2027 Medicare Advantage plan in San Francisco
Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) in San Francisco, CA (2027)
Plan ID H0524-032-0 · Kaiser Permanente · HMO
4.5 out of 5 stars for 2027
Chat with a licensed advisor to get help comparing plans, confirming doctors, enrollment, and ongoing support.
- Monthly premium
- $105
- In-network out-of-pocket max
- $3,900
- Drug deductible
- $0
- Star rating
- 4.5 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 | $105 per month |
| In-network out-of-pocket maximum | $3,900 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 | $15 |
| Telehealth | $0 |
| Other health care professionals | $0 to $15 |
| 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) | $350 per day, days 1-5; $0 per day, days 6-90 |
| Skilled nursing facility | $0 per day, days 1-20; $221 per day, days 21-100 |
| Outpatient hospital | $0 to $350 |
| Observation services | $0 to $150 per stay |
| Ambulatory surgical center | $350 |
| Emergency care | $150 |
| Urgent care | $0 |
| Worldwide emergency care | $150 |
| Ground ambulance | $350 |
| Air ambulance | $350 |
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 |
| Diagnostic radiology (such as CT, MRI, PET) | $10 to $300 |
| Therapeutic radiology | $0 |
| Outpatient x-rays | $10 |
| 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 |
|---|---|
| Comprehensive | |
| Periodontics | $0 |
| Adjunct general services | $0 |
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 to $15 |
| Routine eye exam | $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) | $0 |
| Group therapy (mental health) | $0 |
| Individual therapy with a psychiatrist | $0 |
| Group therapy with a psychiatrist | $0 |
| Outpatient substance use services, individual | $0 |
| Outpatient substance use services, group | $0 |
| Partial hospitalization | $0 |
| Intensive outpatient services | $0 |
| Inpatient | |
| Inpatient psychiatric hospital | $350 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 | $5 to $10 |
| Physical therapy and speech therapy | $0 to $10 |
| Cardiac rehabilitation | $0 to $15 |
| Intensive cardiac rehabilitation | $0 to $15 |
| 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 |
|---|---|
| Podiatry (Medicare-covered) | $15 |
| 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 | 0% to 20% of the cost |
| Prosthetics, orthotics, and medical supplies | 0% to 20% of the cost |
| Diabetes supplies | $0 |
| Diabetes shoes and inserts | 20% of the cost |
| Diabetes monitors | $0 |
| Renal dialysis | 20% of the cost |
| Blood (first 3 pints) | $0 |
| Kidney disease education | $0 |
| Residential Substance Use Disorder and MH Treatment | $100 |
| DME and Prosthetic/Medical Supplies not covered by Medicare | 0% to 20% of the cost |
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 | $0 |
| Transportation | $0 |
| Health education | $0 |
| Nutritional and dietary benefit | $0 |
| Fitness benefit | $0 |
| Remote access technologies and nursing hotline | $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 | $5 |
| Preferred Brand | $47 |
| Non-Preferred Drug | $100 |
| Specialty Tier | 30% of the cost |
| Vaccines | $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
- 4.5 out of 5 stars
- Health plan rating (Part C)
- 4 out of 5 stars
- Drug plan rating (Part D)
- 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 (H0524) shares the ratings above.
How this plan sits in San Francisco
San Francisco has 46 Medicare Advantage plans for 2027, and 27 of them have a $0 monthly premium. This plan costs $105 per month and caps in-network out-of-pocket costs at $3,900 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 San Francisco explains how we verify your care team against a plan before anyone enrolls.
Questions about this plan
What is the monthly premium for Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) in San Francisco in 2027?
Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) costs $105 per month in San Francisco for 2027, on top of your Part B premium.
What is the out-of-pocket maximum for Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO)?
The in-network out-of-pocket maximum is $3,900 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 Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO)?
Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) 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 Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO)?
CMS rates this plan's contract 4.5 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.
What do doctor visits cost with Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO)?
In-network costs from the plan's CMS filing: Primary care provider (PCP) $0; Specialist $15; Telehealth $0; Other health care professionals $0 to $15; Annual physical exam $0. The Doctor Costs section on this page lists the full set of visit costs.
How does Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) compare with other 2027 plans in San Francisco?
San Francisco has 46 Medicare Advantage plans for 2027, and 27 of them have a $0 monthly premium. Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) costs $105 per month with an in-network out-of-pocket maximum of $3,900. The right comparison also checks your doctors, prescriptions, and pharmacy, which a premium table cannot show.
Who can help me enroll in Kaiser Permanente Senior Advantage Alam., SF, Napa (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 San Francisco, 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 Kaiser Permanente Senior Advantage Alam., SF, Napa (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.