2027 Medicare Advantage plan in Napa County
Imperial Senior Value (HMO C-SNP) in Napa County, CA (2027)
Plan ID H5496-005-0 · Imperial Health Plan of California, Inc. · HMO C-SNP
4 out of 5 stars for 2027
Chat with a licensed advisor to get help comparing plans, confirming doctors, enrollment, and ongoing support.
- Monthly premium
- $0
- In-network out-of-pocket max
- $295
- Drug deductible
- $0
- Part B premium reduction
- $12 per month
- Star rating
- 4 of 5
Who can enroll in this plan
This is a Chronic Condition Special Needs Plan (C-SNP). Only people with a qualifying chronic condition can enroll, and the plan will verify that you have the condition. Not everyone can enroll in this plan.
Plan Costs
Your plan may include a monthly premium, an annual deductible, and copays or coinsurance for care.
| Service | What You’ll Pay |
|---|---|
| Monthly premium | $0 per month |
| Part B premium reduction | $12 per month |
| In-network out-of-pocket maximum | $295 per year |
| Prescription drug coverage | Included |
| Annual drug deductible | $0 per year |
Doctor Costs
What you pay out of pocket to see a primary care doctor or specialist.
| Service | What You’ll Pay |
|---|---|
| Primary care provider (PCP) | $0 |
| Specialist | $0 |
| Telehealth | $0 |
| Other health care professionals | $0 |
| Annual physical exam | $0 |
Facility Costs
What you pay out of pocket for care at a hospital, urgent care, or skilled nursing facility.
| Service | What You’ll Pay |
|---|---|
| Inpatient hospital (acute) | $0 per day, days 1-90 |
| Skilled nursing facility | $0 per day, days 1-20; $100 per day, days 21-50; $200 per day, days 51-100 |
| Outpatient hospital | $100 |
| Observation services | $100 per stay |
| Ambulatory surgical center | $100 |
| Emergency care | $125 |
| Urgent care | $0 |
| Worldwide emergency care | $0 |
| Ground ambulance | $150 |
| Air ambulance | 20% of the cost |
Diagnostics
What you pay out of pocket for diagnostic tests, labs, radiology, and x-rays.
| Service | What You’ll Pay |
|---|---|
| Diagnostic tests and procedures | $0 |
| Lab services | $0 |
| Therapeutic radiology | 20% of the cost |
| Glaucoma screening | $0 |
| Diabetes monitoring | $0 |
| Digital rectal exam (prostate screening) | $0 |
| EKG screening | $0 |
Dental Care Costs
What you pay out of pocket for dental services.
| Service | What You’ll Pay |
|---|---|
| Preventive | |
| Oral exams | $0 |
| Cleanings | $0 (up to 2 per year) |
| Dental x-rays | $0 |
| Fluoride treatments | $0 (up to 2 per year) |
| Comprehensive | |
| Restorative services | $0 |
| Endodontics | $0 |
| Periodontics | $0 |
| Prosthodontics, removable | $0 |
| Prosthodontics, fixed | $0 |
| Oral and maxillofacial surgery | $0 |
| Adjunct general services | $0 |
| Comprehensive dental plan maximum | $4,000 per year |
Vision Care Costs
What you pay out of pocket for vision care, including routine exams and eyewear.
| Service | What You’ll Pay |
|---|---|
| Eye exam (Medicare-covered) | $0 |
| Routine eye exam | $0 |
| Eyewear | |
| Eyewear (Medicare-covered) | $0 |
| Contact lenses | $0 |
| Eyeglasses | $0 |
| Combined eyewear allowance | $500 per year |
Hearing Care Costs
What you pay out of pocket for hearing services, including hearing aids and exams.
| Service | What You’ll Pay |
|---|---|
| Hearing exam (Medicare-covered) | $0 |
| Routine hearing exam | $0 |
| Hearing aid fitting and evaluation | $0 |
| Hearing aids | $0 |
| Hearing aid allowance | $500 per year |
Mental Health Care Costs
What you pay out of pocket for mental health and substance use care.
