Alignment Health Freedom (PPO)
Medicare Advantage Plan H8832-003 • 2026
Alignment Health Freedom (PPO) Medicare Advantage Plan H8832-003 • 2026
The Medicare Advantage plan identified by CMS Plan ID H8832-003 (Alignment Health Freedom) is a PPO Part C plan offered by Alignment Health Plan for the 2026 plan year. It uses a Preferred Provider Organization (PPO) provider network and comes with drug coverage (Part D prescriptions).
Alignment Health Freedom Overview
Plan Overview for H8832-003-0 |
|
|---|---|
| CMS Plan ID: | H8832-003-0 |
| Plan Type: | PPO |
| Plan Year: | 2026 |
| Monthly Premium: | $12.00 Plus your Medicare Part B premium. |
| Medical Deductible: | $0.00 |
| Maximum Out-of-Pocket: | $8500.00 (In-Network) |
| Part B Give Back: | Not offered |
| Prescription Drug Coverage: | Enhanced, $615.00 deductible |
| Additional Benefits: | Dental, Vision, Hearing |
| Service Area: | See List |
| Enrollment (Nationwide) | 193 beneficiaries |
| Provided By: | Alignment Health Plan |
Plan Availability
Alignment Health Freedom (H8832-003-0) is available in the following locations (click to open):
Coverage Overview for Alignment Health Freedom
This MAPD PPO Medicare Advantage plan includes Medicare Part A and Part B services along with integrated prescription drug coverage. The monthly premium is $12.00, and the plan allows access to Medicare-approved providers, with lower costs when using in-network providers. The annual Part D deductible is $615.00.
Primary care visits have a 20% coinsurance | Out-of-network: 20% coinsurance, and specialist visits come with a 20% coinsurance | Out-of-network: 20% coinsurance. Urgent care services carry a $0 copay, and ground ambulance transportation is 20% coinsurance | Out-of-network: 20% coinsurance. These costs apply toward the annual maximum out-of-pocket (MOOP) limit of $8500.00. After this limit is reached, in-network services are fully covered.
This plan is recognized by CMS under Plan ID {title_plan_id}. Cost-sharing details are outlined below.
Out-of-Pocket Costs
Alignment Health Freedom includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The table below outlines the most common in-network out-of-pocket costs associated with plan H8832-003.
This section outlines in-network costs for primary care and specialist office visits, along with related preventive services.
| Covered Service | In-Network Cost |
|---|---|
| Primary: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
| Specialist: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
This section outlines in-network costs for preventive and wellness services included in the plan.
| Covered Service | In-Network Cost |
|---|---|
| Annual wellness exam: | In-network: $0 copay |
| Telehealth benefit: | In-network: $0 copay |
| Routine chiropractic: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Fitness benefits: | In-network: $0 copay | Out-of-network: $0 copay, 0% coinsurance |
| Health education: | Not covered |
| Counseling services: | Not covered |
| Over-the-counter drug benefits: | Not covered |
| Health transportation (non-emergency): | In-network: $0 copay | Out-of-network: 20% coinsurance |
This section outlines in-network costs for diagnostic services, lab tests, x-rays, and other imaging services.
| Covered Service | In-Network Cost |
|---|---|
| Diagnostic radiology services: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
| Lab services: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
| Outpatient x-rays: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
| Diagnostic tests and procedures: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
This section outlines in-network costs for emergency services, urgent care, ambulance transportation, inpatient hospital stays, and skilled nursing facility care.
| Covered Service | In-Network Cost |
|---|---|
| Emergency room care: | 20% coinsurance |
| Worldwide emergency care: | $0 copay |
| Urgent care: | $0 copay |
| Inpatient hospital care: | In-network: | Tier 1 | $0 per day for days 1-60 | $419 per day for days 61-90 | $838 per day for days 91-150 | Out-of-network: | 20% per stay |
| Skilled Nursing Facility: | In-network: | Tier 1 | $0 per day for days 1-20 | $209.5 per day for days 21-100 | Out-of-network: | 20% per stay |
| Ground ambulance: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
This section outlines in-network costs for mental health services, including outpatient therapy and inpatient psychiatric care.
| Covered Service | In-Network Cost |
|---|---|
| Outpatient individual therapy: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
| Outpatient group therapy: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
| Inpatient psychiatric hospital care: | In-network: | Tier 1 | $0 per day for days 1-60 | $419 per day for days 61-90 | $838 per day for days 91-150 | Out-of-network: | 20% per stay |
This section outlines in-network costs for rehabilitation services, including physical therapy, speech and language therapy, and occupational therapy.
| Covered Service | In-Network Cost |
|---|---|
| Physical therapy and speech and language therapy: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
| Occupational therapy: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
This section outlines in-network costs for medical equipment and supplies, including diabetes supplies, durable medical equipment, and prosthetics.
| Covered Service | In-Network Cost |
|---|---|
| Diabetes supplies: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Durable medical equipment: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
| Prosthetics: | In-network: 20% coinsurance | Out-of-network: 20% coinsurance |
This section outlines in-network cost sharing for chemotherapy and other Medicare Part B-covered drugs.
