Central Health Plan of California
Central Health Plan of California (dba Central Health Medicare Plan) is a Molina Healthcare-affiliated Medicare Advantage HMO founded in 2004, offering $0-premium plans with extensive supplemental benefits to Medicare beneficiaries in California's culturally diverse, multilingual communities.
- Company typePrivate
- Founded2004
- HeadquartersDiamond Bar, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Central Health Plan of California does
Central Health Plan of California, Inc. (doing business as Central Health Medicare Plan) is a for-profit, privately held Medicare Advantage (MA) HMO operating exclusively in California. Founded in 2004 by local physicians to serve culturally and linguistically diverse communities, the company offers a bundled MA product combining Medicare Part A (hospital), Part B (medical), and Part D (prescription drug) coverage under a single CMS Medicare contract. Its core differentiation is a $0-premium plan design layered with an extensive suite of supplemental benefit modules — dental, vision, hearing, unlimited acupuncture, fitness, over-the-counter and healthy-food allowances (via a Flex Card), transportation, Made Easy Meals delivery, a Rewards+ incentive program, 24-hour telehealth/nurse line, diabetic supplies, and Papa Pals in-home companion care. The plan targets Medicare beneficiaries, including seniors and members with chronic conditions or special health care needs, and supports members in English, Spanish, and Chinese.
The business model is government-funded recurring revenue: Central Health earns per-member-per-month (PMPM) capitation payments from CMS, supplemented by Part B rebates returned to members and supplemental benefit programs, with enrollment contingent on annual CMS contract renewal. Go-to-market is sales-led and consumer-facing, acquiring members through direct enrollment (website and phone), a licensed insurance broker network (via molinabroker.com), and provider referrals. Member services scale seasonally, operating seven days a week during the October–March Annual Enrollment window and weekdays the rest of the year.
Central Health operates as an affiliate/subsidiary of Molina Healthcare, Inc. (NYSE: MOH) and runs on Molina's operational and technology infrastructure rather than a proprietary stack. Provider-facing systems include the Availity Essentials provider portal, EDI claims submission (837P/837I, 270/271, 276/277) through The SSI Group clearinghouse (Payer ID 38333), ERA/EFT electronic payments via Change Healthcare/ECHO Health, and CMS-authorized Enhanced Direct Enrollment through Health Sherpa. Compliance is governed under Molina's framework (HIPAA, and Molina-level SOC 2 and federal EDE authorization). Headcount is reported at 11–50, consistent with a lean affiliate operating atop a parent's shared services.
Central Health Plan of California firmographics
Firmographics- Name
- Central Health Plan of California
- Legal name
- Central Health Plan of California, Inc.
- Website
- https://centralhealthplan.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Central Health Plan of California (dba Central Health Medicare Plan) is a Molina Healthcare-affiliated Medicare Advantage HMO founded in 2004, offering $0-premium plans with extensive supplemental benefits to Medicare beneficiaries in California's culturally diverse, multilingual communities.
- Ownership category
- akta.pro rank
Central Health Plan of California industry classification
Industry- Product category
- Medicare Advantage Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114)
- SIC
- Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)
- akta.pro primary industry
- MA-PD Plans (Medicare Advantage with Prescription Drug Coverage) (FSAIAGAG)
- akta.pro secondary industries
- Medicare Dental & Vision (MA Embedded & Supplemental) (FSAIAHAJ), MA Chronic Condition Management & Supplemental Benefits (SSBCI) (HLAEACAI)
Keywords
Where Central Health Plan of California is headquartered
LocationHeadquarters
- HQ city
- Diamond Bar
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Central Health Plan of California business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Medicare Advantage HMO Premiums: The company operates Medicare Advantage HMO plans with $0 premiums. Revenue is derived from Medicare per-member-per-month (PMPM) capitation payments from CMS, Part B rebates returned to members, and supplemental benefit programs. The company was founded in 2004 and continues to serve Medicare members in California.
