Wellcare Medicare Advantage Plans in California (2026)
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Plan results are provided by Sunfire and open in a new tab. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (in California, HICAP at 1-800-434-0222) to get information on all of your options.
In California, Wellcare (owned by Centene) sells its Medicare Advantage plans under the “Wellcare by Health Net” brand rather than standalone Wellcare, since Health Net is Centene’s California subsidiary. Wellcare is generally known industry-wide for competitive, often $0-premium plans with strong over-the-counter allowances.
What Sets Wellcare Apart in California
- Sold in California specifically as “Wellcare by Health Net” – worth knowing so you recognize the branding on plan documents and ID cards.
- Predominantly HMO plans in California, with PPO, PFFS, D-SNP (dual-eligible), and C-SNP (chronic condition) options also available.
- Wellcare Spendables card – a preloaded card usable at 66,000+ national retailers for OTC items and out-of-pocket dental/vision/hearing costs. Nationally, Wellcare’s spendable/flex card amounts have ranged from $144 to $2,880 per year depending on plan tier – we’ll confirm the exact allowance on your specific California plan rather than quote a number that may not apply.
- $0 primary care copays, $0 ACIP-recommended vaccines, a $35 insulin cap, and Wellcare Rewards, which offers incentives for completing preventive visits and screenings.
- Worth knowing: Wellcare’s star ratings have historically run lower than the industry average (roughly 3 stars vs. a national average near 3.9, with California HMO plans reported around 3-3.5 stars in recent reviews) – we recommend checking the current-year CMS rating for the specific plan you’re considering, since this can change annually and often correlates with lower premiums.
Where Wellcare Is Most Competitive in California
- Los Angeles County (largest California market)
- San Diego County
- Santa Clara / Bay Area counties
- Fresno, Kings & Madera counties (tri-county D-SNP dual-eligible coverage via the CalViva Health partnership)
Wellcare’s California presence is regional rather than statewide – it covers 13 California counties for 2026, though the full published list wasn’t available in our research. Confirm current availability for your specific ZIP code, since Wellcare’s footprint is narrower than some larger national carriers.
Fitness Benefit
In California, Wellcare’s fitness benefit is One Pass – not SilverSneakers. One Pass provides access to 15,000+ gym and studio locations nationwide, on-demand fitness classes, and home fitness kits.
Household / Multi-Policy Discount
We found no evidence that Wellcare offers a household or multi-policy discount on its Medicare Advantage plans, in California or elsewhere. This type of discount is generally a Medicare Supplement (Medigap) feature rather than something available on Medicare Advantage plans.
Frequently Asked Questions
Why does my Wellcare plan say “Health Net” on it?
In California, Wellcare Medicare Advantage plans are sold under the “Wellcare by Health Net” brand, since Health Net is Centene’s California subsidiary. It’s the same underlying Wellcare/Centene plan.
Does Wellcare use SilverSneakers?
No – in California, Wellcare’s fitness benefit is called One Pass, a different program with a large network of gyms and studios.
How much is the Spendables card worth?
It varies by plan – nationally Wellcare’s flex card amounts have ranged widely by plan tier. We’ll confirm the exact dollar amount for the specific California plan you’re considering.
Get a Free Wellcare Medicare Advantage Quote
Plan availability, star ratings, and extra benefits can vary significantly by ZIP code and change every year during the Medicare Annual Enrollment Period. As independent, licensed California agents, we compare Wellcare against every other major carrier so you can see the full picture before you enroll.
Call 855-847-7020 ext. 3 to speak with a licensed agent
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Want help comparing these plans against Original Medicare plus a Medigap policy? Call (855) 847-7020 ext. 3 or schedule an appointment. There is no cost to you.
Did this plan change on you at renewal? California law gives you a guaranteed issue right to a Medicare Supplement policy, with no health questions, if your Medicare Advantage plan reduces a benefit, raises your premium or cost sharing, or drops a doctor who is currently treating you. There is no minimum percentage for that right with your own carrier, whatever you may have been told. Read how the rule actually works, or call (855) 847-7020 ext. 3 and we will read your Annual Notice of Change with you.
Plan details and figures on this page reflect the 2026 plan year and were reviewed in August 2026. Benefits, premiums, provider networks and star ratings change every year and vary by county.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (in California, HICAP at 1-800-434-0222) to get information on all of your options.
California Health Agents is a licensed independent insurance agency, NPN 14924332. We are not affiliated with or endorsed by the United States government, the federal Medicare program, Covered California, the California Department of Insurance, or the Department of Managed Health Care. Enrollment in a Medicare Advantage plan depends on contract renewal. Quotes and plan summaries are estimates and are not a contract, guarantee of coverage, or offer of insurance.