Hoag Medicare Advantage Changes for 2027: What to Review

What is changing with SCAN and UnitedHealthcare?

Hoag is leaving SCAN's Medicare Advantage HMO network completely when its contract ends December 31, 2026. Beginning January 1, 2027, Hoag providers and facilities will no longer be in network under those plans.

Hoag is also ending participation in all existing 2026 UnitedHealthcare Medicare Advantage plans for 2027. However, UnitedHealthcare is introducing a new 2027 plan that contracts with Hoag. Staying with UnitedHealthcare does not automatically mean you will keep Hoag—you need to review the specific plan you will have next year.

If your plan continues for 2027 but no longer contracts with Hoag, staying enrolled may mean changing your primary doctor, medical group or specialists. Ask your plan how the change affects referrals, hospitals and upcoming care. If your plan is ending entirely, check the notice for your replacement options and whether you need to choose new coverage.

Changing providers may work for some people. If you want to keep your Hoag care team, review your options before accepting a renewal or replacement plan. Save any letter from your plan or provider group and bring it to your review.

If you would rather keep your Hoag providers, there are two coverage paths to compare: Original Medicare with a Medicare Supplement and separate drug plan, or another Medicare Advantage plan that includes your doctors and facilities.

Option 1: Original Medicare with a Medicare Supplement

Original Medicare is Part A and Part B. You can generally see any doctor or hospital that accepts Medicare, so we would confirm that your specific Hoag providers accept it. A Medicare Supplement policy, also called Medigap, helps pay some of the costs Original Medicare leaves to you. You pay a separate premium for the Supplement and continue paying your Part B premium.

Medicare Supplement policies sold today do not include outpatient prescription coverage. If you want drug coverage, you generally add a separate Part D plan. We would check your medications and pharmacy when comparing that plan too.

Could you qualify for a Medicare Supplement without medical underwriting?

Possibly. A guaranteed issue right means an insurer cannot turn you down for an eligible Medicare Supplement policy because of your health. California law may provide this right when a Medicare Advantage plan ends its relationship with a provider who is currently treating you, if the legal conditions are met. Other circumstances, such as a plan ending, can create rights too.

A network change alone does not tell us whether you qualify. If you do not have a guaranteed issue right or another enrollment protection, a Supplement insurer may use medical underwriting. I can review your notice, available policies and application timing with you before you leave your current coverage. Keep every letter you receive about the change.

Option 2: Another Medicare Advantage plan with Hoag providers

A Medicare Advantage plan with prescription drug coverage is often called an MAPD plan. It keeps the Medicare Advantage structure you may already know: your Part A and Part B benefits come through a private plan, and Part D drug coverage is included. Each plan has its own provider network, medical costs, drug list and yearly out-of-pocket limit for covered medical services.

I can compare plans from the carriers I represent, then confirm which are available in your ZIP code and include your exact Hoag primary doctor, specialists and facilities. A Hoag hospital appearing in a directory does not confirm that every Hoag doctor you use is in the same plan.

We would also compare your prescriptions, pharmacy, deductibles, copays and maximum out-of-pocket costs. Once you choose a plan that fits your care and budget, I can help you enroll. There is no separate cost to you for my help; if a policy is issued, the insurance carrier pays me.

Which Medicare Advantage options will include Hoag?

UnitedHealthcare's new AARP Medicare Advantage from UHC CA – 46 plan contracts with Hoag for 2027. Hoag is also available through select Alignment Health plans, and Hoag lists Medicare Advantage options from Anthem. We will confirm which plans are available where you live and include the providers you want to keep.

Hoag is available in select plans from these carriers. They offer several plans, and not all include Hoag. Some plans have smaller networks of doctors and hospitals. Even when a plan includes Hoag, we still need to check your individual doctors, specialists and facilities in that plan's 2027 provider directory and confirm with both the plan and providers.

A benefits review helps you look at the whole plan: your doctors, prescriptions, pharmacy and what you would pay for care. Book a phone call with me and we can compare the plans I represent that are available in your ZIP code, check your Hoag providers and confirm any enrollment steps before you make a change.

Hoag's Medicare plan information ↗

How can I help you choose the right path?

Schedule a Medicare plan review by phone. Before our call, gather the names of your primary doctor and specialists, a list of your prescription drugs with doses, and your preferred pharmacy. Have your current plan name and any network-change notice handy too.

I will help verify the Hoag providers you want to keep, review whether a Medicare Supplement guaranteed issue right may apply, and compare that path with available Medicare Advantage plans. We will look at your doctors, prescriptions and costs together. Once you decide and we confirm eligibility and effective dates, I can help you enroll in the coverage you choose.

The Medicare Annual Enrollment Period (AEP) runs October 15 through December 7 for changes generally effective January 1. Do not cancel your current coverage until the replacement path and effective date are confirmed.