| Covered Service | In-Network Cost |
|---|---|
| Chemotherapy: | In-network: 0%-20% coinsurance | Out-of-network: 20% coinsurance |
| Other Part B drugs (Medicare-covered): | In-network: 0%-20% coinsurance | Out-of-network: 20% coinsurance |
This section outlines in-network cost sharing for dental services, including preventive care, exams, x-rays, cleanings, and comprehensive dental procedures.
| Covered Service | In-Network Cost |
|---|---|
| Oral exam: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Dental x-rays: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Cleaning: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Periodontics: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Endodontics: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Restorative services: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Implant services: | Not covered |
| Orthodontics: | Not covered |
| Oral/Maxillofacial surgery: | In-network: $0 copay | Out-of-network: 20% coinsurance |
This section outlines in-network cost sharing for vision services, including eye exams, eyeglasses, and contact lenses.
| Covered Service | In-Network Cost |
|---|---|
| Routine eye exam: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Contact lenses: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Eyeglass frames only: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Eyeglass lenses only: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Eyeglasses (frames & lenses): | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Upgrades: | Not covered |
This section outlines in-network cost sharing for hearing-related services, including exams, fittings, and hearing aids.
| Covered Service | In-Network Cost |
|---|---|
| Hearing exam: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Fitting/evaluation: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Prescription hearing aids: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| OTC hearing aids: | Not covered |
This section outlines in-network cost sharing for additional and special needs services that may be included in the plan.
| Covered Service | In-Network Cost |
|---|---|
| Adult day health services: | Not covered |
| Home-based palliative care: | Not covered |
| Personal emergency response system: | In-network: $0 copay | Out-of-network: 20% coinsurance |
| Weight management programs: | Not covered |
| Wigs for chemotherapy-related hair loss: | Not covered |
| Alternative therapies: | Not covered |
| Massage therapy: | Not covered |
| Home/bathroom safety devices: | Not covered |
Certain preventive services are covered 100% by Alignment Health Freedom as a Part B benefit.
Prescription Drug Coverage
Alignment Health Freedom 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 Advantage coverage.
| Basic Part D Premium: | $12.00 |
|---|---|
| Supplemental Part D Premium: | $0.00 |
| Total Part D Premium: | $12.00 |
| Low-Income Premium Subsidy: | $12.00 |
| Low-Income Premium Subsidy Paid by CMS: | $12.00 |
| Low-Income Subsidy Premium: | $0.00 |
For more details, visit the Social Security Extra Help program.
Prescription Drug Plan Deductible
This plan has a $615.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Alignment Health Plan starts contributing towards your prescription costs.
Prescription Drug Plan Out-of-Pocket Costs
Beyond premiums and deductibles, Alignment Health Freedom 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 | 25% coinsurance | Coming soon |
| Preferred Brand | 25% coinsurance | Coming soon |
| Non-Preferred Drug | 30% coinsurance | Coming soon |
| Specialty Tier | 25% coinsurance | Coming soon |
| Select Care Drugs | $0.00 copay | Coming soon |
| *Deductible does not apply. | ||
Medicare Plan Star Ratings
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 |
|---|---|
| 2026 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | Plan too new to be measured |
| Managing Chronic (Long Term) Conditions | Plan too new to be measured |
| Member Experience with Health Plan | Plan too new to be measured |
| Complaints and Changes in Plans Performance | Plan too new to be measured |
| Health Plan Customer Service | Plan too new to be measured |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | Plan too new to be measured |
| Member Experience with the Drug Plan | Plan too new to be measured |
| Drug Safety and Accuracy of Drug Pricing | Plan too new to be measured |
Is there a monthly premium for this plan in 2026?
For 2026, the monthly premium is $12.00. Medicare Part B premiums apply in addition to this amount.
What is the annual out-of-pocket maximum (MOOP) for this plan?
The 2026 in-network MOOP is $8500.00. Once this limit is reached, covered in-network costs are fully covered.
What is the CMS star rating for this plan?
The 2026 CMS star rating for Alignment Health Freedom is ★0.0 out of 5.
What is the total enrollment for plan H8832-003?
CMS reports 193 beneficiaries enrolled in this plan.
Is there a Part D deductible for this plan?
The plan’s Part D deductible is $615.00, applied to covered prescription drug costs.
Contact Information for Alignment Health Plan
| Contact Type | Details |
|---|---|
| Website: | Alignment Health Plan Plan Page |
| New Members: | 1-888-979-2247 |
| Existing Members: | 1-866-634-2247 |
| Plan Address: | 1100 W Town and Country Rd Suite 1300 | Orange, CA 92868 |
Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at medicare.gov.
- CMS.gov, Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance — Last accessed May 2, 2026
- CMS.gov, Plan Benefits Package — Last accessed May 2, 2026
- CMS.gov, Monthly Enrollment by Contract/Plan/State/County — Last accessed May 2, 2026
Data sources and methodology documentation..
- Alignment Health Plan (official source), http://www.alignmenthealthplan.com — Last accessed October 13, 2025
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
MedicarePlans.com is an independent informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Provenance documentation for this data is maintained under 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.