| Service | What You’ll Pay |
|---|---|
| Outpatient | |
| Individual therapy (mental health) | $0 |
| Group therapy (mental health) | $0 |
| Individual therapy with a psychiatrist | $0 |
| Group therapy with a psychiatrist | $0 |
| Outpatient substance use services, individual | 20% of the cost |
| Outpatient substance use services, group | 20% of the cost |
| Partial hospitalization | 20% of the cost |
| Intensive outpatient services | 20% of the cost |
| Inpatient | |
| Inpatient psychiatric hospital | $0 per day, days 1-90 |
Therapy Costs
What you pay out of pocket for therapy and rehabilitation services.
| Service | What You’ll Pay |
|---|---|
| Occupational therapy | $0 |
| Physical therapy and speech therapy | $0 |
| Cardiac rehabilitation | $0 |
| Intensive cardiac rehabilitation | $0 |
| Pulmonary rehabilitation | $0 |
| Supervised exercise therapy for peripheral artery disease | $0 |
Additional Services & Treatments
What you pay out of pocket for additional treatment options.
| Service | What You’ll Pay |
|---|---|
| Chiropractic care | $0 |
| Podiatry (Medicare-covered) | $0 |
| Opioid treatment services | $0 |
| Acupuncture | $0 |
| Home health care | $0 |
Other Services
What you pay out of pocket for equipment, supplies, and other services.
| Service | What You’ll Pay |
|---|---|
| Durable medical equipment | 20% of the cost |
| Prosthetics, orthotics, and medical supplies | 20% of the cost |
| Diabetes supplies | $0 |
| Diabetes shoes and inserts | $0 |
| Diabetes monitors | $0 |
| Renal dialysis | 20% of the cost |
| Blood (first 3 pints) | $0 |
| Kidney disease education | $0 |
Extra Benefits
Benefits that Original Medicare does not cover. Some amounts are allowances the plan pays toward the service.
| Service | What You’ll Pay |
|---|---|
| Over-the-counter (OTC) items allowance | $45 per month |
| Meals (short duration, after a hospital stay or for chronic conditions) | $0 |
| Transportation (70 trips per year) | $0 |
| Fitness benefit | $0 |
| In-home support services | $0 |
Prescription Drugs
What you pay for covered prescription drugs in the initial coverage stage, for a one month supply at a retail pharmacy. Your actual cost depends on the drug and the pharmacy you use.
| Service | What You’ll Pay |
|---|---|
| Annual drug deductible | $0 per year |
| Preferred Generic | $0 |
| Generic | $6 |
| Preferred Brand | $45 |
| Non-Preferred Drug | $90 |
| Specialty Tier | 33% of the cost |
| Select Care Drugs | $0 |
Costs shown are the in-network costs this plan filed with CMS for covered services. Premiums do not include the Part B premium, which most people pay separately, and do not reflect low-income subsidies. A service that is not listed here is either not covered by this plan or its cost could not be stated plainly from the plan’s filing; we can walk through the plan’s full cost details with you before you enroll.
Star Ratings
- Overall rating
- 4 out of 5 stars
- Health plan rating (Part C)
- 3.5 out of 5 stars
- Drug plan rating (Part D)
- 4.5 out of 5 stars
Every year, Medicare rates Medicare Advantage and Part D plans on a scale of 1 to 5 stars, based on the quality of care and customer service a plan delivers. CMS publishes these ratings by contract, not by individual plan, so every plan under this contract (H5496) shares the ratings above.
How this plan sits in Napa County
Napa County has 8 Medicare Advantage plans for 2027, and 6 of them have a $0 monthly premium. This plan costs $0 per month and caps in-network out-of-pocket costs at $295 for the year. Price alone does not tell you whether it keeps your care team, so compare it with the rest of the county before you decide.
What to check before you enroll
Your doctors. Check that your doctors and hospitals take this exact plan, not just this carrier. Networks are set plan by plan and can change each year.
