Align SecureChoice (PPO) Medicare Advantage Plan H3186-002 • 2027
- Monthly Premium
- $35.00Plus Part B premium.
- Medical Deductible
- $0.00
- Maximum Out-of-Pocket
- $9850.00In-network
- Part B Giveback
- Not offered
- Prescription Coverage
- Enhanced, $500.00 deductible
- Additional Benefits
- Dental, Vision, Hearing
- Service Area
- See List
- Total Enrollment
- 1,855 beneficiaries
Align SecureChoice (PPO) Introduction
This Medicare Advantage PPO plan, Align SecureChoice, is offered by Align powered by Sanford Health Plan and uses a Preferred Provider Organization (PPO) provider network. It comes with prescription drug coverage. For the 2027 plan year, the monthly premium is $35.00, the medical deductible is $0.00, and the in-network maximum out-of-pocket is $9850.00. The plan is identified by CMS Plan ID H3186-002. The 2027 Part D prescription drug deductible is $500.00.
Plan Benefits
Align SecureChoice includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The tables below outline the most common in-network out-of-pocket costs associated with plan H3186-002.
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: $15-$30 copay |
| Specialist | In-network: $50 copay Out-of-network: 50% coinsurance |
In-network: $0-$50 copay Out-of-network: $55-$60 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-$420 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-$375 copay Out-of-network: 20% coinsurance |
| Lab services | In-network: $10 copay Out-of-network: 50% coinsurance |
In-network: $10 copay Out-of-network: $10 copay |
| Outpatient x-rays | In-network: $20 copay Out-of-network: 50% coinsurance |
In-network: $20 copay Out-of-network: $40 copay |
| Diagnostic tests and procedures | In-network: $45 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 | $115 copay | $120 copay |
| Worldwide emergency care | Coming soon | $0 copay |
| Urgent care | $0-$40 copay | $35 copay |
| Inpatient hospital care | In-network: Tier 1 $520 per day for days 1-4 $0 per day for days 5-90 $0 per stay Out-of-network: 14% per stay |
In-network: Tier 1 $300 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: 10% 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: $350 copay Out-of-network: $350 copay |
In-network: $240 copay Out-of-network: $240 copay |
Mental Health Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Outpatient individual therapy | In-network: $50 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: $30 copay |
| Outpatient group therapy | In-network: $50 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: $30 copay |
| Inpatient psychiatric hospital care | In-network: Tier 1 $520 per day for days 1-4 $0 per day for days 5-90 $0 per stay Out-of-network: 14% per stay |
In-network: Tier 1 $300 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: $35 copay Out-of-network: 50% coinsurance |
In-network: $40 copay Out-of-network: $60 copay |
| Occupational therapy | In-network: $35 copay Out-of-network: 50% coinsurance |
In-network: $40 copay Out-of-network: $60 copay |
Medical Equipment and Supplies
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diabetes supplies | In-network: $0 copay Out-of-network: 30% coinsurance |
In-network: $0 copay Out-of-network: 20% coinsurance |
| Durable medical equipment | In-network: 20% coinsurance Out-of-network: 25% 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: 50% coinsurance |
| Contact lenses | In-network: $0 copay Out-of-network: 50% coinsurance |
In-network: $0 copay Out-of-network: 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 as a Part B benefit.
Prescription Drug Coverage
Align SecureChoice 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: | $17.70 |
| Supplemental Part D Premium: | $$0.00 |
| Total Part D Premium: | $17.70 |
| Low-Income Premium Subsidy: | $24.60 |
| Low-Income Premium Subsidy Paid by CMS: | $17.70 |
| Low-Income Subsidy Premium: | $0.00 |
For more details, visit the Social Security Extra Help program .
Prescription Drug Plan Deductible
This plan has a $500.00 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 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 | 27% coinsurance | Coming soon |
| Select Care Drugs | $0.00 copay | Coming soon |
| *Deductible does not apply. | ||
CMS 5-Star Performance Ratings (Contract ID: H3186)
CMS evaluates Medicare Advantage (Part C) and Part D plans annually using a 5-star rating system. Ratings reflect performance in preventive care, chronic condition management, 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 (H3186-002-0) 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 (PPO)
What is the monthly premium for Align SecureChoice (PPO)?
The 2027 monthly premium is $35.00. The Medicare Part B premium is paid separately.
What is the in-network MOOP for plan H3186-002?
For 2027, the in-network maximum out-of-pocket is $9850.00. The plan pays 100% of covered in-network services beyond this amount.
What is the star rating for plan H3186-002 in 2027?
For 2027, plan H3186-002 has a CMS star rating of ★0.0 out of 5 stars.
What is the total enrollment for plan H3186-002?
Total enrollment is 1,855 beneficiaries based on the latest CMS data.
Is there a Part D deductible for this plan?
The Part D deductible is $500.00.
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 |
| CMS.gov | Medicare Advantage Plan Fact Sheet | 25 May, 2025 |
| Medicare.gov | Joining a plan | 25 May, 2025 |
| Medicare.gov | Your coverage options | 25 May, 2025 |
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