The Sharp Experience from card to care

Truly personal service.

Experience Medicare as it should be by choosing a Sharp Direct Advantage Medicare plan from San Diego's own Sharp Health Plan. As a Sharp Health Plan member, you get excellent benefits, personalized service and exclusive access to Sharp HealthCare doctors, hospitals and The Sharp Experience, from card to care.

San Diego's Best Health Insurance

The Union-Tribune Readers Poll named Sharp Health Plan the Best Health Insurance in San Diego for the fifth year in a row.*

* Voted 'Best Health Insurance' in the San Diego's Best Union-Tribune Readers Poll, 2021-25.

Union Tribune's San Diego Best 2025
  
  • Affordable

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

    Delivering The Sharp Experience, from health coverage 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, a generous over-the-counter quarterly allowance, Global Travel Assistance and so much more.

Individuals

Plans for Medicare-eligible individuals residing in San Diego County

Benefits for 2026

ID card

$0 monthly premium1

Prescriptions icon

Up to $180 each quarter for eligible over-the-counter health products, loaded on your Sharp Health Plan &more card3, 4

Doctor icon

$0 copay for primary care physician and specialist vists5

Health coaching icon

Free wellness program, including personal health coaching

Travel icon

Global Travel Services

Dental icon

$0 comprehensive dental HMO premium or a comprehensive dental PPO plan option for a $55 monthly premium2

Chiropractic icon

Expanded chiropractic coverage

Vision icon

Vision care and hearing coverage

Gym icon

No cost fitness resources through the Silver&Fit® program

Chiropractic acupuncture icon

Up to 30 acupuncture visits per plan year at $10 per visit6

1 Applies to Sharp Direct Advantage VIP Plus, VIP, and Gold plans. $62 monthly premium for Platinum.
2 Dental HMO included with VIP Plus, VIP, and Platinum plans. The dental HMO plan is available for $13 monthly premium on the Gold plan. Dental PPO is available on all plans for an additional premium.
3 $140 VIP and Gold, $160 for VIP Plus, and $180 for Platinum for the OTC allowances.
4 &more Benefits Prepaid Mastercard® is issued by Avidia Bank, pursuant to a license from Mastercard Incorporated. Use of this card is subject to the terms and conditions of the Cardholder Agreement.
5 VIP and VIP Plus only.
6 Combined with chiropractic visits.

Former Sharp employees

Our exclusive plans provide coverage for you and your dependents.

Benefits for 2026

ID card

$0 monthly premium for Sharp Direct Advantage Basic, or $80 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

Global Travel Assistance

Dental icon

Comprehensive DHMO dental coverage option plus a PPO dental plan option for a $55 monthly premium1

Vision icon

Vision care and hearing coverage

Gym icon

No cost fitness resources through the Silver&Fit® program

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 2026

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

Global Travel Assistance

Prescriptions icon

$100 allowance each quarter for eligible over-the-counter health products now loaded on the Sharp Health Plan &more card1

Hospital icon

$0 per day for inpatient hospital care

Vision icon

Vision care and hearing coverage

Gym icon

No cost resources through the Silver&Fit® program

Ambulance icon

$0 ambulance

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

1 &more Benefits Prepaid Mastercard® is issued by Avidia Bank, pursuant to a license from Mastercard Incorporated. Use of this card is subject to the terms and conditions of the Cardholder Agreement.

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.

H5386_2026_Medicare Website

Page Last Updated: 10/01/2025
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