Alignment Health My Choice (HMO)

Alignment Health My Choice (HMO) is a HMO plan offered by Alignment Healthcare USA, LLC available for enrollment in 2025 to people living in LA, Orange, San Bernardino & Riverside Counties. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that Alignment Health My Choice (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Alignment Health My Choice (HMO).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The Alignment Health My Choice (HMO) prescription drug plan offers an enhanced alternative benefit with no prescription drug deductible. During the initial coverage phase, you pay a $5 copay for preferred generics, a $30 copay for standard generics, and a $100 copay for preferred brands at standard pharmacies and standard mail. Non-preferred drugs require a 33% coinsurance, while specialty tier drugs carry a $3 copay under these same standard options. After your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Additionally, this plan features no Part D premium for individuals who qualify for the full low-income subsidy.

Additional Benefits

The Alignment Health My Choice (HMO) plan offers robust medical coverage, featuring inpatient acute hospital stays, preventive services, and urgent care with no copays or coinsurance. Other essential medical services require low, predictable costs, such as a $70 copay for emergency care, a $75 copay for ambulance services, and a $30 copay for dialysis. Skilled nursing facility stays are also covered with no copay or coinsurance for the first 20 days, followed by a $30 daily copay for days 21 through 100. For ancillary care, the plan includes routine hearing and vision exams with no copay, up to $200 annually for eyewear, and dental care with comprehensive copays ranging from $15 to $570. Durable medical equipment and therapeutic radiology are covered with no copay and coinsurance up to 20%, while medical supplies carry a flat 20% coinsurance. Additional plan perks feature a $20 monthly over-the-counter allowance, meal benefits for chronic conditions, and unlimited acupuncture with a referral.