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.

All counties Alameda Contra Costa Marin Napa San Francisco San Mateo Santa Clara Solano Sonoma

Medicare Advantage plans

13 in Solano

Kaiser Permanente Senior Advantage Basic Solano (HMO)

Kaiser Permanente · HMO

★ 4.5

Premium / mo

$16.00

Max out-of-pocket

$6,000.00

Drug deductible

$0.00

What it costs at discharge

Inpatient hospital (acute): $300/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· Solano

Kaiser Permanente Senior Advantage Enhanced Solano (HMO)

Kaiser Permanente · HMO

★ 4.5

Premium / mo

$91.00

Max out-of-pocket

$3,400.00

Drug deductible

$0.00

What it costs at discharge

Inpatient hospital (acute): $200/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: $250 copay
Durable medical equipment (DME): $0 — covered in full

Verified · 161d agoCMS plan filing· Solano

AARP Medicare Advantage from UHC CA-33 (HMO-POS)

UnitedHealthcare · HMO-POS

★ 4.0

Premium / mo

$64.00

Max out-of-pocket

$5,900.00

Drug deductible

$520.00

What it costs at discharge

Inpatient hospital (acute): $395/day days 1–6, $0/day days 7–90
Skilled nursing facility (SNF): $0/day days 1–20, $218/day days 21–100
Home health: $0 copay
Physical / speech therapy: $15 copay
Occupational therapy: $15 copay
Outpatient hospital services: $0 — covered in full
Ground ambulance: $290 copay
Durable medical equipment (DME): 20% coinsurance

Verified · 161d agoCMS plan filing· Solano

Kaiser Permanente Dual Complete North P25 (HMO D-SNP)

Kaiser Permanente · HMO D-SNP

★ 4.0

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

UHC Complete Care Support CA-8AP (HMO-POS C-SNP)

UnitedHealthcare · HMO-POS C-SNP

★ 4.0

Premium / mo

$8.90

Max out-of-pocket

$9,250.00

Drug deductible

$615.00

What it costs at discharge

Inpatient hospital (acute): $1525 copay
Skilled nursing facility (SNF): see plan
Home health: $0 copay
Physical / speech therapy: 20% coinsurance
Occupational therapy: 20% coinsurance
Outpatient hospital services: $0 — covered in full
Ground ambulance: 20% coinsurance
Durable medical equipment (DME): 20% coinsurance

Verified · 161d agoCMS plan filing· Alameda, Contra Costa, San Francisco, Solano

Imperial Courage Plan (HMO)

Imperial Health Plan of California, Inc. · HMO

★ 3.5

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

★ 3.5

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

★ 3.5

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

Central Health Classic Care Plan III (HMO)

Central Health Medicare Plan · HMO

★ 3.0

Premium / mo

$0.00

Max out-of-pocket

$2,999.00

Drug deductible

$125.00

What it costs at discharge

Inpatient hospital (acute): $195/day days 1–6, $0/day days 7–90
Skilled nursing facility (SNF): see plan
Home health: $0 copay
Physical / speech therapy: $0 copay
Occupational therapy: $0 copay
Outpatient hospital services: $0 — covered in full
Ground ambulance: $0 — covered in full
Durable medical equipment (DME): $0 — covered in full

Verified · 161d agoCMS plan filing· Santa Clara, Solano

Central Health Dual Access Plan (HMO D-SNP)

Central Health Medicare Plan · HMO D-SNP

★ 3.0

Premium / mo

$0.00

Max out-of-pocket

$9,250.00

Drug deductible

$550.00

What it costs at discharge

Inpatient hospital (acute): see plan
Skilled nursing facility (SNF): see plan
Home health: $0 copay
Physical / speech therapy: $55 copay
Occupational therapy: $35 copay
Outpatient hospital services: 20% coinsurance
Ground ambulance: 20% coinsurance
Durable medical equipment (DME): 20% coinsurance

Verified · 161d agoCMS plan filing· Alameda, Contra Costa, San Francisco, San Mateo, Santa Clara, Solano

Central Health Embrace Care Plan (HMO C-SNP)

Central Health Medicare Plan · HMO C-SNP

★ 3.0

Premium / mo

$0.00

Max out-of-pocket

$1,900.00

Drug deductible

$615.00

What it costs at discharge

Inpatient hospital (acute): $0/day days 1–5, $150/day days 6–9, $35/day days 10–90
Skilled nursing facility (SNF): see plan
Home health: $0 copay
Physical / speech therapy: $0 copay
Occupational therapy: $0 copay
Outpatient hospital services: $0 — covered in full
Ground ambulance: $0 — covered in full
Durable medical equipment (DME): $0 — covered in full

Verified · 161d agoCMS plan filing· Santa Clara, Solano

Central Health Embrace Choice Plan (HMO C-SNP)

Central Health Medicare Plan · HMO C-SNP

★ 3.0

Premium / mo

$0.00

Max out-of-pocket

$9,250.00

Drug deductible

$615.00

What it costs at discharge

Inpatient hospital (acute): see plan
Skilled nursing facility (SNF): see plan
Home health: $0 copay
Physical / speech therapy: $0 copay
Occupational therapy: $0 copay
Outpatient hospital services: $0 — covered in full
Ground ambulance: 20% coinsurance
Durable medical equipment (DME): 20% coinsurance

Verified · 161d agoCMS plan filing· Santa Clara, Solano

Anthem Dual Advantage 2 (PPO D-SNP)

Anthem Blue Cross Life and Health Insurance Company · PPO D-SNP

★ 2.5

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.