Imperial Courage Plan (HMO)
Imperial Health Plan of California, Inc. · 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
- $2,999
- Lower than most plans here
- Drug coverage
- Not included
- You would need a separate drug plan
- Medicare star rating
- No rating yet
In plain English
Compared with the 16 other plans in Ventura County that the same person could join.
What stands out
- No monthly premium
- At most $2,999 a year for covered care, lower than most plans here
- $750 for a 5-day hospital stay, lower than most plans here
- $125 for the emergency room, lower than most plans here
Watch out for
- No dental extra, though most plans here have one
- No vision extra, though most plans here have one
- No hearing extra, though most plans here have one
- You need a referral to see a specialist
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$20$0 in premiums + $20 for care4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.
- A hard year$1,085$0 in premiums + $1,085 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.
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$5Referral neededPlan approval may be needed
- Urgent care$0
- Emergency room$125Lower than most plans hereNot charged if you stay in the hospital within 48 hours
- Hospital stay$150 a day for days 1 to 5, then $0 for days 6 to 90Lower than most plans hereReferral neededPlan approval may be needed
- Lab tests$0Referral neededPlan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$200Higher than most plans hereReferral neededPlan approval may be needed
- Outpatient hospital care$200
- X-rays$0Referral neededPlan approval may be needed
- MRI, CT and other scans$0Referral neededPlan approval may be needed
- Ground ambulance$150Lower than most plans herePlan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $200 a day for days 21 to 100Referral neededPlan 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 16 other plans in Ventura County that the same person could join. Read the plan’s 2027 booklet (PDF)
Extras
Help Original Medicare doesn’t give you.
- Dental Not included
- Vision Not included
- Hearing Not included
- Over-the-counter items Not included
- Fitness Not included
- Rides to care Not included
What changed from 2026
- Dental2026Cleanings and exams: $0. Fillings, crowns and dentures: you pay $0. Cleanings and exams: plan pays up to $500 a year. Plan pays up to $1,500 a year2027Not covered
- Vision2026Yearly eye exam: $0. Glasses or contacts covered. Eyewear: plan pays up to $250 a year2027Not covered
- Hearing2026Hearing test: $0. Hearing aids covered. Hearing tests: plan pays up to $250 a year. Hearing aids: plan pays up to $500 a year, both ears2027Not covered
- Over-the-counter items2026Up to $75 every three months for things like vitamins, pain relief and bandages. Unused money does not carry over2027Not covered
- Fitness2026Includes gym or fitness classes and an activity tracker2027Not covered
- Rides to care2026100 one-way rides to medical visits a year2027Not covered
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 Imperial Courage Plan (HMO), plan number H5496-016, for 2027?”