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SCAN Embrace Together (HMO-POS I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for SCAN Embrace Together (HMO-POS I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on SCAN Embrace Together (HMO-POS I-SNP) in 2026, please refer to our full plan details page.
SCAN Embrace Together (HMO-POS I-SNP) is a HMO-POS I-SNP plan offered by SCAN Group available for enrollment in 2026 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 Together (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.
Important:
SCAN Embrace Together (HMO-POS I-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about SCAN Embrace Together (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.
For SCAN Embrace Together (HMO-POS I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $1.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $9250.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $9250.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The SCAN Embrace Together (HMO-POS I-SNP) plan offers an Enhanced Alternative drug benefit with a $615.00 prescription drug deductible. After meeting this deductible, you will pay no copay for Tier 1 preferred generic drugs at both retail and mail-order pharmacies. For other covered medications, you will pay a coinsurance of 24% to 25% for Tier 2 standard generics, 30% for Tier 3 preferred brands, and 25% for Tier 4 non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Additionally, beneficiaries who qualify for the low-income subsidy may receive a premium reduction and pay $1.00 for Part D.
Additional Benefits
The SCAN Embrace Together (HMO-POS I-SNP) plan offers comprehensive medical coverage with predictable cost-sharing, generally requiring no copay and a 20% coinsurance for outpatient services, emergency care, and dialysis. Primary and specialist care visits also feature no copay, with coinsurance ranging from 0% to 20%. Inpatient hospital stays and skilled nursing facility care are covered using Original Medicare-defined cost-sharing. This plan includes valuable supplemental benefits, such as dental coverage up to a $2,500 annual limit and vision services up to $300 annually, both with no copay and a 20% coinsurance. Additionally, members receive no copay for routine hearing exams, up to $3,200 for select prescription hearing aids every two years, and a $330 quarterly allowance for over-the-counter items. Transportation is also covered for up to 54 one-way trips per year to plan-approved locations.
Inpatient Hospital See details
SCAN Embrace Together (HMO-POS I-SNP) partially covers inpatient acute and psychiatric hospital stays, with copays and coinsurance based on Original Medicare-defined cost-sharing. Prior authorization is required, and additional days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
SCAN Embrace Together (HMO-POS I-SNP) covers outpatient services, including outpatient hospital, ambulatory surgical center, substance abuse, and blood services, with a 20% coinsurance and no copay. Prior authorization or doctor referrals are required for some of these services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the SCAN Embrace Together (HMO-POS I-SNP) plan with no copayment and a 20% coinsurance.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by SCAN Embrace Together (HMO-POS I-SNP), with ground and air ambulance services requiring a 20% coinsurance and no copay. While transportation to plan-approved health-related locations is covered for up to 54 one-way trips per year, transportation to any health-related location is not covered.
Emergency Services See details
SCAN Embrace Together (HMO-POS I-SNP) covers emergency, urgently needed, and worldwide emergency services with a 20% coinsurance and no copay. These covered benefits, which include worldwide emergency transportation, are subject to cost-sharing that counts toward the plan-level deductible.
Primary Care See details
SCAN Embrace Together (HMO-POS I-SNP) covers primary care, specialist, therapy, podiatry, and psychiatric services with no copay and coinsurance ranging from no coinsurance to 20%. Mental health specialty services and routine chiropractic care are not covered under this plan.
Preventive Services See details
SCAN Embrace Together (HMO-POS I-SNP) covers preventive services, offering Medicare-covered zero-dollar preventive services and annual physical exams with no copay or coinsurance. Kidney disease education services are covered with a 20% coinsurance and no copay. Additional preventive services are partially covered, excluding sub-services like fitness benefits, in-home support, nutritional/dietary benefits, and caregiver support.
Hearing Services See details
SCAN Embrace Together (HMO-POS I-SNP) partially covers hearing services, offering routine exams and hearing aid fittings with no copay and up to 20% coinsurance. While select prescription hearing aids are covered up to a $3,200 maximum every two years, OTC hearing aids and inner ear, outer ear, or over the ear prescription hearing aids are not covered.
Vision Services See details
SCAN Embrace Together (HMO-POS I-SNP) covers one routine eye exam and eyewear—including contact lenses, eyeglasses, lenses, and frames—every year with a 20% coinsurance, no copay, and no deductible, up to a $300 annual combined limit. These vision services are partially covered, as eyewear upgrades are not covered by the plan.
Dental Services See details
Dental services are partially covered by SCAN Embrace Together (HMO-POS I-SNP), as orthodontics is not covered. Medicare-covered dental services require a 20% coinsurance and no copay, while other covered benefits include preventive care and various comprehensive treatments up to a $2,500 annual limit.
Home Infusion bundled Services See details
SCAN Embrace Together (HMO-POS I-SNP) covers Home Infusion bundled Services, which require prior authorization and step therapy. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by SCAN Embrace Together (HMO-POS I-SNP) with 20% coinsurance and no copay.
Medical Equipment See details
Medical Equipment is partially covered by SCAN Embrace Together (HMO-POS I-SNP), with members paying no copays and coinsurance ranging from no coinsurance to 20% for covered equipment and supplies. While durable medical equipment, prosthetics, and diabetic therapeutic shoes are covered, diabetic supplies are not covered.
Diagnostic and Radiological Services See details
SCAN Embrace Together (HMO-POS I-SNP) partially covers diagnostic and radiological services, with lab services excluded from coverage. Covered services, including diagnostic procedures, radiological therapies, and outpatient X-rays, require no copay and a 20% coinsurance, as well as prior authorization and a doctor referral.
Home Health Services See details
Home health services are covered under the SCAN Embrace Together (HMO-POS I-SNP) plan, requiring a doctor referral and prior authorization. While these services are covered, specific copay and coinsurance cost-sharing details are not specified in the plan terms.
Cardiac Rehabilitation Services See details
SCAN Embrace Together (HMO-POS I-SNP) provides Cardiac Rehabilitation Services where some services are covered, though Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD Services are not covered. Covered services require a doctor referral and prior authorization, with copay and coinsurance costs varying depending on the specific service.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by SCAN Embrace Together (HMO-POS I-SNP), requiring prior authorization and charging Medicare-defined copay and coinsurance rates. While standard Medicare-covered SNF stays do not require a prior three-day inpatient hospital stay, additional days beyond Medicare-covered SNF services are not covered.
Other Services See details
Other Services are partially covered by SCAN Embrace Together (HMO-POS I-SNP), which offers a $330 maximum benefit every three months for Over-the-Counter (OTC) items with unused balances carrying forward. Acupuncture, meal benefits, and dual eligible highly integrated services are not covered under this benefit.
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