2026 Medicare Advantage Plans Long Beach: Premiums, Doctors, and Drug Coverage

Premiums may look steady, but the 2026 Medicare Advantage plans in Long Beach are shifting costs into copays, out-of-pocket limits, and prescription rules. The plan you had in 2025 may not protect you the same way this year — and if you don’t compare carefully, you could end up paying hundreds more for doctors, hospital stays, or your prescriptions.

Skyline Benefit is an independent Medicare insurance broker. We specialize in helping seniors in Long Beach compare Medicare Advantage plans from top carriers like Anthem, Blue Shield, SCAN, Aetna, and Humana — confirming your doctors and prescriptions, and enrolling you in the right coverage at no extra cost.

How Much Do 2026 Medicare Advantage Plans Cost in Long Beach?

CMS confirmed that average Medicare Advantage premiums will fall again in 2026, the second straight year. Oversight, insurer rebates, and competition are driving costs down — but that doesn’t mean your total bill is shrinking. Pay close attention to:

• MOOP (Maximum Out-of-Pocket): your annual spending ceiling
• Specialist & hospital copays: where costs add up
• Drug deductibles: $615 standard unless waived by your plan

Which Doctors Accept 2026 Medicare Advantage Plans in Long Beach?

Networks define your care.

• HMO plans: You must use in-network doctors and hospitals (Cedars-Sinai, UCLA, Keck/USC, Providence, PIH are included in many networks).
• PPO plans: Offer flexibility, but out-of-network visits cost more — and not all providers accept them.

Always confirm your PCP and specialists before you enroll.

What Prescription Drug Changes Should You Expect in 2026?

Drug coverage is a major factor for most seniors. In 2026, Medicare Advantage plans in Long Beach include:

• $0 copays for Tier 1 & 2 generics at preferred pharmacies
• $2,100 out-of-pocket drug cap — after that, covered prescriptions are $0
• Insulin capped at $35/month
• All ACIP vaccines free (including shingles, flu, COVID-19, pneumonia)

Long Beach Medicare Advantage Extras You Shouldn’t Miss

Many Long Beach Medicare Advantage plans are expanding extras:

• Dental benefits for cleanings, dentures, and even implants
• Vision coverage for exams + eyewear
• Hearing aid allowances worth hundreds or more
• SilverSneakers + global emergency coverage

When Can You Enroll in a 2026 Medicare Advantage Plan in Long Beach?

The Medicare Open Enrollment Period runs from October 15 – December 7, 2025. Any changes you make take effect January 1, 2026. This is your chance to switch plans, compare options, or confirm your current coverage still works for you.

Need Help With 2026 Medicare Advantage Plans in Long Beach?

Skyline Benefit is an an independent Medicare insurance broker that helps seniors review 2026 Medicare Advantage plans in Long Beach, confirm doctors and prescriptions, and lock in coverage that protects both health and budget — at no cost to you.

Schedule a consultation today. Call us at: (714) 888-5112