Company vs company · Los Angeles County, CA · 2027 plan year
SCAN Health Plan vs Alignment Health Plan Medicare Advantage plans
Medicare.gov compares Medicare Advantage plans with each other. This page also shows Original Medicare, so you can see the full trade-off: premiums, copays, the yearly limit, extra benefits, and the rules about doctors and approvals.
Pinnie Direct is a free text line. Pinnie does not sell plans.
In most states, including California, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in California can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later. California has a birthday rule, but it only lets people who already have Medigap switch to another Medigap plan. It does not help you get Medigap after you leave Medicare Advantage.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYour yearly cost, side by side
Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.
Want to check your exact drugs? Medicare.gov lets you enter each drug and shows what each plan charges for it. Enter your drugs on Medicare.gov
Medicare.gov lists $191 to $376 a month for a 65-year-old woman who does not use tobacco. We start at the lowest price. Health questions can raise the price after your first 6 months with Part B.
Original Medicare
With Medigap Plan G at $191 a month and Wellcare Value Script (PDP)
$7,337 a year
- Premiums
- $4,870
- Medical costs
- $292
- Drugs
- $2,175
Most you can pay in a bad year, before drugs: $5,162.
SCAN Essential Savings (HMO)
HMO from SCAN Health Plan
$1,633 a year
- Premiums
- $294
- Medical costs
- $465
- Drugs
- $874
Most you can pay in a bad year, before drugs: $2,694.
Alignment Health Smart 013 (HMO)
HMO from Alignment Health Plan
$1,364 a year
- Premiums
- $714
- Medical costs
- $290
- Drugs
- $360
Most you can pay in a bad year, before drugs: $3,213.
With these settings, Alignment Health Smart 013 (HMO) costs about $269 less a year than SCAN Essential Savings (HMO).
Tipping point for SCAN Essential Savings (HMO): with this drug use, the plan costs less than Original Medicare with Plan G at every level of medical care.
Tipping point for Alignment Health Smart 013 (HMO): with this drug use, the plan costs less than Original Medicare with Plan G at every level of medical care.
These are estimates, not quotes. Check every number with Medicare (Medicare.gov or 1-800-MEDICARE) and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Drug costs use typical prices for generic and brand-name drugs. Original Medicare amounts are 2027 projections from the 2026 Medicare Trustees Report. CMS sets the final amounts in November.
Text us about this comparisonWhat you pay each time you get care
In-network costs for one visit or one stay. The Original Medicare amounts follow your Medigap choice above: Plan G.
Primary doctor visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
SCAN Classic (HMO)
$0 copay
SCAN Venture (HMO)
$0 copay
Alignment Health Smart 013 (HMO)
$0 copay
Alignment Health My Choice 050 (HMO)
$0 copay
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
SCAN Classic (HMO)
$0 copay
Prior authorizationSCAN Venture (HMO)
$0 copay
Prior authorizationAlignment Health Smart 013 (HMO)
$5
Prior authorizationAlignment Health My Choice 050 (HMO)
$0 copay
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
SCAN Classic (HMO)
$0 copay
Prior authorizationSCAN Venture (HMO)
$0 copay
Prior authorizationAlignment Health Smart 013 (HMO)
$0 copay
Prior authorizationAlignment Health My Choice 050 (HMO)
$0 copay
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
SCAN Classic (HMO)
$0 copay
Prior authorizationSCAN Venture (HMO)
$0-$75
Prior authorizationAlignment Health Smart 013 (HMO)
$0 copay
Prior authorizationAlignment Health My Choice 050 (HMO)
$0 copay
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
SCAN Classic (HMO)
$115
SCAN Venture (HMO)
$115
Alignment Health Smart 013 (HMO)
$150
Alignment Health My Choice 050 (HMO)
$150
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
SCAN Classic (HMO)
$0 copay
SCAN Venture (HMO)
$0 copay
Alignment Health Smart 013 (HMO)
$0 copay
Alignment Health My Choice 050 (HMO)
$0 copay
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
SCAN Classic (HMO)
$0 copay
Prior authorizationSCAN Venture (HMO)
$0 copay
Prior authorizationAlignment Health Smart 013 (HMO)
$50
Prior authorizationAlignment Health My Choice 050 (HMO)
$100
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
SCAN Classic (HMO)
$200
Prior authorizationSCAN Venture (HMO)
$155
Prior authorizationAlignment Health Smart 013 (HMO)
$100
Prior authorizationAlignment Health My Choice 050 (HMO)
$175
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
SCAN Classic (HMO)
$0
for a 5-day stay
Prior authorizationSCAN Venture (HMO)
$0
for a 5-day stay
Prior authorizationAlignment Health Smart 013 (HMO)
$600
for a 5-day stay
Prior authorizationAlignment Health My Choice 050 (HMO)
$500
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | SCAN Classic (HMO) | SCAN Venture (HMO) | Alignment Health Smart 013 (HMO) | Alignment Health My Choice 050 (HMO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G $191 + drug plan $5.30 | $0 + Part B $209.50 | $0 (pays back $33 a month of your Part B premium) + Part B $209.50 | $0 (pays back $150 a month of your Part B premium) + Part B $209.50 | $0 + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $299 in network | $1,000 in network | $2,499 in network | $3,499 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $0 | $0 | $0 |
