5 stars |
| Kaiser Permanente Sr Adv Basic Santa Clara (HMO) | H0524-062-000 | $0.00 | $0.00 | $6,000.00 | Yes | 4.5 out of 5 stars |
| Kaiser Permanente Sr Adv Enhanced Marin San Mateo (HMO) | H0524-031-000 | $67.00 | $0.00 | $3,900.00 | Yes | 4.5 out of 5 stars |
| Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) | H0524-039-000 | $65.00 | $0.00 | $3,900.00 | Yes | 4.5 out of 5 stars |
| Wellcare Low Premium (HMO) | H0562-133-000 | $37.00 | $420.00 | $4,150.00 | Yes | 3 out of 5 stars |
Fall Medicare open enrollment in San Mateo and the Bay Area
Depending on your circumstances, the fall Medicare Open Enrollment Period (also called the Annual Enrollment Period, or AEP) may be the only time you can make changes to your 2023 Medicare coverage.
The 2024 Medicare Open Enrollment Period lasts from October 15 until December 7. This period is open to all eligible Medicare beneficiaries who wish to add, drop or change Medicare plans.
Learn more about your options and find the best Medicare Advantage plan for you in the Bay Area.