SCAN Embrace (HMO-POS I-SNP)

SCAN Embrace (HMO-POS I-SNP) is a HMO-POS I-SNP plan offered by SCAN Group available for enrollment in 2025 to people living in Maricopa and Pima Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.

It's important to know that SCAN Embrace (HMO-POS I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about SCAN Embrace (HMO-POS I-SNP).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The SCAN Embrace (HMO-POS I-SNP) Medicare plan offers an Enhanced Alternative drug benefit with no prescription drug deductible. During the initial coverage phase, you will pay no copay for Tier 1 preferred generic drugs at any pharmacy or mail-order service. For Tier 2 standard generic drugs, the cost is a $42 copay at preferred pharmacies and mail order, or a $43 copay at standard locations. Tier 3 preferred brand drugs require a 35% coinsurance, and Tier 4 non-preferred drugs carry a 33% coinsurance. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D prescription drugs. Additionally, qualifying for the low-income subsidy can reduce your Part D premium to zero dollars.

Additional Benefits

The SCAN Embrace (HMO-POS I-SNP) plan offers robust medical coverage with predictable out-of-pocket costs, featuring no coinsurance for outpatient and inpatient hospital stays. Inpatient stays require a $150 daily copay for the first five days and no copay thereafter, while emergency services carry a $120 copay and urgently needed care has no copay. Additionally, the plan covers up to 56 one-way trips annually to plan-approved locations with no copay or coinsurance. Members also benefit from valuable supplemental coverage, including routine dental exams with no maximum limit, a $350 annual eyewear allowance, and up to $3,200 every two years for prescription hearing aids with no deductibles. For daily health needs, the plan provides a $170 quarterly over-the-counter allowance and covers durable medical equipment with no copay and coinsurance up to 20 percent. Some services, such as cardiac rehabilitation and diabetic supplies, are not covered under this plan.