Imperial Health Plan is a regional carrier focused on affordable coverage for the diverse communities of Los Angeles and San Bernardino counties.
For 2026, Imperial Health Plan has earned a 3 out of 5 star CMS rating. Plans are available as HMO, D-SNP with monthly premiums from $0–$20 and annual out-of-pocket maximums between $4,500–$7,550.
To find out if Imperial Health Plan is the right plan for you, call All Seniors Foundation at (818) 581-4101 for a free comparison against every carrier in your county.
Imperial Health Plan at a Glance — 2026
| Detail | Imperial Health Plan |
|---|---|
| CMS Star Rating | 3 / 5 |
| Plan Types | HMO, D-SNP |
| Monthly Premium | $0–$20 |
| Annual OOP Max | $4,500–$7,550 |
| Part B Giveback | Not available |
| Dental | Preventive Only |
| Vision | Basic |
| Hearing | None |
| Counties | Los Angeles, San Bernardino |
Benefits Beyond Original Medicare
Imperial Health Plan plans include supplemental benefits that Original Medicare does not cover:
- Dental — Preventive Only coverage including preventive and restorative services
- Vision — Basic coverage with annual eye exams and eyewear
- Hearing — None coverage including hearing exams and hearing aids
- Prescription Drugs — Part D coverage with the Inflation Reduction Act $2,000 annual cap and $35/month insulin cap
- Transportation — Rides to medical appointments
- Telehealth — Virtual doctor visits from home
For a full comparison of supplemental benefits across carriers, see our dental, vision, and hearing benefits guide.
Find out if Imperial Health Plan covers your doctors and medications: (818) 581-4101 — free, no obligation, licensed in California.
Who Is Imperial Health Plan Best For?
Imperial Health Plan is a strong choice for seniors who value this carrier’s specific strengths. However, the best plan depends on your doctors, medications, and preferences. The best way to decide is to call for a free plan comparison.
If you need PPO flexibility or a Part B Giveback benefit, other carriers may be a better fit. If you have both Medicare and Medi-Cal, ask us about D-SNP and PACE program options.
Counties Served
Imperial Health Plan is available in: Los Angeles, San Bernardino.
See our county pages: Los Angeles, Orange County, San Diego, Sacramento, San Francisco, Alameda, Fresno.
How to Enroll
Enroll during your Initial Enrollment Period, the Annual Enrollment Period (Oct 15 – Dec 7), the Open Enrollment Period (Jan 1 – Mar 31), or a Special Enrollment Period. Call (818) 581-4101 and we handle everything.
Frequently Asked Questions
How much does Imperial Health Plan cost?
Premiums range from $0–$20. Many plans have $0 premiums. OOP max: $4,500–$7,550. You still pay Medicare Part B ($202.90/month in 2026).
Can I keep my doctor?
Depends on network participation. We can check your doctors across every plan — free.
Does Imperial Health Plan cover dental?
Dental: Preventive Only. Vision: Basic. Hearing: None. See our full benefits comparison.