Medicare in Santa Cruz County, California

The Local Health Landscape

Santa Cruz County's coastal Medicare community relies on a Dignity flagship plus Watsonville's community hospital for the Pajaro Valley.

Hospitals Serving Santa Cruz County

• Dominican Hospital (Dignity Health), Santa Cruz
• Watsonville Community Hospital

Medicare Plan Types Available in Santa Cruz County

Beneficiaries here choose among Medicare Advantage (Part C), standalone Part D drug plans, and Medigap supplements — availability and pricing are zip-code specific.

Find a Medicare Agent in Santa Cruz

Licensed Medicare agents serving Santa Cruz County can help you compare plans and enroll at no cost to you. They’re familiar with the specific plans available in the Santa Cruz area and throughout Santa Cruz County.

Find an Agent in Santa Cruz County →

Compare Plans in Santa Cruz County

Enter your zip code to see Medicare Advantage, Part D, and Medigap plans available in Santa Cruz County.

Compare Plans at PlanMatch.com →

Senior Services in Santa Cruz County

• HICAP (Free Medicare Counseling): Call 1-800-434-0222 to reach your local Santa Cruz County HICAP office
• Area Agency on Aging: Contact your local AAA for senior programs, Meals on Wheels, and transportation assistance
• In-Home Supportive Services (IHSS): Apply through Santa Cruz County Department of Social Services
• Medi-Cal: Apply through your county office or at CoveredCA.com

Key Medicare Information

• Medicare Advantage plans — All-in-one coverage, many $0 premium options
• Medigap plans — Supplement Original Medicare, California birthday rule applies
• Part D drug plans — $2,100 annual out-of-pocket cap in 2026
• Medi-Cal dual eligibility — Extra benefits for low-income beneficiaries
• Medicare Savings Programs — Help with premiums and cost-sharing