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Sharp Direct Advantage

Our exclusive Medicare plan for eligible CalPERS retirees.

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If you are ready to enroll in Medicare and Sharp Health Plan, visit calpers.ca.gov 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.

 2026 Plan Sharp Direct Advantage (HMO)
Plan overview 
Monthly plan premium$291.38
Deductible$0
Annual out-of-pocket maximum (medical)$1,500
Doctor visits 
Preventive care$0
Primary care physician visit$0
Specialist physician visit$0
Lab services / x-rays$0
Diagnostic radiology (e.g., MRIs)$0
Physical therapy$0
Outpatient rehabilitation$0
Hospital visits and emergencies 
Urgently needed services$0
Emergency room (waived if admitted to hospital)$50
Hospitalization$0/day
Outpatient surgery$0
Supplemental benefits 
Routine eye exam$10
Hearing aids$1,000 allowance every 36 months
Silver&Fit$0
Chiropractic care $15, limit 20 visits per year
Acupuncture
Over-the-counter (OTC) itemsUp to $100 per quarter
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
100-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
100-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

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

Current members of Sharp Direct Advantage

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

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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: Sept. 12, 2025

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.