Alignment Health Sutter Advantage +More (HMO) in Santa Cruz County, California — 2026 plan details

Plan facts (CMS CY2026 Landscape file)

How this plan is structured

• $59 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
• HMO plan type. In an HMO-style Medicare Advantage plan, in-network care and primary-care referral rules generally apply. See how Medicare Advantage HMO and PPO plans differ.
• $4,900 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
• Service area = Santa Cruz County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.

How it compares in Santa Cruz County

The CMS CY2026 Landscape file lists 8 Medicare Advantage plans in Santa Cruz County, California, of which 0 carry a 5.0-star overall rating and 4 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $88.00 per month, and in-network out-of-pocket maximums range from $296.00 to $9250.00.

For the full county plan directory, see all Medicare plans in Santa Cruz County, California.

How to verify your doctors take this plan

Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:

1. Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H3815-021.
2. Call the plan (Alignment Healthcare USA, LLC) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
3. Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.

What H3815-021 means

CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H3815-021, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 3815 are the contract number issued to the organization, and the three-digit 021 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).

Frequently asked questions