Bay Area · 9 counties · open to everyone
What does my Medicare Advantage plan cost?
Premium, max-out-of-pocket, drug deductible and star rating for each Bay-Area Medicare Advantage plan — plus what it charges for the services that matter at discharge (SNF, home health, DME, therapy, ambulance). Figures are from CMS plan filings for 2026; always confirm with the plan before deciding, and check whether a facility is in-network separately. For programs that help pay, see Who can pay.
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Medi-Cal (managed care)
Medi-Cal managed-care benefits are standardized statewide — most members pay $0 for covered services (SNF, home health, DME, therapy). There is no per-plan cost-share grid to publish. Extra in-home/respite/transition help is available via CalAIM Community Supports — see the “Who can pay” money layer.
Medicare Advantage plans
7 in NapaKaiser Permanente Senior Advantage Alam., SF, Napa (HMO)
Kaiser Permanente · HMO
Premium / mo
$99.00
Max out-of-pocket
$3,900.00
Drug deductible
$0.00
What it costs at discharge
- Inpatient hospital (acute)
- $270/day days 1–5, $0/day days 6–90
- Skilled nursing facility (SNF)
- $0/day days 1–20, $100/day days 21–100
- Home health
- $0 copay
- Physical / speech therapy
- $0 — covered in full
- Occupational therapy
- $0 — covered in full
- Outpatient hospital services
- $0 — covered in full
- Ground ambulance
- $350 copay
- Durable medical equipment (DME)
- $0 — covered in full
Verified · 161d agoCMS plan filing· Alameda, Napa, San Francisco
Kaiser Permanente Dual Complete North P25 (HMO D-SNP)
Kaiser Permanente · HMO D-SNP
Premium / mo
$0.00
Max out-of-pocket
$9,250.00
Drug deductible
$615.00
What it costs at discharge
- Inpatient hospital (acute)
- $475/day days 1–5, $0/day days 6–90
- Skilled nursing facility (SNF)
- $0/day days 1–20, $214/day days 21–100
- Home health
- $0 copay
- Physical / speech therapy
- $0 copay
- Occupational therapy
- $0 copay
- Outpatient hospital services
- $0 — covered in full
- Ground ambulance
- $400 copay
- Durable medical equipment (DME)
- $0 — covered in full
Verified · 161d agoCMS plan filing· Marin, Napa, Solano, Sonoma
Imperial Courage Plan (HMO)
Imperial Health Plan of California, Inc. · HMO
Premium / mo
$Not Applicable
Max out-of-pocket
$2,999.00
Drug deductible
$Not Applicable
What it costs at discharge
- Inpatient hospital (acute)
- $150/day days 1–5, $0/day days 6–90
- Skilled nursing facility (SNF)
- $0/day days 1–20, $200/day days 21–100
- Home health
- $10 copay
- Physical / speech therapy
- 20% coinsurance
- Occupational therapy
- $10 copay
- Outpatient hospital services
- $200 copay
- Ground ambulance
- $150 copay
- Durable medical equipment (DME)
- 20% coinsurance
Verified · 161d agoCMS plan filing· Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, Sonoma
Imperial Dynamic Plan (HMO)
Imperial Health Plan of California, Inc. · HMO
Premium / mo
$0.00
Max out-of-pocket
$296.00
Drug deductible
$0.00
What it costs at discharge
- Inpatient hospital (acute)
- $0/day days 1–90
- Skilled nursing facility (SNF)
- $0/day days 1–20, $100/day days 21–50, $200/day days 51–100
- Home health
- $0 — covered in full
- Physical / speech therapy
- $0 — covered in full
- Occupational therapy
- $0 — covered in full
- Outpatient hospital services
- $100 copay
- Ground ambulance
- $150 copay
- Durable medical equipment (DME)
- 20% coinsurance
Verified · 161d agoCMS plan filing· Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, Sonoma
Imperial Senior Value (HMO C-SNP)
Imperial Health Plan of California, Inc. · HMO C-SNP
Premium / mo
$0.00
Max out-of-pocket
$296.00
Drug deductible
$0.00
What it costs at discharge
- Inpatient hospital (acute)
- $0/day days 1–90
- Skilled nursing facility (SNF)
- $0/day days 1–20, $100/day days 21–50, $200/day days 51–100
- Home health
- $0 — covered in full
- Physical / speech therapy
- $0 — covered in full
- Occupational therapy
- $0 — covered in full
- Outpatient hospital services
- $100 copay
- Ground ambulance
- $150 copay
- Durable medical equipment (DME)
- 20% coinsurance
Verified · 161d agoCMS plan filing· Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, Sonoma
Humana Gold Plus H5619-147 (HMO)
Humana · HMO
Premium / mo
$0.00
Max out-of-pocket
$3,200.00
Drug deductible
$615.00
What it costs at discharge
- Inpatient hospital (acute)
- $390 copay
- Skilled nursing facility (SNF)
- $20/day days 1–20, $218/day days 21–100
- Home health
- $0 copay
- Physical / speech therapy
- $0 copay
- Occupational therapy
- $0 copay
- Outpatient hospital services
- $0 — covered in full
- Ground ambulance
- $335 copay
- Durable medical equipment (DME)
- $0 copay + 15% coinsurance
Verified · 161d agoCMS plan filing· Marin, Napa
Anthem Dual Advantage 2 (PPO D-SNP)
Anthem Blue Cross Life and Health Insurance Company · PPO D-SNP
Premium / mo
$0.00
Max out-of-pocket
$9,250.00
Drug deductible
$200.00
What it costs at discharge
- Inpatient hospital (acute)
- $275/day days 1–7, $0/day days 8–90
- Skilled nursing facility (SNF)
- $0/day days 1–20, $214/day days 21–100
- Home health
- $0 copay
- Physical / speech therapy
- 20% coinsurance
- Occupational therapy
- 20% coinsurance
- Outpatient hospital services
- 20% coinsurance
- Ground ambulance
- 20% coinsurance
- Durable medical equipment (DME)
- $0 — covered in full
Verified · 161d agoCMS plan filing· Napa, Solano, Sonoma
Source: CMS Medicare Advantage / Part D Landscape + Plan Benefit Package filings (a curated set of discharge-relevant benefit categories). Cost-shares can have conditions, day limits, and prior-authorization requirements not shown here — confirm specifics with the plan.