Skip to content
The Pocket Protector, home
Medicare Advantage · Local PPO
Align powered by Sanford Health Plan
Plan year 2027

Align SecureChoice Gold (PPO) H8385-006

Monthly premium
$100
+ your Part B premium
Max out-of-pocket
$6,500
in-network annual cap
Primary care
$0
per visit copay
Specialist
$45
per visit

Your costs at a glanceIn-network, for the 2027 plan year

Medical deductible
$0
Max out-of-pocket, in and out of network
$9,500
Rx deductible
$350
Inpatient hospital
Days 1-4: $450/day, Days 5-90: $0/day
no limit on covered hospital days
Inpatient mental health
Days 1-4: $450/day, Days 5-90: $0/day
Outpatient surgery
$350
Emergency room
$130
Urgent care
$45

What's included, and what it's actually worth4 benefits included. Tap any card for the detail

Hearing

$499–$999copay per hearing aid
Details$499–$999 copay per hearing aid
This is a supplemental benefit with plan-specific limits. See plan documents for details.

OTC allowance

$85/quarter OTC allowance
Prepaid card$85/quarter OTC allowance
See more details about this plan
Doctor Visits: PCP$0 copay
In-network$0 copay per visit
Doctor Visits: Specialist$45 copay
In-network$45 copay per visit
Inpatient Hospital$450/day, days 1–4
In-networkDays 1-4: $450/day, Days 5-90: $0/day
Benefit limitNone — additional covered days are unlimited
Outpatient Surgery$350 copay
In-network$350 copay per procedure
Mental HealthDays 1-4: $450/day, Days 5-90: $0/day
Inpatient psychiatricDays 1-4: $450/day, Days 5-90: $0/day
VisionRoutine vision benefit
DetailsRoutine vision benefit
This is a supplemental benefit with plan-specific limits. See plan documents for details.
Fitness$0 fitness benefit

Your coverageCheck your coverageFrom the doctors and prescriptions you added

Our take

Where this plan shines

See your primary doctor for $0.
No separate medical deductible.

Things to know before you enroll

This plan’s out-of-pocket maximum is above the national median.
Limited coverage while traveling outside the plan’s service area.
Questions? Talk to a licensed agent at1-866-764-3312 (TTY: 711)

Plan documents

Plan questions

Common questions about Align SecureChoice Gold (PPO) (Local PPO)

What does Align SecureChoice Gold (PPO) (Local PPO) cover?

Align SecureChoice Gold (PPO) (Local PPO) is a Medicare Advantage plan that the current plan record identifies as including Part D prescription drug coverage. The plan record also identifies Part D prescription drug coverage. Published supplemental benefits include vision (Routine vision benefit), hearing ($499–$999 copay per hearing aid), over-the-counter (OTC) ($85/quarter OTC allowance), and fitness ($0 fitness benefit). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does Align SecureChoice Gold (PPO) (Local PPO) cost in 2027?

The published 2027 monthly plan premium for Align SecureChoice Gold (PPO) (Local PPO) is $100. Any Medicare premiums you owe are separate from the listed plan premium. The listed medical deductible is $0. The listed Part D deductible is $350. The in-network medical out-of-pocket maximum is $6,500; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $45. These figures are plan data, not a personal yearly-cost estimate.

Understand Medicare drug-cost limits

Can I use my current doctors with Align SecureChoice Gold (PPO) (Local PPO)?

CMS lists Align SecureChoice Gold (PPO) (Local PPO) as a Local PPO plan. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

Check your doctors

Does Align SecureChoice Gold (PPO) (Local PPO) cover my prescriptions?

The current plan record for Align SecureChoice Gold (PPO) (Local PPO) does not include tier-level formulary costs. The listed Part D deductible is $350. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

Check your prescriptions

What dental, vision, and hearing benefits does Align SecureChoice Gold (PPO) (Local PPO) include?

The current plan record for Align SecureChoice Gold (PPO) (Local PPO) lists vision (Routine vision benefit) and hearing ($499–$999 copay per hearing aid). It also lists over-the-counter (OTC) ($85/quarter OTC allowance). The current data does not list dental as offered benefits. Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

When can I enroll in Align SecureChoice Gold (PPO) (Local PPO)?

Align SecureChoice Gold (PPO) (Local PPO) is a 2027 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.

Review Medicare enrollment periods

More plan options

Browse the full 2027 Medicare Advantage with drug coverage directory. This plan is offered in Iowa, North Dakota, and South Dakota. Plan availability can vary by county.

Helpful next steps

Align SecureChoice Gold H8385-006 (PPO) — 2027 Costs & Benefits