Sharp Direct Advantage

Our exclusive Medicare plan for Medicare-eligible CalPERS retirees and their dependents.

If you are ready to enroll in Medicare and Sharp Health Plan, visit or myCalPERS, or call 1-888-CALPERS (1-888-225-7377).

As a CalPERS retiree who is eligible for Medicare, you get comprehensive medical services plus added benefits like vision, hearing and free health coaching.

If you have questions about Sharp Health Plan or our benefits, please call us toll-free at 1-833-346-4322 (TTY/TDD: 711). Our hours of operation are 7 am to 8 pm, seven days a week. (Calling after hours will direct you to our voicemail system, and we will return your call the next business day.)

To join, you must:

  • Be a CalPERS retiree (or that person’s Medicare-eligible spouse or dependent)
  • Be eligible for Medicare Part A and Part B
  • Be a resident of San Diego County

NOTE: CalPERS requires “combination enrollments” of the Basic plan and the Medicare plan to be aligned with the same carrier.

  2021 Sharp Direct Advantage (HMO)
Plan overview 
Monthly plan premium$244.39
Annual out-of-pocket maximum (medical)$1,500
Doctor visits 
Preventive care$0
Primary care physician visit$10
Specialist physician visit$10
Lab services / x-rays$0
Diagnostic radiology (e.g., MRIs)$0
Hospital visits and emergencies 
Urgently needed services$25
Emergency room (waived if admitted to hospital)$50
Outpatient surgery$0
Supplemental benefits 
Routine eye exam$10
Hearing aids$1,000 allowance every 36 months
Chiropractic care $10, limit 30 visits per year
Prescription drug coverage 
30-day retail prescription drugs 
   Preferred generic / generic$5 / $5
   Preferred brand / non-preferred$20 / $50
   Specialty / Select Care 
question mark iconIncludes select generic drugs.
$20 / $0
90-day mail prescription drugs 
   Preferred generic / generic$10 / $10
   Preferred brand / non-preferred$40 / $100
   Specialty / Select Care
question mark iconIncludes select generic drugs.
N/A / $0
90-day long-term at retail 
   Preferred generic / generic$15 / $15
   Preferred brand / non-preferred$60 / $150
   Specialty / Select Care 
question mark iconIncludes select generic drugs.
N/A / $0

Rated 4.5 out of 5 stars by Medicare

Sharp Health Plan was rated 4.5 out of 5 stars by Medicare.

Every year, Medicare evaluates plans based on a 5-star rating system.

U.S. News & World Report: Best Insurance Companies for Medicare Advantage in California

Best Insurance Company for Medicare Advantage

We were named in the 2021 U.S. News and World Report list of Best Insurance Companies for Medicare Advantage.

Current members of Sharp Direct Advantage

You can find forms, PDF guides and other resources under Manage Your Plan.

Find a doctor or pharmacy

You can also search for an urgent care facility, a hospital, and other health care providers. Be sure “Sharp Direct Advantage” is selected as your network. 

Download our directory

Easily search through our Provider and Pharmacy Directory. Download this PDF, and search for a name by pressing Ctrl-F on a Windows computer or Command-F on a Mac.


Page last updated: Aug. 24, 2021

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.