Central Health Valor Care Plan (HMO)

by Central Health Medicare Plan

2026 Medicare Advantage plan available in California

Plan ID H5649-030-0

Additional coverage:

HearingVisionDental

Medicare Advantage HMO $0 premium 3.0 Overall

Monthly plan premium $0 / mo

Annual deductible $0 / yr

Max out-of-pocket · in-network $4,400 / yr

3.0 Overall Government Star Rating 2026 · out of 5 stars

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Plan Overview

Central Health Valor Care Plan (HMO) is a Medicare Advantage Plan Without Prescription Drugs, which is available in California and offered by the health insurance company Central Health Medicare Plan. This plan's network type is HMO, which determines the in-network doctors who accept the plan and whether a referral is needed.

Plan Name Central Health Valor Care Plan (HMO)

Insurance Carrier Central Health Medicare Plan

Plan Type Medicare Advantage Plan Without Prescription Drugs

Network Type HMO

Cost Summary

Central Health Valor Care Plan (HMO) has a monthly premium cost of $0 per month, with an annual deductible of $0 and a maximum out-of-pocket cost sharing of $4,400. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.

Monthly Premium $0 / mo

Annual Deductible $0 / yr

Max Out-of-Pocket · in-network $4,400 / yr

Primary doctor visit $0 copay

Specialist visit $0 copay

ER visit $130 copay

Ambulance $0-$275 copay

Additional Benefits and Coverage

Central Health Valor Care Plan (HMO) is a Medicare Advantage plan which does not include Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. Central Health Valor Care Plan (HMO) includes coverage for hearing, vision, dental.

Part D Prescription Drug Coverage No

Dental Yes

Vision Yes

Hearing Yes

Nationwide Coverage No

Other benefits

Fitness benefit Limited coverage

Over-the-counter drug benefits Not covered

In-home support services Not covered

Home & bathroom safety devices Not covered

Meals for short duration Limited coverage

Annual physical exams Limited coverage

Telehealth Limited coverage

Medical Benefits

Doctor Services

Primary doctor visit In-network: $0 copay
Out-of-network: $0 copay

Specialist visit In-network: $0 copay
Out-of-network: $0 copay

Tests, labs & imaging

Diagnostic tests & procedures In-network: $0 copay
Out-of-network: $0 copay

Lab services In-network: $0 copay
Out-of-network: $0 copay

Diagnostic radiology services (like MRI) In-network: $0-$100 copay
Out-of-network: $0-$100 copay

Outpatient x-rays In-network: $0 copay
Out-of-network: $0 copay

Emergency care $130 copay

Urgent care $0 copay

Hospital Services

Inpatient hospital coverage Tier 1
$150 per day for days 1-6
$0 per day for days 7-90
$0 per stay

Outpatient hospital coverage In-network: $0-$295 copay
Out-of-network: $0-$295 copay

Skilled nursing facility

Skilled nursing facility Tier 1
$0 per day for days 1-20
$217 per day for days 21-100

Preventive services

Preventive services In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance In-network: $0-$275 copay
Out-of-network: $0-$275 copay

Therapy services

Occupational therapy visit In-network: $0 copay
Out-of-network: $0 copay

Physical therapy & speech & language therapy visit In-network: $0 copay
Out-of-network: $0 copay

Mental health services

Outpatient group therapy with a psychiatrist In-network: $0 copay
Out-of-network: $0 copay

Outpatient individual therapy with a psychiatrist In-network: $0 copay
Out-of-network: $0 copay

Outpatient group therapy visit In-network: $0 copay
Out-of-network: $0 copay

Outpatient individual therapy visit In-network: $0 copay
Out-of-network: $0 copay

Opioid treatment services

Opioid treatment services Covered

Other services

Durable medical equipment (like wheelchairs & oxygen) In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Prosthetics (like braces, artificial limbs) In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Diabetes supplies In-network: $0 copay
Out-of-network: $0 copay

Medicare star rating

Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, Central Health Valor Care Plan (HMO) earned an overall rating of 3.0 stars — worse than California's state average of 3.8 stars.

Rating category This plan State average

Overall star rating ★ 3.0 3.8

Health plan quality

Summary rating of health plan quality ★ 3.0 3.7

Staying healthy: screenings, tests & vaccines ★ 3.0 3.8

Managing chronic (long-term) conditions ★ 3.0 3.6

Member experience with health plan – 2.9

Member complaints & changes in performance ★ 4.0 4.1

Health plan customer service ★ 4.0 4.0

Extra Benefits

Hearing

Hearing exam In-network: $0 copay
Out-of-network: $0 copay

Fitting/evaluation In-network: $0 copay
Out-of-network: $0 copay

Hearing aids - prescription In-network: $575-$2099 copay
Out-of-network: $575-$2099 copay

Hearing aids - over the counter Not covered

Preventive dental

Oral exam In-network: $0 copay
Out-of-network: $0 copay

Cleaning In-network: $0 copay
Out-of-network: $0 copay

Fluoride treatment In-network: $0 copay
Out-of-network: $0 copay

Dental x-rays In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services In-network: $25-$400 copay
Out-of-network: $25-$400 copay

Endodontics In-network: $25-$720 copay
Out-of-network: $25-$720 copay

Periodontics In-network: $0-$780 copay
Out-of-network: $0-$780 copay

Prosthodontics, removable In-network: $0-$600 copay
Out-of-network: $0-$600 copay

Prosthodontics, fixed In-network: $0-$840 copay
Out-of-network: $0-$840 copay

Maxillofacial prosthetics Not covered

Implant services In-network: $45-$2160 copay
Out-of-network: $45-$2160 copay

Oral and maxillofacial surgery In-network: $0-$380 copay
Out-of-network: $0-$380 copay

Orthodontics Not covered

Adjunctive general services In-network: $0-$300 copay
Out-of-network: $0-$300 copay

Vision

Routine eye exam In-network: $0 copay
Out-of-network: $0 copay

Contact lenses In-network: $0 copay
Out-of-network: $0 copay

Eyeglasses (frames & lenses) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass frames (only) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass lenses (only) In-network: $0 copay
Out-of-network: $0 copay

Upgrades In-network: $0 copay
Out-of-network: $0 copay

Plan documents & tools

Plan details (carrier site)Provider directory Drug list (formulary)

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