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Alignment Health Dual Select+ (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Alignment Health Dual Select+ (HMO-POS D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Alignment Health Dual Select+ (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
Alignment Health Dual Select+ (HMO-POS D-SNP) is a HMO-POS D-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 Dual Select+ (HMO-POS D-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 Dual Select+ (HMO-POS D-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.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Alignment Health Dual Select+ (HMO-POS D-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.
For Alignment Health Dual Select+ (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $4.80. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $615.00 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 $2900.00 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.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Alignment Health Dual Select+ (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $615. Beneficiaries can enjoy no copay for Tier 1 preferred generic drugs and Tier 6 select care drugs filled through standard pharmacies or standard mail order services. This helps lower the out-of-pocket costs for many common and essential medications. For other drug categories, the plan charges a consistent 25% coinsurance for Tier 2 generic drugs, Tier 3 preferred brand drugs, and Tier 4 non-preferred drugs. Tier 5 specialty drugs also require a 25% coinsurance for a one-month supply. These cost-sharing rates apply to both standard retail pharmacy and standard mail-order purchases during the initial coverage phase.
Additional Benefits
The Alignment Health Dual Select+ (HMO-POS D-SNP) plan offers comprehensive coverage with no copays or coinsurance for many essential healthcare services. Members can access inpatient and outpatient hospital stays, primary care and specialist visits, preventive care, and home health services at no cost. Additionally, routine hearing and vision exams, along with up to $2,700 in annual dental benefits, are covered with no copay or coinsurance. For other services, members will encounter predictable cost-sharing, such as a $135 copay for emergency room visits and daily copays for skilled nursing facility stays. Dialysis services and durable medical equipment involve a coinsurance of up to 20%, while ground ambulance services require a $100 copay. This plan also features valuable extras with no copay or coinsurance, including up to 50 one-way transportation trips per year and a $100 monthly allowance for over-the-counter items.
Inpatient Hospital See details
Alignment Health Dual Select+ (HMO-POS D-SNP) partially covers inpatient hospital services with no copay and no coinsurance for both acute and psychiatric stays, though prior authorization and referrals are required. Upgrades, non-Medicare-covered stays, and additional acute stay days are not covered, but the plan does include 40 additional days for psychiatric hospital stays.
Outpatient Services See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers outpatient hospital, ambulatory surgical center, and outpatient blood services with no copay and no coinsurance. Some outpatient substance abuse services are covered, but individual and group sessions are not covered.
Partial Hospitalization See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers partial hospitalization services with a $100.00 copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Ambulance and Transportation Services See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers ground ambulance services with a $100 copay and air ambulance services with a 20% coinsurance, both requiring prior authorization. Transportation services are partially covered with no copay or coinsurance for up to 50 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by Alignment Health Dual Select+ (HMO-POS D-SNP) with a $135 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours, while urgently needed services have no copay or coinsurance. Worldwide emergency and urgent services are partially covered up to a $25,000 maximum with a $50 copay and no coinsurance, but worldwide emergency transportation is not covered.
Primary Care See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers primary care, specialist visits, therapy services, and telehealth with no copay and no coinsurance. Podiatry is not covered, while chiropractic, mental health, and psychiatric services are partially covered, excluding other chiropractic services as well as individual and group sessions for mental health and psychiatric services.
Preventive Services See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers preventive services, including annual physicals, kidney disease education, and screenings, with no copay and no coinsurance. Additional preventive services are partially covered with no copay and no coinsurance (prior authorization required) for a personal emergency response system and memory fitness, but do not cover health education, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
Hearing services are covered by Alignment Health Dual Select+ (HMO-POS D-SNP) with no copay, no coinsurance, and no deductible, which includes one routine hearing exam and one fitting evaluation yearly. Prescription hearing aids are partially covered with no copay or coinsurance for up to two aids per year, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Alignment Health Dual Select+ (HMO-POS D-SNP) with no copay, no coinsurance, and no deductible. Covered services include one routine eye exam per year and up to $400 every two years for eyeglasses or contacts, while other eye exam services and eyewear upgrades are not covered.
Dental Services See details
Alignment Health Dual Select+ (HMO-POS D-SNP) offers partially covered dental services with no copay and no coinsurance up to a maximum annual benefit of $2,700, though prior authorization is required for most treatments. While preventive, restorative, and surgical services are covered, this plan does not cover implants, orthodontics, maxillofacial prosthetics, adjunctive general services, and other diagnostic or preventive dental services.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Alignment Health Dual Select+ (HMO-POS D-SNP) with no copay and no coinsurance, although prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from 0% (no coinsurance) to 20%, while covered Part B insulin requires a $35 copay and 0% (no coinsurance) to 20% coinsurance.
Dialysis Services See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers Dialysis Services with no copay and a 20% coinsurance. Both prior authorization and a referral are required for these services.
Medical Equipment See details
Medical equipment is partially covered by Alignment Health Dual Select+ (HMO-POS D-SNP), offering durable medical equipment with no copay and 0% to 20% coinsurance, and prosthetics and medical supplies with no copay and 10% coinsurance. For diabetic equipment, some services are covered with no copay and no coinsurance, but diabetic supplies and therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers Diagnostic and Radiological Services with no copay and no coinsurance, though prior authorization and referrals are required. While some services are covered, diagnostic procedures, lab services, diagnostic and therapeutic radiological services, and outpatient X-rays are not covered.
Home Health Services See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers Home Health Services with no copay and no coinsurance, though prior authorization and a referral are required to receive care.
Cardiac Rehabilitation Services See details
Alignment Health Dual Select+ (HMO-POS D-SNP) indicates some services are covered for Cardiac Rehabilitation Services with no copay and no coinsurance, subject to prior authorization and referral requirements. However, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
Alignment Health Dual Select+ (HMO-POS D-SNP) covers skilled nursing facility (SNF) care with no coinsurance, requiring a $20 daily copay for days 1 through 20 and a $203 daily copay for days 21 through 100. Prior authorization and a referral are required, and additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
Other services are covered by Alignment Health Dual Select+ (HMO-POS D-SNP) with no copay and no coinsurance, including up to 12 acupuncture treatments per year, digital health technology support, and chronic illness meal benefits. Eligible members also receive a $100 monthly allowance for over-the-counter items with no copay and no coinsurance.
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