2027 Medicare Advantage plan in Napa County
Imperial Courage Plan (HMO) in Napa County, CA (2027)
Plan ID H5496-016-0 · Imperial Health Plan of California, Inc. · HMO
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
- $2,999
- Drug coverage
- Not included
- Part B premium reduction
- $85 per month
- Star rating
- 4 of 5
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 | $85 per month |
| In-network out-of-pocket maximum | $2,999 per year |
| Prescription drug coverage | Not included (medical only) |
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 | $5 |
| Telehealth | $0 |
| Other health care professionals | $5 |
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) | $150 per day, days 1-5; $0 per day, days 6-90 |
| Skilled nursing facility | $0 per day, days 1-20; $200 per day, days 21-100 |
| Outpatient hospital | $200 |
| Observation services | $200 per stay |
| Ambulatory surgical center | $200 |
| Emergency care | $125 |
| Urgent 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 |
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) | 20% of the cost |
| Group therapy (mental health) | 20% of the cost |
| 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 | $150 per day, days 1-5; $0 per day, days 6-90 |
Therapy Costs
What you pay out of pocket for therapy and rehabilitation services.
| Service | What You’ll Pay |
|---|---|
| Occupational therapy | $10 |
| Physical therapy and speech therapy | 20% of the cost |
| Cardiac rehabilitation | 20% of the cost |
| Intensive cardiac rehabilitation | 20% of the cost |
| Pulmonary rehabilitation | 20% of the cost |
| Supervised exercise therapy for peripheral artery disease | 20% of the cost |
Additional Services & Treatments
What you pay out of pocket for additional treatment options.
| Service | What You’ll Pay |
|---|---|
| Podiatry (Medicare-covered) | $5 |
| Opioid treatment services | $0 |
| Home health care | $10 |
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 |
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 $2,999 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?
The premium and the out-of-pocket maximum are only half the picture. Run the check against your own doctors 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 Courage Plan (HMO) in Napa County in 2027?
Imperial Courage Plan (HMO) 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 Courage Plan (HMO)?
The in-network out-of-pocket maximum is $2,999 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.
Does Imperial Courage Plan (HMO) include prescription drug coverage?
No. Imperial Courage Plan (HMO) is a medical-only plan with no Part D drug coverage. Most people who pick a medical-only plan pair it with a separate Part D drug plan, because going without creditable drug coverage can lead to a late enrollment penalty.
What is the Medicare star rating for Imperial Courage Plan (HMO)?
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 Courage Plan (HMO) include a Part B premium reduction?
Yes. Imperial Courage Plan (HMO) reduces your Part B premium by $85 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 Courage Plan (HMO)?
In-network costs from the plan's CMS filing: Primary care provider (PCP) $0; Specialist $5; Telehealth $0; Other health care professionals $5. The Doctor Costs section on this page lists the full set of visit costs.
How does Imperial Courage Plan (HMO) 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 Courage Plan (HMO) costs $0 per month with an in-network out-of-pocket maximum of $2,999. The right comparison also checks your doctors, prescriptions, and pharmacy, which a premium table cannot show.
Who can help me enroll in Imperial Courage Plan (HMO)?
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 Courage Plan (HMO) 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.