Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Alignment Health L.A. (HMO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Alignment Health L.A. (HMO C-SNP) in 2025, please refer to our full plan details page.
Alignment Health L.A. (HMO C-SNP) is a HMO C-SNP plan offered by Alignment Healthcare USA, LLC available for enrollment in 2025 to people living in Los Angeles. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that Alignment Health L.A. (HMO C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Alignment Health L.A. (HMO C-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Below are a few key facts and commonly-asked questions about Alignment Health L.A. (HMO C-SNP).
The cost of a Medicare Advantage Plan is made up of four main parts.
For Alignment Health L.A. (HMO C-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $29.70. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $5.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $590.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $8850.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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.
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The Alignment Health L.A. (HMO C-SNP) plan has a $590.00 deductible for prescription drugs. After you meet your deductible, you will pay the costs for your drugs in each tier until your total drug costs reach $2000.00. If you qualify for the low-income subsidy (LIS), you will pay $29.70 for your Part D premium. Once your yearly out-of-pocket drug costs reach $2000.00, you will pay nothing for Medicare Part D covered drugs.
The Alignment Health L.A. (HMO C-SNP) plan offers a variety of benefits, including coverage for inpatient and outpatient services, with coinsurance applying to many services. It also covers ambulance and transportation services, emergency services, primary care, preventive services, and home health services. Vision and dental services are included, as well as hearing services. Additional benefits include home infusion, dialysis, and medical equipment coverage. The plan also covers other services such as acupuncture, over-the-counter items up to $165.00 per month, a meal benefit for chronic illnesses, and digital health technology support. There are no copays for home health, and diagnostic lab services, but coinsurance applies to services like outpatient, emergency, and various therapies.
Inpatient Hospital benefits, including acute and psychiatric care, are covered, but the specific cost-sharing details (copay and coinsurance) are not provided. Additional days, non-Medicare-covered stays, and upgrades for both acute and psychiatric care are not covered.
Outpatient Services are covered, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital and observation services have a 20% coinsurance, while outpatient blood services also have a 20% coinsurance. Individual and group sessions for outpatient substance abuse have a coinsurance between 20% and 20%.
Partial Hospitalization is covered, but requires prior authorization and a doctor referral. You will pay 20% coinsurance for this service.
Ambulance and Transportation Services are covered by the Alignment Health L.A. (HMO C-SNP) plan. This includes all ambulance services with a 20% coinsurance for both ground and air ambulance services, and transportation services to plan-approved health-related locations, with a maximum of 100 one-way trips per year; however, transportation services to any health-related location are not covered.
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered. Emergency Services has a 20% coinsurance, while Worldwide Emergency Coverage and Worldwide Urgent Coverage have a $75 copay. Worldwide Emergency Transportation is not covered.
The Alignment Health L.A. (HMO C-SNP) plan covers primary care physician services, chiropractic services (with a limit of 12 visits per year), occupational therapy services with 20% coinsurance, physician specialist services, mental health specialty services, other health care professional services with 20% coinsurance, psychiatric services, physical therapy and speech-language pathology services with 20% coinsurance, additional telehealth benefits, and opioid treatment program services with 20% coinsurance. Podiatry services are not covered.
The Alignment Health L.A. (HMO C-SNP) plan covers preventive services, including Medicare-covered services, annual physical exams, and additional preventive services, which require prior authorization. Additionally, the plan covers Personal Emergency Response Systems, In-Home Support Services, Support for Caregivers of Enrollees (with a $300 annual benefit), and Fitness Benefits including Memory Fitness. The plan does not cover Health Education, In-Home Safety Assessments, Medical Nutrition Therapy, Post-discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefits, Home-Based Palliative Care, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, Home and Bathroom Safety Devices and Modifications, or Counseling Services.
Hearing services include routine hearing exams, fitting/evaluation for hearing aids, and prescription hearing aids (all types), with no deductible. Routine hearing exams and fitting/evaluation for hearing aids are limited to 1 visit per year, and prescription hearing aids (all types) are limited to 2 visits per year. Prescription hearing aids - inner ear, outer ear, and over the ear, as well as OTC hearing aids, are not covered.
The Alignment Health L.A. (HMO C-SNP) plan covers routine eye exams, eyewear, contact lenses, eyeglasses (lenses and frames), eyeglass lenses, and eyeglass frames. Eyewear has a combined maximum benefit of $500 every two years, while upgrades are not covered.
Dental Services are covered, with a 20% coinsurance for Medicare Dental Services. Other Dental Services include oral exams, dental x-rays, prophylaxis (cleaning), and fluoride treatments, with one visit allowed for each service at the specified periodicity.
Orthodontic Services are covered up to a maximum of $750 every three months, while restorative services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery are also covered.
Adjunctive general services, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, while other drugs have a coinsurance between 0% and 20%.
Dialysis Services are covered, but require prior authorization and a doctor referral. You will pay a 20% coinsurance for these services.
Medical Equipment benefits include Durable Medical Equipment (DME) with a 20% coinsurance and no copay, Prosthetics/Medical Supplies with a 20% coinsurance and no copay, and Diabetic Therapeutic Shoes/Inserts with a 20% coinsurance and no copay; however, Durable Medical Equipment for use outside the home and Diabetic Supplies are not covered.
Diagnostic and Radiological Services include coverage for diagnostic procedures and lab services, with no copay and a coinsurance of at most 20%, and therapeutic radiological services with a coinsurance of at most 20%. Diagnostic Radiological Services and Outpatient X-Ray Services are not covered.
Home Health Services are covered by the Alignment Health L.A. (HMO C-SNP) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. This benefit requires prior authorization and a referral.
Cardiac Rehabilitation Services are covered, but specific services like Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. There is coinsurance for the covered services, but the exact amount is not specified.
Skilled Nursing Facility (SNF) services are covered by the Alignment Health L.A. (HMO C-SNP) plan, but the specific cost sharing details are not provided in this snippet. Additional days beyond Medicare-covered SNF stays and non-Medicare-covered SNF stays are not covered. Prior authorization and a doctor's referral are required for this benefit.
The Alignment Health L.A. (HMO C-SNP) plan covers acupuncture with a limit of 12 treatments per year, as well as over-the-counter items up to $165.00 per month, and a meal benefit for chronic illnesses or conditions that require the member to stay home. Digital health technology support is also covered. However, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, and several other services are not covered.
SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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