The Sharp Experience is your Medicare advantage

You may see Sharp HealthCare doctors. But the only way to ensure you have the full Sharp Experience from coverage to care is with a Sharp Direct Advantage plan, only from Sharp Health Plan. The Sharp Experience isn’t one thing we do. It’s everything we do. As a Sharp Health Plan member, you’ll enjoy an extra level of personalized care and service.

One of the Best Medicare Advantage Plans in California

Sharp Health Plan was included in the 2025 U.S. News and World Report list of Best Insurance Companies for Medicare Advantage in California along with 5 other insurers in California.

Best Insurance Companies - Medicare Advantage - California (US News & World Report 2025)
  
  • Affordable

    $0 and low-cost monthly premium plan options
  • Direct

    Delivering The Sharp Experience, from health insurance to health care
  • Local

    Medicare by San Diegans, for San Diegans
  • Simple

    Easy to enroll with personalized support
  

Get the Medicare benefits you deserve

You've earned your Medicare benefits, now it's time to enjoy them. Sharp Health Plan members have access to extensive prescription drug benefits, comprehensive dental plans, generous over-the-counter quarterly allowance, emergency care coverage worldwide and so much more.

Individuals

Plans for Medicare-eligible individuals residing in San Diego County

Benefits for 2025

ID card

$0 monthly premium1

Prescriptions icon

Up to $170 each quarter for eligible over-the-counter health products, loaded on your Sharp Health Plan Advantage Card3

Doctor icon

$0 copay for primary care physician and specialist vists4

Health coaching icon

Free wellness program, including personal health coaching

Travel icon

Emergency Travel Services

Dental icon

$0 comprehensive dental HMO premium or a comprehensive dental PPO plan option for a $40 monthly premium2

Chiropractic icon

Expanded chiropractic coverage

Vision icon

Vision care and hearing coverage

Gym icon

Free fitness resources through Silver&Fit®

Chiropractic acupuncture icon

Up to 30 acupuncture visits per plan year at $10 per visit5

1 Applies to both Sharp Direct Advantage Gold Card Plan and Sharp Direct Advantage VIP Plan. $51 monthly premium for Platinum Card Plans.
2 Dental included with Platinum Card and VIP Plan; PPO buy up optional for all plans.
3 $150 for Gold Card and VIP Plans and $170 for Platinum Card Plan each quarter.
4 VIP Plan only.
5 Combined with chiropractic visits.

Former Sharp employees

Our exclusive plans provide coverage for you and your dependents.

Benefits for 2025

ID card

$0 monthly premium for Sharp Direct Advantage Basic, or $71 monthly premium for Sharp Direct Advantage Premium

Doctor icon

$5 copay for primary care physician visits

Health coaching icon

Free wellness program including personal health coaching

Travel icon

Emergency Travel Services

Dental icon

Comprehensive DHMO dental coverage option plus a PPO dental plan option for a $40 monthly premium1

Vision icon

Vision care and hearing coverage

Gym icon

Free fitness resources through Silver&Fit®

Chiropractic icon

Expanded chiropractic coverage

1 Dental benefit is optional for Sharp Direct Advantage Basic and Premium members. $13 monthly premium for DHMO dental coverage.

City of San Diego (SDPEBA)

Our exclusive plan for City of San Diego retirees and their dependents.

Benefits for 2025

ID card

$0 Select Care medications

Doctor icon

$10 copay for primary care physician visits

Health coaching icon

Free wellness program including personal health coaching

Travel icon

Emergency Travel Services

Prescriptions icon

$100 allowance each quarter for eligible over-the-counter health products now loaded on the Sharp Health Plan Advantage Card

Hospital icon

$0 per day for inpatient hospital care

Vision icon

Vision care and hearing coverage

Gym icon

No cost fitness resources through Silver&Fit®

Ambulance icon

$0 ambulance

* You must continue to pay your Medicare Part B premium.

Sharp Direct Advantage is offered by Sharp Health Plan. Sharp Health Plan is an HMO with a Medicare contract. Enrollment with Sharp Health Plan depends on contract renewal. Read the full disclaimer.

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Page Last Updated: 10/03/2024
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