Align SecureChoice Gold (PPO) Medicare Advantage Plan H3186-001 • 2027
- Monthly Premium
- $112.00Plus Part B premium.
- Medical Deductible
- $0.00
- Maximum Out-of-Pocket
- $7150.00In-network
- Part B Giveback
- Not offered
- Prescription Coverage
- Enhanced, $350.00 deductible
- Additional Benefits
- Dental, Vision, Hearing
- Service Area
- See List
- Total Enrollment
- 1,026 beneficiaries
Align SecureChoice Gold (PPO) Introduction
CMS Plan ID H3186-001 identifies Align SecureChoice Gold, a Medicare Advantage PPO plan offered by Align powered by Sanford Health Plan. The plan uses a Preferred Provider Organization (PPO) provider network and comes with prescription drug coverage. Its costs for the 2027 plan year include a $112.00 monthly premium, $0.00 medical deductible, and $7150.00 in-network maximum out-of-pocket. The 2027 Part D prescription drug deductible is $350.00.
Plan Benefits
Align SecureChoice Gold has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The tables below detail the most common in-network out-of-pocket expenses for plan H3186-001.
Compare 2027 plan benefits with 2026.
Office Visits
| Covered Service | 2027 | 2026 |
|---|---|---|
| Primary care | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: $10-$20 copay |
| Specialist | In-network: $45 copay Out-of-network: 50% coinsurance |
In-network: $0-$25 copay Out-of-network: $40-$45 copay |
Preventive and Wellness Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Annual wellness exam | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay |
| Telehealth benefit | In-network: $0-$400 copay, 0%-20% coinsurance | In-network: $0 copay |
| Routine chiropractic | Not covered | In-network: $20 copay Out-of-network: $40 copay |
| Fitness benefits | Coming soon | In-network: $5 copay Out-of-network: $0 copay, 0% coinsurance |
| Health education | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Counseling services | Not covered | Not covered |
| Over-the-counter drug benefits | In-network: $0 copay Out-of-network: 80% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Health transportation (non-emergency) | Coming soon | Not covered |
Diagnostic, Lab, and Imaging Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diagnostic radiology services | In-network: $0-$375 copay Out-of-network: 50% coinsurance |
In-network: $0-$250 copay Out-of-network: 20% coinsurance |
| Lab services | In-network: $10 copay Out-of-network: 50% coinsurance |
In-network: $5 copay Out-of-network: $10 copay |
| Outpatient x-rays | In-network: $20 copay Out-of-network: 50% coinsurance |
In-network: $15 copay Out-of-network: $30 copay |
| Diagnostic tests and procedures | In-network: $55 copay Out-of-network: 50% coinsurance |
In-network: $10 copay Out-of-network: $30 copay |
Emergency and Urgent Care Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Emergency room care | $130 copay | $110 copay |
| Worldwide emergency care | Coming soon | $0 copay |
| Urgent care | $0-$45 copay | $30 copay |
| Inpatient hospital care | In-network: Tier 1 $500 per day for days 1-4 $0 per day for days 5-90 $0 per stay Out-of-network: 18% per stay |
In-network: Tier 1 $250 per day for days 1-5 $0 per day for days 6-90 $0 per stay Out-of-network: $425 per day for days 1-5 $0 per day for days 6-90 $0 per stay |
| Skilled Nursing Facility | In-network: Tier 1 $0 per day for days 1-20 $221 per day for days 21-100 Out-of-network: 17% per stay |
In-network: Tier 1 $0 per day for days 1-20 $209.5 per day for days 21-100 Out-of-network: $0 per day for days 1-20 $209.5 per day for days 21-100 |
| Ground ambulance | In-network: $325 copay Out-of-network: $325 copay |
In-network: $200 copay Out-of-network: $200 copay |
Mental Health Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Outpatient individual therapy | In-network: $45 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: $45 copay |
| Outpatient group therapy | In-network: $45 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: $45 copay |
| Inpatient psychiatric hospital care | In-network: Tier 1 $500 per day for days 1-4 $0 per day for days 5-90 $0 per stay Out-of-network: 18% per stay |
