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Imperial Courage Plan (HMO) (2027)

Medicare Advantage plan without drug coverage from Imperial Health Plan of California, Inc., plan ID H5496-016-000. Sold in 51 counties in California.

★★★★★4.0

2027 costs

Monthly premium$0
Medical deductible$0
Out-of-pocket maximum (in network)$2,999
Plan typeMedicare Advantage plan without drug coverage, HMO
Referral needed to see a specialistYes
Plan IDH5496-016-000

With a Medicare Advantage plan you also keep paying your Medicare Part B premium.

What this plan would cost for your prescriptions

Add your prescriptions to see this plan's estimated yearly cost for them, which of them are on its drug list, and how each compares with Cost Plus Drugs prices.

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What you pay for medical care

Primary care visit$0
Specialist visit$5
Preventive care$0
Urgent care$0
Emergency room$125
Hospital stay$150/day
Outpatient surgery$200
Lab tests$0
Mental health visit20%
Physical therapy20%
Medical equipment20%
TelehealthCovered

In-network amounts. A range means it depends on the service or provider.

Extra benefits

DentalNot covered
VisionNot covered
HearingNot covered
Over-the-counter itemsNot covered
FitnessNot covered
Rides to appointmentsNot covered

Where it's sold

California (51 counties)

Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.