Elite Core HMO (HMO)
Elite Health Plan, 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
- $2,400
- Drug deductible
- $150
- Lower than most plans here
- Medicare star rating
- No rating yet
In plain English
Compared with the 69 other plans in Los Angeles County that the same person could join.
What stands out
- No monthly premium
- $150 drug deductible, lower than most plans here
- Dental, vision and hearing extras included
Watch out for
- Dental: plan pays up to $600 a year, less than most plans here
- You need a referral to see a specialist
- 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$0$0 in premiums + $0 for careTied for lowest here4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.
- A hard year$925$0 in premiums + $925 for careHigher 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$0Referral neededPlan approval may be needed
- Urgent care$0
- Emergency room$150Not charged if you stay in the hospital within 48 hours
- Hospital stay$0 for days 1 to 3, then $150 a day for days 4 to 15, then $0 for days 16 to 90Referral 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$0Referral neededPlan approval may be needed
- Outpatient hospital care$125Higher than most plans here
- X-rays$0Referral neededPlan approval may be needed
- MRI, CT and other scans$75Higher than most plans hereReferral neededPlan approval may be needed
- Ground ambulance$325Higher than most plans herePlan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $125 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 69 other plans in Los Angeles 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 | $47 |
| 4Non-Preferred DrugAfter the deductible | 25% of the price |
| 5Specialty TierAfter the deductible | 31% of the price |
| 6Select Care Drugs | $0 |
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.Cleanings and exams: plan pays up to $600 a year. Plan pays up to $600 a year for all dental.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $100 a year.
- Hearing IncludedHearing test: $0. Hearing aids covered.
- Over-the-counter items IncludedCovered for things like vitamins, pain relief and bandages.
- Fitness IncludedIncludes gym or fitness classes, an activity tracker and memory fitness.
- Rides to care Included12 one-way rides to medical visits a year.
What changed from 2026
- Most you pay in a year2026$1,4992027$2,400
- Drug deductible2026$02027$150
- Hospital stay2026$100 a day for days 1 to 5, then $0 for days 6 to 902027$0 for days 1 to 3, then $150 a day for days 4 to 15, then $0 for days 16 to 90
- X-rays2026$502027$0
- MRI, CT and other scans202620%2027$75
- Ground ambulance2026$2252027$325
- Skilled nursing facility2026$0 for days 1 to 20, then $100 a day for days 21 to 1002027$0 for days 1 to 20, then $125 a day for days 21 to 100
- Dental2026Cleanings and exams: $0. Fillings, crowns and dentures covered2027Cleanings and exams: $0. Fillings, crowns and dentures: you pay $0. Cleanings and exams: plan pays up to $600 a year. Plan pays up to $600 a year for all dental
- Vision2026Yearly eye exam: $0. Glasses or contacts covered. Eyewear: plan pays up to $300 a year2027Yearly eye exam: $0. Glasses or contacts covered. Eyewear: plan pays up to $100 a year
- Over-the-counter items2026Up to $90 every three months for things like vitamins, pain relief and bandages. Unused money does not carry over2027Covered for things like vitamins, pain relief and bandages
- Rides to care202610 one-way rides to medical visits a year202712 one-way rides to medical visits 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 Elite Core HMO (HMO), plan number H6368-002, for 2027?”