- Government Healthcare Contracts: Central Health Medicare Plan is an HMO plan with a Medicare contract. Enrollment depends on contract renewal with CMS.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Medicare Advantage HMO Plans with $0 Premiums |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Central Health Plan of California product offering
Product offeringCore offering
Central Health Plan of California operates as a Medicare Advantage HMO plan under a Medicare contract, bundling Medicare Part A, Part B, and Part D coverage with supplemental benefits such as dental, vision, hearing, unlimited acupuncture, fitness, over-the-counter allowance, transportation, healthy foods, meal delivery, and 24-hour telehealth/nurse advice. The plan is offered at $0 monthly premium and is targeted at Medicare-eligible seniors and culturally diverse communities in California with multilingual support in English, Spanish, and Chinese.
Product overview
Central Health Plan of California operates as a Medicare Advantage HMO plan with a Medicare contract, offering an integrated portfolio of health insurance products and supplemental benefits. The core product is the Central Health Medicare Plan, which bundles Medicare Part A (hospital), Part B (medical), and Part D (prescription drug) coverage into a single HMO plan. Beyond standard Medicare benefits, the portfolio includes numerous supplemental benefit modules covering dental, vision, hearing, acupuncture, fitness, over-the-counter allowances, transportation, healthy foods, meal delivery (Made Easy Meals), and the Rewards+ incentive program. Additional services include 24-hour telehealth/nurse advice line, diabetic monitoring supplies, and Papa Pals companion care service providing in-home support for seniors. The plan targets culturally diverse communities in California, providing multilingual support in English, Spanish, and Chinese. Enrollment in Central Health Medicare Plan depends on contract renewal.
Differentiator
Problem solved
Functional benefit
Products and services
- Central Health Medicare Plan Medicare Advantage HMO plan with a Medicare contract bundling hospital (Part A), medical (Part B), and prescription drug (Part D) coverage with supplemental benefits (dental, vision, hearing, unlimited acupuncture, fitness, OTC allowance, transportation, healthy foods, meals, telehealth). Targeted at Medicare-eligible seniors and individuals with disabilities in California, with $0 monthly premium and multilingual support in English, Spanish, and Chinese.
- Unlimited Acupuncture Services Unlimited acupuncture services covered as a supplemental benefit within Central Health Medicare Plan, addressing the cultural healthcare preferences of diverse California members.
- Papa Pals In-Home Companion Care Companion care service providing qualifying members with 20 hours annually of in-home visits, companionship, light housekeeping, transportation, fitness activities, medication reminders, and chronic condition management support.
Companies that use Central Health Plan of California
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Central Health Plan of California technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Central Health Plan of California partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Molina HealthcarecoreCentral Health Plan of California is an affiliate of Molina Healthcare. Molina Healthcare provides operational infrastructure including provider portals, member services, claims processing, quality improvement programs, and clinical guidelines. The company operates under Molina's National Quality Improvement Committee and uses Molina's clinical policies and guidelines.
- Papa PalscorePapa Pals provides in-home support services to Central Health Medicare Plan members. Qualifying members receive 20 hours annually of services including home visits, companionship, light housekeeping, transportation, fitness activities, medication compliance support, and chronic condition management assistance.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
Central Health Plan of California competitors and assessment
Company assessmentBroad incumbents
- Molina Healthcare: Molina Healthcare is the publicly traded parent (NYSE: MOH) of Central Health Plan of California; it operates government-sponsored health plans including Medicare Advantage and Medicaid across multiple states, making it the parent and the most directly comparable broad incumbent.
- Anthem Blue Cross of California: Anthem Blue Cross offers Medicare Advantage HMO and PPO plans across California with broad provider networks; it is a major incumbent competitor for Central Health's target California senior population.
- Kaiser Permanente (California): Kaiser Permanente operates one of the largest integrated HMO systems in California with a strong Medicare Advantage presence; it competes with Central Health on integrated care delivery and supplemental benefits, especially in diverse Southern California markets.
