California Medicare Advantage Plan for 2027

Medicare Advantage Prescription Drug HMO Plan

Champion Health Plan has a general Medicare Advantage plan for individuals who reside in California who want strong coverage and extra benefits without needing a special condition to qualify. Available to individuals with Medicare only or Medicare and Medi-Cal.

Member Services Hours of Operation | October 1 – March 31: 7 days a week, 8am – 8pm | April 1 – September 30: Monday – Friday, 8am – 8pm

$0.00

Monthly Premium

$0.00

No Annual Plan Deductible

$300.00

Allowance every quarter on OTC, Healthy Foods or Utilities

California

Champion Ally - Medicare Advantage Plan

Champion Health Plan offers Champion Ally which is a great choice for Medicare beneficiaries that don’t qualify for a Chronic Condition Special Needs plan (C-SNP). This plan reduces the cost of prescription drugs while adding additional services and benefits.

Extra Benefits Beyond Original Medicare; No Qualifying Condition Needed

MAPD HMO

Champion Ally

Medicare or Medicare and Medi-Cal

Enroll Now

California Counties Available

  • Imperial County
  • Fresno County
  • Kern County
  • Los Angeles County
  • Madera County
  • Orange County
  • Riverside County
  • San Bernardino County
  • San Diego County
Doctor & Care Cost Champion Ally
Monthly Premium

In-Network: $0

Annual Plan Deductible

In-Network: No Deductible

Annual Maximum Out of Pocket (MOOP)

In-Network: $499

Primary Care Physician

In-Network: $0 Copay

Specialists*

In-Network: $0 Copay

Diagnostic Radiology, Labs*

In-Network: $0 Copay

Annual Physical Exam

In-Network: $0 Copay for one exam per year

Dialysis

In-Network: 20% of the Cost

Urgent Care

In-Network: $0 Copay

Emergency Care

In-Network: $150 Copay
Copay is waived if admitted to hospital within 24 hours for related health event.

Worldwide Emergency Care

In-Network: $0 Copay for up to $100,000 maximum Worldwide benefit limit reimbursable by the plan not to exceed 60% of local Medicare rates. Combined with Worldwide Urgently Needed Care.

Inpatient Hospital*

In-Network: $0 Per Stay

Outpatient Hospital*

In-Network: $100 Copay for outpatient hospital services
$0 Copay for surgery in an Ambulatory Surgery Center
$0 Copay for outpatient hospital observation

Plan Benefits Champion Ally
Healthy Foods / Over-the-Counter Items / Utilities Benefit

In-Network: $225 Allowance every quarter.
$0 Copay for quarterly allowance to use for healthy foods and produce, over-the-counter items, and/or assistance with utilities. Some of the benefits mentioned are a part of a special supplemental program for the chronically ill. Not all members qualify. Qualifying conditions include diabetes, cardiovascular disorders, stroke, overweight, obesity, metabolic syndrome, and cancer. This is not a full listing of eligible conditions. Please see your Evidence of Coverage, Chapter 4, Section 2’s Medical Benefit Chart for Special Supplemental Benefits for the Chronically Ill for more information about eligibility and a full listing of qualifying conditions. Unused monies from the first quarter will roll to the second quarter; but not to subsequent quarters. This rolling schedule for rollover of unused funds applies to the remaining quarters of the year.

Transportation

In-Network: $0 Copay for 48 one-way trips to plan-approved health-related locations, up to 25 miles per trip

Dental Services*

In-Network: $0 Copay for Preventive Dental Services and Medicare-covered dental services
20% to 40% of the Cost for Comprehensive Dental Services. Limitations may apply.
$3,000 yearly benefit coverage limit for preventive and comprehensive dental services combined

Routine Eye Exam

In-Network: $0 Copay for one exam and one refraction every year

Vision Eyewear (frames/lenses/contacts)

In-Network: $350 Allowance every year

Routine Hearing Exam

In-Network: $0 Copay for one exam and one fitting/evaluation every year

Hearing Aid

In-Network: $149 Copay per TruHearing Advanced hearing aid (all models), up to 2 aids every 3 years

Respite

In-Network: $0 Copay for up to 12 four-hour sessions with Helper Bees

Personal Emergency Response System (PERS)

In-Network: $0 Copay

Prescription Drug Costs Champion Ally
Tier 1 - Preferred Generics (Participating Retail Pharmacy)

In-Network: $0 Copay

Tier 1 - Preferred Generics (Mail Order)

In-Network: $0 Copay

Tier 2 - Non-Preferred Generics (Participating Retail Pharmacy)

In-Network: $5 Copay

Tier 2 - Non-Preferred Generics (Mail Order)

In-Network: $10 Copay

Tier 3 - Preferred Brand (Participating Retail Pharmacy)

In-Network: $47 Copay

Tier 3 - Preferred Brand (Mail Order)

In-Network: $94 Copay

Tier 4 - Non-Preferred Brands (Participating Retail Pharmacy)

In-Network: $100 Copay

Tier 4 - Non-Preferred Brands (Mail Order)

In-Network: $200 Copay

Tier 5 - Specialty Drugs (Participating Retail Pharmacy)

In-Network: 33% of the Cost

Tier 5 - Specialty Drugs (Mail Order)

In-Network: A 100-day supply is not available in Tier 5

Tier 6 - Select Care (Participating Retail Pharmacy)

In-Network: $0 Copay

Tier 6 - Select Care (Mail Order)

In-Network: $0 Copay

Insulin

In-Network: At retail pharmacy locations, you won’t pay more than $35 for a one-month supply or $105 for a three-month supply of each insulin product covered by our plan on Tiers 2, 3 and 4. You will not pay more than $35 for a one-month supply of insulin on Tier 5. For mail order, you won’t pay more than $70 for a three month supply of each insulin product covered by our plan on Tiers 2, 3 and 4. Long term supplies of insulins in Tier 5 are not available through retail or mail order.

Plan Resources Champion Ally
Summary of Benefits Download
Annual Notice of Change (ANOC) Download
Over-the-Counter Catalog Download
Healthy Foods Catalog Download
Dental Fee Schedule Download
Clinical Criteria Download
Verification of Chronic Condition Form Download
Health Risk Assessment Form Download
Enrollment Form Download
Evidence of Coverage (EOC) Download
Enrollment Kit Download

There Are Other Ways to Enroll

By Phone

Speak with a licensed sales rep at 1-800-885-8000 | TTY: 711

Member Services Hours of Operation | October 1 – March 31: 7 days a week, 8am – 8pm | April 1 – September 30: Monday – Friday, 8am – 8pm

Call Now

By Mail

Download the enrollment form and mail it to:
Champion Health Plan
Attn: Enrollment
5000 Airport Plaza Drive, Suite 100
Long Beach, CA 90815

Download Enrollment Kit

Medicare Website

Enroll through the CMS Medicare Enrollment Center

Learn More

This page was last updated on 9/1/2026. Pending CMS approval.