| Primary doctor visit | $0, after the $292 yearly Part B deductible | $0 copay | $0 copay | $0 copay | $0 copay |
| Specialist visit | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $0 copayPrior authorization | $5 copayPrior authorization | $0 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $0-$75 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $115 copay | $115 copay | $150 copay | $150 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $0 copay | $0 copay | $0 copay | $0 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$50 copayPrior authorization | $25-$225 copayPrior authorization | $200 copayPrior authorization | $200 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $0 copayPrior authorization | $50 copayPrior authorization | $100 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $200 copayPrior authorization | $155 copayPrior authorization | $100 copayPrior authorization | $175 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $0 per stayPrior authorization | $0 per stayPrior authorization | $120 per day for days 1-5; $0 per day for days 6-90Prior authorization | $100 per day for days 1-5; $0 per day for days 6-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $0 per day for days 1-20; $50 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $20 per day for days 1-20; $100 per day for days 21-100Prior authorization | $20 per day for days 1-20; $100 per day for days 21-100Prior authorization |
| Mental health visit | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $20 copayPrior authorization | $20 copayPrior authorization | $20 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | $5 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| Home health care | $0, Medicare-covered home health | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| Medical equipment | $0, after the $292 yearly Part B deductible | $0 copayPrior authorization | 0%-20% coinsurancePrior authorization | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization |
| Drug deductible (Part D) | $700 with Wellcare Value Script (PDP) | $370 | $370 | $0 | $0 |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 40% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: $42 copayNon-Preferred Drug: 35% coinsuranceSpecialty Tier: 29% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: $42 copayNon-Preferred Drug: 30% coinsuranceSpecialty Tier: 29% coinsurance | Preferred Generic: $0 copayGeneric: $0 copayPreferred Brand: $30 copayNon-Preferred Drug: $100 copaySpecialty Tier: 33% coinsuranceSelect Care Drugs: $5 copay | Preferred Generic: $0 copayGeneric: $3 copayPreferred Brand: $40 copayNon-Preferred Drug: 40% coinsuranceSpecialty Tier: 33% coinsuranceSelect Care Drugs: $5 copay |
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A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In California, 10 drug plans are for sale for 2027, from $5.30 to $252.60 a month. Half of them cost $150.55 a month or less.
- Every 2027 drug plan limits what you pay for covered drugs to $2,400 a year. The drug coverage in Medicare Advantage plans has the same limit.
- The premium is one part of your yearly cost. The calculator above adds premiums, medical costs, and drug costs, so you can see the whole year.
- A Medicare Advantage plan can cost less in a light year. But you also take on its network and prior authorization rules, and you may not be able to get Medigap later.
- If your income is limited, Extra Help can pay most of your drug plan premium and drug costs. Check Extra Help at SSA.gov
The two companies in Los Angeles County
SCAN Health Plan
- 10 plans for 2027 (not counting special needs plans)
- 8 with a $0 premium; 3 pay back part of your Part B premium
- Yearly limits from $299 to $2,499
- Star ratings 4 to 4
- SCAN Classic (HMO) · $0 a month · limit $299
- SCAN Venture (HMO) · $0 a month · limit $1,000
- SCAN Allied (HMO) · $0 a month · limit $2,000
- SCAN Prime (HMO) · $20 a month · limit $2,499
- SCAN Inspired by women for women (HMO) · $15 a month · limit $999
- SCAN Essential Savings (HMO) · $0 a month · limit $2,400
- SCAN Costco Medicare Advantage (HMO) · $0 a month · limit $299
- CareMore Health Plan by SCAN (HMO) · $0 a month · limit $299
- SCAN Baekse (HMO) · $0 a month · limit $499
- SCAN Inclusive (HMO) · $0 a month · limit $999
Alignment Health Plan
- 12 plans for 2027 (not counting special needs plans)
- 9 with a $0 premium; 4 pay back part of your Part B premium
- Yearly limits from $498 to $9,850
- Star ratings 3.5 to 4
- Alignment Health Smart 013 (HMO) · $0 a month · limit $2,499
- Alignment Health My Choice 050 (HMO) · $0 a month · limit $3,499
- Alignment Health Platinum + Instacart 008 (HMO) · $0 a month · limit $499
- Alignment Health My Choice 001 (HMO) · $0 a month · limit $550
- Alignment Health Smart 047 (HMO) · $0 a month · limit $2,899
- Alignment Health Advantage 001 (PPO) · $70 a month · limit $4,451
- Alignment Health Smart 055 (HMO) · $0 a month · limit $2,400
- Alignment Health ValorCare 053 (HMO) · $0 a month · limit $6,000
- Alignment Health Honor Plus 060 (HMO) · $7.30 a month · limit $9,850
- Central Health Harmony 001 (HMO) · $0 a month · limit $498
- Alignment Health BRIDGE 003 (HMO) · $0 a month · limit $499
- Alignment Health Advantage 005 (PPO) · $160 a month · limit $4,451
Doctors, referrals, and prior authorization
Cost is one side. The other side is how you get care. These rules come from the CMS plan files. Prior authorization means the plan must approve a service before you get it.