- UnitedHealthcare Medicare Solutions: UnitedHealthcare is the largest national Medicare Advantage carrier (AARP-branded plans) and operates broadly across California; it competes with Central Health on supplemental benefits, network size, and brand recognition for senior enrollment.
- Humana Medicare Advantage: Humana is a top-3 national Medicare Advantage insurer with strong senior-focused benefits and provider partnerships; its California MA plans overlap Central Health's market on HMO products and supplemental-benefit positioning.
- Blue Shield of California: Blue Shield of California offers Medicare Advantage HMO and PPO plans across the state; it competes for California's senior market with established provider networks and brand recognition similar to Central Health's positioning.
- Health Net (Centene): Health Net, owned by Centene, offers Medicare Advantage plans in California with a strong Medi-Cal/Medicaid presence that overlaps culturally diverse communities; it competes with Central Health for California's diverse senior population.
- Aetna (CVS Health) Medicare: Aetna, a CVS Health company, offers Medicare Advantage HMO/PPO plans in California with broad retail-clinic integration; it competes with Central Health in California's MA market on benefits breadth and network scale.
Direct peers
- Alignment Healthcare: Alignment Healthcare is a California-focused Medicare Advantage HMO plan (NASDAQ: ALHC) that targets seniors with technology-enabled care and supplemental benefits; it directly competes with Central Health for the same California MA HMO membership.
- SCAN Health Plan: SCAN Health Plan is a California-headquartered, not-for-profit Medicare Advantage plan focused on seniors with chronic and complex care needs; it competes head-to-head with Central Health in California's senior MA market with similar cultural and supplemental-benefit positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Central Health Plan of California compliance and trust
Trust signalCompliance3 records
Central Health Plan of California financial estimates
Financial estimateRevenue estimate
Valuation estimate
Central Health Plan of California leadership team
Management profileNumber of profiles
Central Health Plan of California funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Central Health Plan of California M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Central Health Plan of California
What does Central Health Plan of California do?
Central Health Plan of California operates as a Medicare Advantage HMO plan under a Medicare contract, bundling Medicare Part A, Part B, and Part D coverage with supplemental benefits such as dental, vision, hearing, unlimited acupuncture, fitness, over-the-counter allowance, transportation, healthy foods, meal delivery, and 24-hour telehealth/nurse advice. The plan is offered at $0 monthly premium and is targeted at Medicare-eligible seniors and culturally diverse communities in California with multilingual support in English, Spanish, and Chinese.
Is Central Health Plan of California a public or private company?
Central Health Plan of California is a private company. It is classified as corporate owned and is currently operating.
When was Central Health Plan of California founded?
Central Health Plan of California was founded in 2004. It employs 11 to 50 people.
Where is Central Health Plan of California based?
Central Health Plan of California is headquartered in Diamond Bar, United States, in the North America region.
How does Central Health Plan of California make money?
Two revenue lines are on record. Medicare Advantage HMO Premiums are the primary driver. The others are government Healthcare Contracts.
Who are Central Health Plan of California's main competitors?
Broad incumbents on record are Molina Healthcare, Anthem Blue Cross of California, Kaiser Permanente (California), UnitedHealthcare Medicare Solutions, Humana Medicare Advantage, Blue Shield of California, Health Net (Centene) and Aetna (CVS Health) Medicare. Direct peers are Alignment Healthcare and SCAN Health Plan.
Does Central Health Plan of California have an API?
No public API is recorded for Central Health Plan of California.
What industry is Central Health Plan of California in?
Central Health Plan of California's product category is Medicare Advantage Health Insurance. Its primary akta.pro industry code is FSAIAGAG, MA-PD Plans (Medicare Advantage with Prescription Drug Coverage), with a secondary code of FSAIAHAJ, Medicare Dental & Vision (MA Embedded & Supplemental). Its NAICS code is 524114 and its SIC code is 6324.