In-network: Tier 1 $250 per day for days 1-5 $0 per day for days 6-90 $0 per stay Out-of-network: $425 per day for days 1-5 $0 per day for days 6-90 $0 per stay |
Rehabilitation Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Physical therapy and speech and language therapy | In-network: $50 copay Out-of-network: 50% coinsurance |
In-network: $25 copay Out-of-network: $45 copay |
| Occupational therapy | In-network: $50 copay Out-of-network: 50% coinsurance |
In-network: $25 copay Out-of-network: $45 copay |
Medical Equipment and Supplies
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diabetes supplies | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 0% coinsurance |
| Durable medical equipment | In-network: 20% coinsurance Out-of-network: 30% coinsurance |
In-network: 20% coinsurance Out-of-network: 20% coinsurance |
| Prosthetics | In-network: 20% coinsurance Out-of-network: 30% coinsurance |
In-network: 20% coinsurance Out-of-network: 20% coinsurance |
Medicare Part B Drugs
| Covered Service | 2027 | 2026 |
|---|---|---|
| Chemotherapy | In-network: 0%-20% coinsurance Out-of-network: 50% coinsurance |
In-network: 0%-20% coinsurance Out-of-network: 20% coinsurance |
| Other Part B drugs (Medicare-covered) | In-network: 0%-20% coinsurance Out-of-network: 50% coinsurance |
In-network: 0%-20% coinsurance Out-of-network: 20% coinsurance |
Dental Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Oral exam | In-network: $0 copay Out-of-network: 80% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Dental x-rays | In-network: $0 copay Out-of-network: 80% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Cleaning | In-network: $0 copay Out-of-network: 80% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Periodontics | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Endodontics | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Restorative services | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Implant services | Not covered | Not covered |
| Orthodontics | Not covered | Not covered |
| Oral/Maxillofacial surgery | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
Vision Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Routine eye exam | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 0%-50% coinsurance |
| Contact lenses | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 0%-50% coinsurance |
| Eyeglass frames only | In-network: $0 copay Out-of-network: 50% coinsurance |
Not covered |
| Eyeglass lenses only | In-network: $0 copay Out-of-network: 50% coinsurance |
Not covered |
| Eyeglasses (frames & lenses) | Not covered | In-network: $0 copay Out-of-network: 0% coinsurance |
| Upgrades | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 50% coinsurance |
Hearing Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Hearing exam | In-network: $0 copay Out-of-network: 80% coinsurance |
In-network: $0 copay Out-of-network: 50% coinsurance |
| Fitting/evaluation | In-network: $0 copay Out-of-network: 80% coinsurance |
Not covered |
| Prescription hearing aids | In-network: $499-$999 copay Out-of-network: 80% coinsurance |
In-network: $0 copay Out-of-network: 50% coinsurance |
| OTC hearing aids | Not covered | Not covered |
Additional and Special Needs Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Adult day health services | Not covered | Not covered |
| Home-based palliative care | Not covered | Not covered |
| Personal emergency response system | Coming soon | Not covered |
| Weight management programs | Not covered | Not covered |
| Wigs for chemotherapy-related hair loss | Coming soon | Not covered |
| Alternative therapies | Not covered | Not covered |
| Massage therapy | Not covered | Not covered |
| Home/bathroom safety devices | Not covered | Not covered |
Certain preventive services are covered 100% by Align SecureChoice Gold as a Part B benefit.
Prescription Drug Coverage
Align SecureChoice Gold includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.
This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.
