Senior Care (HMO I-SNP)
Align Senior Care · HMO I-SNP · 2027 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $7.30
- Highest of 5 plans here
- Most you pay in a year for covered care in network
- $9,850
- Tied for highest here
- Drug deductible
- $700
- Tied for highest here
- Medicare star rating
- No rating yet
This is a special needs plan. Only some people can join: Institutional.
In plain English
Compared with the 4 other plans in Orange County that the same person could join.
What stands out
- Dental, vision and hearing extras included
Watch out for
- $7.30 monthly premium, highest of 5 plans here
- Up to $9,850 a year for covered care, tied for highest here
- $1,175 for a 5-day hospital stay, highest of 4 plans here
- $115 for the emergency room, higher than most plans here
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$87.60$87.60 in premiums + $0 for careHighest of 5 plans here2 checkups and 2 lab tests.
- A busier year$127.60$87.60 in premiums + $40 for careHighest of 5 plans here4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.Not counted, because the plan charges a percentage: Specialist visit.
- A hard year$1,377.60$87.60 in premiums + $1,290 for careHighest of 5 plans here6 checkups, 12 specialist visits, 6 lab tests, 2 scans, an ambulance ride, an ER visit and a 5-day hospital stay.Not counted, because the plan charges a percentage: Specialist visit, MRI, CT and other scans, Ground ambulance.
The visit counts are examples we chose to show how costs add up, not a prediction. Your costs depend on the care you get.
What you pay for care
Your cost each time, at doctors and hospitals in the plan’s network.
- Primary care visit$0
- Specialist visit0% to 20%Depends on the service
- Urgent care$40Tied for highest here
- Emergency room$115Higher than most plans hereNot charged if you stay in the hospital within 3 days
- Hospital stay$235 a day for days 1 to 10, then $0 for days 11 to 90Highest of 4 plans herePlan approval may be needed
- Lab tests$0Plan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center20%Plan approval may be needed
- Outpatient hospital care20%
- X-rays$0Plan approval may be needed
- MRI, CT and other scans20%Plan approval may be needed
- Ground ambulance20%Plan approval may be needed
- Skilled nursing facility$0 for days 1 to 100Plan approval may be needed
From the costs the plan filed with Medicare for 2027. A range like “$0 to $100” means the cost depends on the service or the place. “Lower than most” compares this plan with the 4 other plans in Orange County that the same person could join. Read the plan’s 2027 booklet (PDF)
Extras
Help Original Medicare doesn’t give you.
- Dental IncludedCleanings and exams: $0. Fillings, crowns and dentures: you pay $0.Cleanings and exams: plan pays up to $3,000 a year. Plan pays up to $3,000 a year for all dental.
- Vision IncludedRoutine eye exam covered. Glasses or contacts covered.Eyewear: plan pays up to $275 a year.
- Hearing IncludedRoutine hearing test covered. Hearing aids covered.Hearing aids: plan pays up to $1,550 a year, both ears.
- Over-the-counter items IncludedCovered for things like vitamins, pain relief and bandages.
- Fitness Not included
- Rides to care Included24 one-way rides to medical visits a year.
What changed from 2026
- Monthly premium2026$12 a month2027$7.30 a month
- Most you pay in a year2026$9,2502027$9,850
- Drug deductible2026$6152027$700
- Emergency room2026$902027$115
- Dental2026Cleanings and exams: $0. Fillings, crowns and dentures: you pay $0. Plan pays up to $3,000 a year2027Cleanings and exams: $0. Fillings, crowns and dentures: you pay $0. Cleanings and exams: plan pays up to $3,000 a year. Plan pays up to $3,000 a year for all dental
Is my doctor in this plan?
Look up your doctors, then confirm with their office.
Call each doctor’s office and ask:
“Do you take Senior Care (HMO I-SNP), plan number H3274-001, for 2027?”
Check my medicines
See if this plan covers each medicine you take in 2027.
Type the name on the bottle. Add the strength to narrow it down.
Add each medicine once. We’ll show if this plan covers it, what a month costs, and any rules.