Advantage Care (HMO)
Align Senior Care · HMO · 2027 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $0
- Most you pay in a year for covered care in network
- $2,900
- Higher than most plans here
- Drug deductible
- $150
- Lower than most plans here
- Medicare star rating
- No rating yet
In plain English
Compared with the 46 other plans in Riverside County that the same person could join.
What stands out
- No monthly premium
- $0 for a 5-day hospital stay, tied for lowest here
- $90 for the emergency room, tied for lowest here
- $150 drug deductible, lower than most plans here
Watch out for
- Up to $2,900 a year for covered care, higher than most plans here
- $40 for urgent care, higher than most plans here
- No hearing extra, though most plans here have one
- Covers only the plan’s own doctors and hospitals, except in an emergency or for urgent care
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$0$0 in premiums + $0 for care2 checkups and 2 lab tests.
- A busier year$40$0 in premiums + $40 for care4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.
- A hard year$215$0 in premiums + $215 for careLower than most 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: MRI, CT and other scans.
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 visit$0
- Urgent care$40Higher than most plans here
- Emergency room$90Tied for lowest hereNot charged if you stay in the hospital within 3 days
- Hospital stay$0 per stayTied for lowest 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 care$0 to $225Depends on the service
- X-rays$0Plan approval may be needed
- MRI, CT and other scans20%Plan approval may be needed
- Ground ambulance$125Lower than most plans herePlan 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 46 other plans in Riverside County that the same person could join. Read the plan’s 2027 booklet (PDF)
What medicines cost
| Drug tier | Network pharmacy |
|---|---|
| 1Preferred Generic | $0 |
| 2Generic | $10 |
| 3Preferred BrandAfter the deductible | 25% of the price |
| 4Non-Preferred DrugAfter the deductible | 25% of the price |
| 5Specialty TierAfter the deductible | 31% of the price |
For a 1-month supply. The $150 drug deductible applies only to the tiers marked. Covered insulin costs at most $35 for a month’s supply. Your medicine’s tier is on the plan’s drug list; check it below.
Check my medicines
See if this plan covers each medicine you take in 2027, and what a month costs.
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.
Extras
Help Original Medicare doesn’t give you.
- Dental IncludedCleanings and exams: $0. Fillings, crowns and dentures: you pay $0.Plan pays up to $2,200 a year.
- Vision IncludedRoutine eye exam covered. Glasses or contacts covered.Eyewear: plan pays up to $225 a year.
- Hearing Not included
- 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
- Most you pay in a year2026$1,9002027$2,900
- Drug deductible2026$02027$150
- 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. Plan pays up to $2,200 a year
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 Advantage Care (HMO), plan number H3274-005, for 2027?”