2027 Medicare Advantage plan

Alignment Health Smart 012 (HMO-POS): 2027 benefits and costs

Alignment Health Plan HMO-POS

CMS plan ID: H5472-012-0 · Plan year: 2027

Alignment Health Smart 012 (HMO-POS) is a 2027 Medicare Advantage plan offered by Alignment Health Plan. It is listed in Texas.

2027 plan costs at a glance

Monthly plan premium$0.00

Drug deductible$700.00

In-network medical out-of-pocket maximum$6,450.00

Organization: Alignment Health Plan
Plan organization: ALIGNMENT HEALTH INSURANCE COMPANY OF ARIZONA INC
Parent company: Alignment Healthcare USA, LLC
Plan type: HMO-POS
Part C premium: $0.00
Part D premium: $0.00
Prescription drug coverage: Yes
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)
Monthly Part B premium after plan reduction: $69.50 (estimated)$209.50 standard premium less $140.00 plan reduction.

You must continue to pay your Medicare Part B premium.

In-network medical deductible: None
Combined in/out-of-network medical deductible: None
Out-of-network medical deductible: None
In-network medical maximum: $6,450.00
Combined in/out-of-network medical maximum: Not applicable
Out-of-network medical maximum: Not applicable

Part B premium reduction: $140.00

2027 benefit summary

Doctor visits and medical care

Common medical services and member costs
Service	In-network	What to know
Primary care doctor	$0 Service-specific deductible No
Specialist visit	$35.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Telehealth	$0.00 to $20.00 copay Service-specific deductible No	Approval required No Referral required No
Emergency care	$130.00 copay
Urgent care	$20.00 copay
Home health	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Dialysis	20% coinsurance Service-specific deductible No	Approval required Yes Referral required Yes
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Kidney disease education services	$0 Service-specific deductible No	Approval required No Referral required No
Medicare-covered chiropractic	$10.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Medicare-covered foot care	$5.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Other health professionals	$0 Service-specific deductible No	Approval required Yes Referral required Yes

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
Care	Your share of the cost	What to know
Inpatient hospital stay	$0.00 copay per stay Days 1–6: $375.00 copay per day Days 7–90: $0.00 copay per day	Approval required Yes Referral required Yes Benefit period Per Admission or Per Stay
Inpatient mental health care	$0.00 copay per stay Days 1–10: $120.00 copay per day Days 11–90: $0.00 copay per day	Approval required Yes Referral required Yes Benefit period Original Medicare
Skilled nursing facility	Days 1–20: $10.00 copay per day Days 21–100: $100.00 copay per day	Approval required Yes Referral required Yes Benefit period Original Medicare

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
Service	In-network	What to know
Outpatient hospital care	$200.00 copay Service-specific deductible No
Hospital observation services	$0 Service-specific deductible No
Ambulatory surgical center	$50.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Outpatient blood	$0 Service-specific deductible No	Approval required Yes Referral required Yes

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	What to know
Diagnostic procedures and tests	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Laboratory services	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Diagnostic radiology (CT, MRI)	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Therapeutic radiology	20% coinsurance Service-specific deductible No	Approval required Yes Referral required Yes
X-rays	$0 Service-specific deductible No	Approval required Yes Referral required Yes

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	What to know
Partial hospitalization	$55.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Intensive outpatient program	$55.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Substance use treatment, individual sessions	$35.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Substance use treatment, group sessions	$35.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Opioid treatment program	20% coinsurance Service-specific deductible No	Approval required Yes Referral required Yes
Mental health, individual sessions	$20.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Mental health, group sessions	$20.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Psychiatry, individual sessions	$20.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Psychiatry, group sessions	$20.00 copay Service-specific deductible No	Approval required Yes Referral required Yes

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	What to know
Occupational therapy	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Physical and speech therapy	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Cardiac rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Intensive cardiac rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Pulmonary rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required Yes
Supervised exercise for peripheral artery disease	$0 Service-specific deductible No	Approval required Yes Referral required Yes

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	What to know
Ground ambulance	$200.00 copay Service-specific deductible No	Approval required Yes
Air ambulance	$200.00 copay Service-specific deductible No	Approval required Yes
Durable medical equipment	20% coinsurance Service-specific deductible No	Approval required Yes
Prosthetic devices	20% coinsurance Service-specific deductible No	Approval required Yes
Medical supplies	20% coinsurance Service-specific deductible No	Approval required Yes
Diabetic supplies	$0 Service-specific deductible No	Approval required Yes
Diabetic shoes and inserts	20% coinsurance Service-specific deductible No	Approval required Yes
Diabetic monitors	20% coinsurance Service-specific deductible No	Approval required Yes

Dental benefits

Dental benefits and member costs
Service	In-network	What to know
Medicare-covered dental	$0
Oral examsAdditional plan benefit	$0
Dental X-raysAdditional plan benefit	$0
Dental cleaningAdditional plan benefit	$0
FluorideAdditional plan benefit	$0

Vision benefits

Vision benefits and member costs
Service	In-network	What to know
Medicare-covered eye exams	$0 Service-specific deductible No	Approval required No Referral required No
Routine eye examsAdditional plan benefit	$0	Approval required No Referral required No
Medicare-covered eyewear	$0 Service-specific deductible No	Approval required No Referral required No
Contact lensesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglass lensesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglass framesAdditional plan benefit	$0	Approval required No Referral required No

Hearing benefits

Hearing benefits and member costs
Service	In-network	What to know
Medicare-covered hearing exams	$0 Service-specific deductible No	Approval required No Referral required No
Routine hearing examsAdditional plan benefit	$0	Approval required No Referral required No
Hearing aid fitting and evaluationAdditional plan benefit	$0	Approval required No Referral required No

Extra benefits

Extra benefits and member costs
Service	In-network	What to know
Annual physical examAdditional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No
Fitness benefitAdditional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No

Allowances and optional benefits

Benefits for qualifying members

Package 1

The plan must confirm eligibility, including any qualifying condition.