Original Medicare
- Any doctor or hospital in the U.S. that takes Medicare
- No referrals
- Prior authorization only for a short list of services
SCAN Classic (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
SCAN Venture (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Alignment Health Smart 013 (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Alignment Health My Choice 050 (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- You need a referral to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | SCAN Classic (HMO) | SCAN Venture (HMO) | Alignment Health Smart 013 (HMO) | Alignment Health My Choice 050 (HMO) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive | Comprehensive | Comprehensive | Comprehensive, up to $300 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $100 allowance | Yes, $100 allowance | Yes, $200 allowance | Yes, $400 allowance |
| Hearing aids | No | Yes, copays from $450 | Yes, copays from $550 | No | Yes, copays from $195 |
| Over-the-counter allowance | No | $360 a year | $200 a year | No | $1,080 a year |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | Yes | No | No | Yes |
| Meals after a hospital stay | No | No | No | No | Yes |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | Yes | Yes | Yes | Yes |
| Part B premium giveback | No | No | $33 a month | $150 a month | No |
What changed for 2027
SCAN Classic (HMO)
Renewal Plan · 2026 plan H5425-006-0
- In-network out-of-pocket maximum up from $199 to $299
- Drug deductible up from $250 to $370
- Emergency care: $90 copay to $115 copay
- Outpatient hospital: $0 copay to $0-$50 copay
- Skilled nursing facility: $0 per stay to $0 per day for days 1-20; $50 per day for days 21-100
- Yearly OTC allowance down from $600 to $360
- Eyewear allowance down from $300 to $100
- Meals after a hospital stay removed
SCAN Venture (HMO)
Renewal Plan · 2026 plan H5425-084-0
- Drug deductible up from $250 to $370
- Part B giveback down from $55 to $33
- Emergency care: $90 copay to $115 copay
- Skilled nursing facility: $0 per day for days 1-20; $100 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Yearly OTC allowance down from $260 to $200
- Eyewear allowance down from $150 to $100
- Meals after a hospital stay removed
Alignment Health Smart 013 (HMO)
Renewal Plan · 2026 plan H3815-013-0
- Part B giveback down from $165 to $150
- Emergency care: $70 copay to $150 copay
- Outpatient hospital: $100 copay to $200 copay
- Inpatient hospital: $0 per stay to $120 per day for days 1-5; $0 per day for days 6-90
- Overall star rating down from 4 to 3.5
Alignment Health My Choice 050 (HMO)
Renewal Plan · 2026 plan H3815-050-0
- Emergency care: $85 copay to $150 copay
- Yearly OTC allowance down from $1,200 to $1,080
- Overall star rating down from 4 to 3.5
More 2027 plans in Los Angeles County
- Kaiser Permanente Senior Advantage LA, Orange Co. (HMO), H0524-003
- Imperial Dynamic Plan (HMO), H5496-012
- AARP Medicare Advantage from UHC CA-004P (HMO-POS), H0543-168
- Humana Gold Plus H5619-021 (HMO)
- Astiva Health Savings Plan (HMO), H1993-001
- Kaiser Permanente Sr Advantage LA, Orange Value (HMO), H0524-078
- Clever Care Longevity (HMO), H7607-014
- Anthem Select (HMO-POS), H0544-058
County guide: 2027 plans in Los Angeles CountyState guide: California
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. We checked a sample of plans field by field against Medicare.gov. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices are the range Medicare.gov showed for ZIP 90012 on 2026-10-09. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- SCAN Classic (HMO) on Medicare.gov · plan website · drug list · doctor directory
- SCAN Venture (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Alignment Health Smart 013 (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Alignment Health My Choice 050 (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 90012 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.