Prescription Drug Plan Premium
The Part D prescription drug plan premium is included in the overall Medicare Advantage plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Special Needs Plan coverage.
| Part D Premium Component | Amount |
|---|---|
| Basic Part D Premium: | $31.20 |
| Supplemental Part D Premium: | $$0.00 |
| Total Part D Premium: | $31.20 |
| Low-Income Premium Subsidy: | $24.60 |
| Low-Income Premium Subsidy Paid by CMS: | $24.60 |
| Low-Income Subsidy Premium: | $6.60 |
For more details, visit the Social Security Extra Help program .
Prescription Drug Plan Deductible
This plan has a $350.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Align powered by Sanford Health Plan starts contributing towards your prescription costs.
Prescription Drug Plan Out-of-Pocket Costs
Beyond premiums and deductibles, Align SecureChoice Gold may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.
| Drug Tier | Retail | Mail Order |
|---|---|---|
| Preferred Generic | $0.00 copay | Coming soon |
| Generic | $8.00 copay | Coming soon |
| Preferred Brand | 25% coinsurance | Coming soon |
| Non-Preferred Drug | 30% coinsurance | Coming soon |
| Specialty Tier | 29% coinsurance | Coming soon |
| Select Care Drugs | $0.00 copay | Coming soon |
| *Deductible does not apply. | ||
CMS 5-Star Performance Ratings (Contract ID: H3186)
The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage (Part C) and Part D prescription drug plans each year using a 5-star system. These ratings measure plan performance in areas such as preventive care, management of chronic conditions, and member experience.
| CMS Measure | Star Rating |
|---|---|
| 2027 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | |
| Managing Chronic (Long Term) Conditions | |
| Member Experience with Health Plan | |
| Complaints and Changes in Plans Performance | Not enough data available |
| Health Plan Customer Service | Not enough data available |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
Contact Information for Align powered by Sanford Health Plan
- Website
- Align powered by Sanford Health Plan Plan Page
- Providers
- Align powered by Sanford Health Plan Providers Page
- Formulary
- Align powered by Sanford Health Plan Formulary Page
- Pharmacy
- Align powered by Sanford Health Plan Pharmacy Page
- New Member Health Plan Help
- (888)605-9277
- New Member Health Plan TTY
- 711
- New Member Part D Help
- (888)605-9277
- New Member Part D TTY Users
- 711
Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at Medicare.gov.
Plan Availability
Align SecureChoice Gold (H3186-001-0) is available in the following locations:
Frequently Asked Questions
Here are some of the most frequently asked questions about this plan (click to open).
Frequently Asked Questions About Align SecureChoice Gold (PPO)
How much does plan H3186-001 cost per month?
The plan’s monthly premium is $112.00 for 2027. The Part B premium is not included.
What is the annual out-of-pocket maximum (MOOP) for this plan?
The annual in-network MOOP is $7150.00 for 2027. After this limit is reached, covered in-network services are fully paid.
What is the CMS star rating for Align SecureChoice Gold?
The 2027 CMS star rating for Align SecureChoice Gold is ★0.0 out of 5.
What is the current enrollment for Align SecureChoice Gold?
The plan has 1,026 enrolled beneficiaries according to CMS.
What is the prescription drug deductible for 2027?
For 2027, the prescription drug deductible is $350.00.
Medicare Plan Data Sources and Methodology
| Data Source | Publisher | Last Accessed |
|---|---|---|
| Landscape Source Files | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Medicare Part C & D Performance | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Plan Benefits Package | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Monthly Enrollment by Contract/Plan/State/County | Centers for Medicare & Medicaid Services | October 5, 2026 |
Data sources and methodology documentation.
| Publisher | Reference | Last Accessed |
|---|---|---|
| Align powered by Sanford Health Plan (official source) | http://www.align.sanfordhealthplan.co | October 4, 2026 |
| Medicare.gov | Compare types of Medicare Advantage Plans | 25 May, 2025 |
| NCOA.org | 5 Steps to Choosing the Right Medicare Plan for You | 25 May, 2025 |
| Medicare.gov | Compare Original Medicare & Medicare Advantage | 25 May, 2025 |
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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.