Alignment Health Plan Medicare Advantage 2024-2025 Review

Alignment Health Plan Medicare Advantage plans are available in five states and get slightly above-average star ratings from CMS.

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The bottom line: Alignment Health Plan Medicare Advantage gets solid ratings from the Centers for Medicare & Medicaid Services (CMS), offers low-cost options and features a variety of special needs plans, but it's available in only five states. Jump to: Full Review

Alignment Health Plan Medicare Advantage - Chapter

Alignment Health Plan

4.04

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

Alignment Health Plan Medicare Advantage pros and cons

Pros

Low-cost plans: About three-quarters of Alignment Health Plan Medicare Advantage plans offer a $0 premium, and the average maximum out-of-pocket cost is lower than those of major providers.

Drug coverage: All Alignment Health Plan Medicare Advantage plans include prescription drug coverage.

Allowance for essentials: Alignment offers up to a $200 monthly allowance to members of some special needs plans (SNPs) for things like groceries and home safety items.

Specialized SNPs: Alignment is introducing Chronic Condition SNPs for people with lung conditions or chronic or disabling mental health conditions, such as bipolar disorder or major depressive disorder.

Cons

Limited availability: Alignment Health Plan offers Medicare Advantage plans in just five states: Arizona, California, Nevada, North Carolina and Texas.

Members aren't super impressed: Average member experience ratings, including customer service and care coordination, for Alignment Medicare Advantage plans fall below the average for major providers. 

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4.27

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Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?
Humana Medicare Advantage - Chapter

Humana

3.63

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?
Cigna Medicare Advantage

Cigna

3.93

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

» More options in our roundup of the best Medicare Advantage plans

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UnitedHealthcare Medicare Advantage - UHC

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3.93

CMS Star Rating

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GET A QUOTE

from UnitedHealthcare

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IS THIS PROVIDER AVAILABLE IN MY STATE?
Humana Medicare Advantage - Chapter

Humana

3.63

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

» More options in our roundup of the best Medicare Advantage plans

Our full review

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Alignment Health Plan Medicare Advantage star ratings

Average star rating, weighted by enrollment: 4.04

Alignment Health Plan Medicare Advantage plans are rated slightly above the industry average, with an average rating of 4.04 stars out of 5 from CMS for 2025, weighted by enrollment. For comparison, the average weighted star rating for plans from all providers is 3.95.

CMS maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

You can find a plan’s rating with the Medicare plan finding tool.

What does Alignment Health Plan Medicare Advantage cost?

In 2025, nearly three-quarters of Alignment Health Plan Medicare Advantage plans have a $0 premium

Centers for Medicare & Medicaid Services. CY2025 Landscape (202409.1) (ZIP). Accessed Oct 22, 2024.
. And the average monthly premium for a standard Alignment Medicare Advantage plan is $37.05, which is lower than most big providers. You'll also be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 ($185 in 2025).

(Most people pay this standard Part B amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans will pay some or all of your Part B premium.)

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

  • Whether the plan covers any part of your monthly Medicare Part B premium.

  • The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

  • Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

  • The plan’s in-network and out-of-network out-of-pocket maximums.

  • Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

  • Whether you require extra benefits, and if the plan charges for them.

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Alignment Health Plan plans or compare across carriers.

Available Medicare Advantage plans

Alignment Health Plan offers Medicare Advantage prescription drug plans.

Plan offerings include the following types:

A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.

HMO point of service (POS) plans are HMO plans that allow members to get some out-of-network services, but they’ll pay more for those services.

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.

Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. Hence, the benefits, network and drug formularies are tailored to the needs of those members. Alignment Health Plan offers two types of SNPs:

  • Chronic Condition SNP: Designed to meet the needs of members living with certain chronic conditions, such as diabetes, congestive heart failure and cardiovascular disease.

  • Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.

Alignment Health Plan Medicare Advantage service area

Alignment Health Plan offers Medicare Advantage plans in five states: Arizona, California, Nevada, North Carolina and Texas.

Alignment Health Plan covers 180,000 Medicare Advantage beneficiaries

Centers for Medicare & Medicaid Services. Monthly Enrollment by Plan. Accessed Oct 22, 2024.
.

About Alignment Healthcare

Alignment Healthcare is a health insurance company headquartered in Orange, California, that provides Medicare Advantage plans. In 2014, Alignment Healthcare announced the acquisition of Citizens Choice Health Plan, a California Medicare Advantage plan that changed its name to Alignment Health Plan in 2015.

Compare Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Alignment Health Plan Medicare Advantage - Chapter

Alignment Health Plan

4.04

CMS Star Rating

Alignment Health Plan sells Medicare Advantage plans in five states, and star ratings from CMS are just above average.

(855) 432-0512 / TTY 711

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org

GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

States available

5 states


Members in high-rated plans

High (85% to 100%)


Member experience

2.13 (Below average)

IS THIS PROVIDER AVAILABLE IN MY STATE?

States available

5 states


Members in high-rated plans

High (85% to 100%)


Member experience

2.13 (Below average)

IS THIS PROVIDER AVAILABLE IN MY STATE?

Pros

  • Low-cost plans, and a lower average out-of-pocket max than most providers.
  • All plans include prescription drug coverage.
  • Strong SNP offerings, including new plans for people with lung and mental health conditions.

Cons

  • Available in only 5 states.
  • Member experience ratings are below the average for major providers.

Medicare will have big changes in 2025. Compare Medicare Advantage plans