Molina Medicare Complete Care (HMO D-SNP)

Molina Medicare Complete Care (HMO D-SNP) is a HMO D-SNP plan offered by Molina Healthcare of California available for the 2026 plan year to people living in Imperial County. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Molina Medicare Complete Care (HMO D-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 Molina Medicare Complete Care (HMO D-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 Molina Medicare Complete Care (HMO D-SNP) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $615.00. For individuals who qualify for the Low-Income Subsidy (LIS), the Part D premium is reduced to $0.00. During the initial coverage phase, standard retail and standard mail-order drugs carry a 20% coinsurance for Tier 1 and Tier 2 generics, 30% coinsurance for Tier 3 preferred brands, 25% coinsurance for Tier 4 non-preferred drugs, and no copay for Tier 5 specialty drugs. Once your total yearly out-of-pocket drug costs reach $2,100.00, you will enter the catastrophic coverage phase. During this phase, you pay nothing for Medicare Part D covered drugs, though you may still pay a share for certain excluded drugs. This plan provides clear cost-sharing phases to help you manage your prescription medication expenses.

Additional Benefits

The Molina Medicare Complete Care (HMO D-SNP) plan offers comprehensive coverage where most outpatient services, diagnostic tests, and medical equipment require no copay and a 20% coinsurance. Inpatient hospital stays and skilled nursing facility care are subject to Original Medicare-defined cost-sharing and require prior authorization. Emergency services and partial hospitalization are also covered with no copay and a 30% coinsurance. Specialty benefits include dental care with a 20% coinsurance and up to a $3,600 annual limit for select treatments, alongside vision coverage featuring no copay, a 20% coinsurance, and a $350 yearly allowance. While most covered services and Part B drugs have no copay, covered Part B insulin drugs require a $35 copay. Additionally, the plan covers up to 12 one-way transportation trips per year and unlimited over-the-counter hearing aids.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.