Your prescriptions. Check each prescription against this plan's drug list and its drug deductible, and confirm what your medicines would cost at the pharmacy you use.
Your pharmacy. Confirm your pharmacy is in the plan's network. A pharmacy outside the network can raise what you pay for the same prescription.
Does this plan cover your doctors and prescriptions?
The premium and the out-of-pocket maximum are only half the picture. Run the check against your own doctors, prescriptions, and pharmacy to see what this plan would really cost you. It takes a minute, and Eric follows up with what the check finds, at no cost to you.
Our doctor check for Napa County explains how we verify your care team against a plan before anyone enrolls.
Questions about this plan
What is the monthly premium for Imperial Senior Value (HMO C-SNP) in Napa County in 2027?
Imperial Senior Value (HMO C-SNP) has a $0 monthly premium in Napa County for 2027. You would still pay your Part B premium, which most people pay separately.
What is the out-of-pocket maximum for Imperial Senior Value (HMO C-SNP)?
The in-network out-of-pocket maximum is $295 per year. Once your in-network costs for covered services reach that amount, the plan pays 100 percent of covered in-network costs for the rest of the year.
What is the prescription drug deductible for Imperial Senior Value (HMO C-SNP)?
Imperial Senior Value (HMO C-SNP) has a $0 annual drug deductible, so its drug coverage starts with your first covered prescription of the year.
What is the Medicare star rating for Imperial Senior Value (HMO C-SNP)?
CMS rates this plan's contract 4 out of 5 stars for 2027. Star ratings are published by contract, not by individual plan, and they reflect the quality of care and customer service across every plan under the contract.
Does Imperial Senior Value (HMO C-SNP) include a Part B premium reduction?
Yes. Imperial Senior Value (HMO C-SNP) reduces your Part B premium by $12 per month. The reduction applies only if you pay your own Part B premium; if Medi-Cal or a Medicare Savings Program pays your premium, the reduction lowers what the state pays instead of putting money back in your check.
What do doctor visits cost with Imperial Senior Value (HMO C-SNP)?
In-network costs from the plan's CMS filing: Primary care provider (PCP) $0; Specialist $0; Telehealth $0; Other health care professionals $0; Annual physical exam $0. The Doctor Costs section on this page lists the full set of visit costs.
Who can enroll in Imperial Senior Value (HMO C-SNP)?
This is a Chronic Condition Special Needs Plan (C-SNP). Only people with a qualifying chronic condition can enroll, and the plan will verify that you have the condition. Not everyone can enroll in this plan. Talk with us first and we will help you check whether you qualify.
How does Imperial Senior Value (HMO C-SNP) compare with other 2027 plans in Napa County?
Napa County has 8 Medicare Advantage plans for 2027, and 6 of them have a $0 monthly premium. Imperial Senior Value (HMO C-SNP) costs $0 per month with an in-network out-of-pocket maximum of $295. The right comparison also checks your doctors, prescriptions, and pharmacy, which a premium table cannot show.
Who can help me enroll in Imperial Senior Value (HMO C-SNP)?
Eric Ullrich, a licensed independent Medicare agent, can check this plan against your doctors, specialists, and prescriptions, help you compare it with the other plans in Napa County, and walk you through the next steps to enroll, at no cost to you. Call or text 415.617.5402 or start the check from this page.
Speak with a licensed insurance agent
Call or text, Mon to Thu 9 AM to 8 PM, Fri 9 AM to 3 PM, Sat 9 AM to 2 PM PT
Talk through Imperial Senior Value (HMO C-SNP) with Eric. We will check your doctors, prescriptions, and pharmacy against this plan and compare it with your other options, at no cost to you. No call center and no pressure.
Plan facts on this page are from the CMS CY2027 Medicare plan landscape data, the CMS Plan Benefit Package (PBP) Benefits 2027 filing, and the CMS 2027 Star Ratings Data Tables (Oct 8, 2026), snapshot generated 2026-10-27. Verify plan details with the plan or at Medicare.gov before enrolling.