Alignment Health My Choice Select (HMO)

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

It's important to know that Alignment Health My Choice Select (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 Select (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 Select (HMO) Medicare plan features an Enhanced Alternative drug benefit with no prescription drug deductible. During the initial coverage phase, which continues until total drug costs reach $2,100, you will pay a $5 copay for preferred generics, a $30 copay for standard generics, and a $100 copay for preferred brands at standard pharmacies or via standard mail. Non-preferred drugs require a 33% coinsurance, while specialty tier drugs are available for a $3 copay. Once your yearly out-of-pocket drug costs exceed $2,100, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Furthermore, beneficiaries who qualify for the low-income subsidy, also known as Extra Help, will pay a $0 Part D premium. This plan ensures predictable drug costs across standard retail and mail-order options.

Additional Benefits

The Alignment Health My Choice Select (HMO) plan offers robust coverage with predictable out-of-pocket costs, featuring no copay or coinsurance for preventive services, annual physicals, and urgent care. For emergency room visits, there is a $70 copay with no coinsurance, which is waived if you are admitted within 48 hours, while ambulance services require a $75 copay. Inpatient psychiatric stays have a $120 daily copay for the first 10 days and no copay for days 11 through 90, while outpatient services are covered with no deductible. This plan also includes valuable supplemental benefits like a $200 annual eyewear allowance, up to $2,000 in yearly dental coverage, and routine hearing exams with no deductible. Prescription hearing aids are covered with copays ranging from $195 to $1,750, and members receive a $20 monthly over-the-counter reimbursement. Skilled nursing facility care features no copay for the first 20 days and a $30 daily copay for days 21 through 100, helping you manage recovery costs effectively.