Qualifying conditions: Chronic alcohol use disorder and other substance use disorders (SUDs); Autoimmune disorders; Cancer; Cardiovascular disorders; Chronic heart failure; Dementia; Diabetes mellitus; Overweight, obesity, and metabolic syndrome; Chronic gastrointestinal disease; Chronic kidney disease (CKD); Severe hematologic disorders; HIV/AIDS; Chronic lung disorders; Chronic and disabling mental health conditions; Neurologic disorders; Stroke; Post-organ transplantation; Immunodeficiency and Immunosuppressive disorders; Conditions associated with cognitive impairment; Conditions with functional challenges; Chronic conditions that impair vision, hearing (deafness), taste, touch, and smell; Conditions that require continued therapy services in order for individuals to maintain or retain functioning; Other 1; Other 2
Qualifying conditions: Chronic Hypertension
Qualifying conditions: Chronic Hyperlipidemia
Included services: Pest control; Other 1 Non-Primarily Health Related Benefit
Applies to out-of-network or point-of-service care: No
Some package benefits are exempt from the deductible: No

Optional packages that cost extra

Complete Package $64.90 extra per month

Complete Package

The limits below apply only to this optional package.

Benefit allowance: $1,500.00
How often this limit applies: Every year
Do the Optional Supplemental benefits in this package apply to the MOOP for this plan?: No
Deductible applies: No
Included services: Worldwide Emergency Coverage; Worldwide Urgent Coverage; Transportation to plan-approved health locations; Personal emergency alert system; Oral Exams; Dental X-Rays; Dental cleaning; Fluoride Treatment; Restorative dental care; Root canal treatment (endodontics); Gum treatment (periodontics); Removable dentures (prosthodontics); Fixed dental restorations (prosthodontics); Oral and Maxillofacial Surgery; Prescription Hearing Aids (all types)

Prescription drug coverage

Costs shown are for initial coverage.

Drug deductible exceptions: Tier 1; Tier 2; Tier 3; Tier 6 are exempt from the deductible.

Standard retail costs

On a small screen, scroll the table sideways to compare all fill lengths.

Standard retail: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	100 days
Tier 1Preferred Generic	$0.00	$0.00	$0.00
Tier 2Generic	$0.00	$0.00	$0.00
Tier 3Preferred Brand	$45.00	$90.00	$135.00
Tier 4Non-Preferred Drug	40%	40%	40%
Tier 5Specialty Tier	25%	Not listed	Not listed
Tier 6Select Care Drugs	$5.00	$10.00	$0.00

Mail-order and other pharmacies

Out-of-network pricing: You pay the standard retail copay or coinsurance, plus any difference between the pharmacy’s billed charge and the amount the plan allows at a standard retail pharmacy.

Standard mail order costs

On a small screen, scroll the table sideways to compare all fill lengths.

Standard mail order: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	100 days
Tier 1Preferred Generic	$0.00	$0.00	$0.00
Tier 2Generic	$0.00	$0.00	$0.00
Tier 3Preferred Brand	$45.00	$90.00	$135.00
Tier 4Non-Preferred Drug	40%	40%	40%
Tier 5Specialty Tier	25%	Not listed	Not listed
Tier 6Select Care Drugs	$5.00	$10.00	$0.00

Long-term care pharmacy costs

Long-term care pharmacy: initial-coverage cost per prescription fill
Drug tier	31 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$0.00
Tier 3Preferred Brand	$45.00
Tier 4Non-Preferred Drug	40%
Tier 5Specialty Tier	25%
Tier 6Select Care Drugs	$5.00

Out-of-network pharmacy costs

Out-of-network pharmacy: initial-coverage cost per prescription fill
Drug tier	30 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$0.00
Tier 3Preferred Brand	$45.00
Tier 4Non-Preferred Drug	40%
Tier 5Specialty Tier	25%
Tier 6Select Care Drugs	$5.00

Drug coverage rules and exceptions

Tier 1: Preferred Generic

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 2: Generic

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 3: Preferred Brand

Drugs included in this tier: Both Part D and Excluded Drugs
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 4: Non-Preferred Drug

Drugs included in this tier: Both Part D and Excluded Drugs
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Tier 5: Specialty Tier

Drugs included in this tier: Part D Drugs Only

Tier 6: Select Care Drugs

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: Yes
Some longer-fill prescriptions require a one-month first fill: No

Initial-coverage prices also apply to drugs exempt from the deductible: Yes

Special cost protections apply to covered insulin and recommended adult vaccines.

Where this plan is offered

CMS lists this plan in 1 state or territory. Availability can vary by county and ZIP code.