Alignment Health Heart & Diabetes (HMO-POS C-SNP)

Alignment Health Heart & Diabetes (HMO-POS C-SNP) is a HMO-POS C-SNP plan offered by Alignment Healthcare USA, LLC available for enrollment in 2025 to people living in El Paso, Hudspeth. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that Alignment Health Heart & Diabetes (HMO-POS C-SNP) 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 Heart & Diabetes (HMO-POS C-SNP).

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 Heart & Diabetes (HMO-POS C-SNP) plan features a $0 prescription drug deductible, meaning your coverage begins immediately. For Tier 1 preferred generic and Tier 2 generic medications, there is no copay for one, two, or three-month supplies filled at standard pharmacies or through standard mail order. Tier 6 select care drugs are also highly affordable, costing a $5 copay for a one-month supply, a $10 copay for a two-month supply, and no copay for a three-month supply. For higher-tier medications, costs are structured as fixed copays or percentage-based coinsurance. Tier 3 preferred brand drugs require a $45 copay per month, while Tier 4 non-preferred drugs carry a 32% coinsurance across standard pharmacy and mail-order fills. Tier 5 specialty drugs require a 33% coinsurance for a one-month supply, which is the only supply duration available for this tier.

Additional Benefits

The Alignment Health Heart & Diabetes (HMO-POS C-SNP) plan offers robust medical coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist visits require a $15 copay, while inpatient hospital stays have a $200 daily copay for the first five days and no copay for days six through 90. Emergency room visits carry a $120 copay, and outpatient hospital services require a $100 copay, both with no coinsurance. For supplemental care, members benefit from no copay and no coinsurance on routine dental services up to a $2,000 annual limit, routine vision exams with a $200 eyewear allowance, and up to 50 one-way transportation trips per year. Prescription hearing aids are covered with a copay ranging from $195 to $1,750, and the plan also provides a $40 monthly over-the-counter allowance. Other benefits include no copay for acupuncture and meals, though dialysis and durable medical equipment may require up to 20% coinsurance.