SCAN Embrace (HMO I-SNP)

SCAN Embrace (HMO I-SNP) is a HMO I-SNP plan offered by SCAN Group available for enrollment in 2025 to people living in Los Angeles County. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that SCAN Embrace (HMO 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 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 I-SNP) Medicare plan offers an enhanced alternative drug benefit with no prescription drug deductible. During the initial coverage phase, members enjoy no copay for Tier 1 preferred generic drugs across all pharmacy and mail-order options. For Tier 2 standard generic drugs, you will pay a $42 copay at preferred pharmacies and mail services, or a $43 copay at standard pharmacies and mail services. For higher-tier medications, the plan requires a 35% coinsurance for Tier 3 preferred brand drugs and a 33% coinsurance for Tier 4 non-preferred drugs. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D prescriptions. Additionally, those who qualify for the low-income subsidy can benefit from no premium for their Part D coverage.

Additional Benefits

The SCAN Embrace (HMO I-SNP) plan offers comprehensive medical coverage featuring no copay or coinsurance for preventive services and urgent care. For emergency situations, members pay a $90 copay that is waived if admitted, while ambulance services require a $95 copay with no coinsurance. Additionally, the plan covers primary care, inpatient hospital stays, and up to 30 one-way transportation trips per year to plan-approved locations. For extra health needs, the plan provides a $200 over-the-counter allowance every three months with no copay or coinsurance, alongside a $350 annual eyewear limit and up to $3,200 every two years for prescription hearing aids. Dental care is also covered with no coinsurance and copays ranging from no copay up to $395 depending on the service. Finally, chemotherapy and radiation Part B drugs require no copay, while Medicare Part B insulin drugs are fixed at a $35 copay.