Alignment Health Platinum + Instacart (HMO)

Alignment Health Platinum + Instacart (HMO) is a HMO plan offered by Alignment Healthcare USA, LLC available for enrollment in 2025 to people living in Los Angeles and Orange Counties. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that Alignment Health Platinum + Instacart (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 Platinum + Instacart (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 Platinum + Instacart (HMO) Medicare plan offers an enhanced alternative drug benefit with no prescription drug deductible. During the initial coverage phase, members pay no copay for Tier 1 preferred generic drugs at standard pharmacies or through standard mail. Other standard 30-day supply costs during this phase include a $30 copay for Tier 2 standard generic drugs and a $75 copay for Tier 3 preferred brand drugs. For higher-tier medications, standard coverage requires a 33% coinsurance for Tier 4 non-preferred drugs and a $5 copay for Tier 5 specialty drugs. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Additionally, individuals who qualify for the low-income subsidy will see their Part D cost reduced to $0.00.

Additional Benefits

The Alignment Health Platinum + Instacart (HMO) plan offers comprehensive medical coverage with affordable cost-sharing options, including no copay for Medicare-covered preventive services and urgent care. For emergency room visits, outpatient hospital care, and ambulance services, members will pay a $50 copay with no coinsurance. While many specialist and hospital services require prior authorization and referrals, inpatient psychiatric stays and partial hospitalization are accessible with predictable daily copays and no coinsurance. Beyond basic medical care, the plan provides robust wellness benefits like a routine vision exam with a $300 annual eyewear allowance, and routine hearing exams with low-copay prescription hearing aids. Dental care is covered with no coinsurance and copays ranging from $10 to $570, while up to 42 one-way transportation trips to approved locations are provided each year. Members can also take advantage of home health care, acupuncture, and monthly over-the-counter items with no copay.