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 San Bernardino County. This plan received an overall rating of 4 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) plan offers an Enhanced Alternative drug benefit with no prescription drug deductible. During the initial coverage phase, you will benefit from no copay on Tier 1 preferred generic drugs at retail pharmacies and through mail order. For Tier 2 standard generic drugs, you will pay a copay of either $42 at preferred locations or $43 at standard pharmacies. Tier 3 preferred brand drugs require a 35% coinsurance, while Tier 4 non-preferred drugs carry a 33% coinsurance. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs. Additionally, individuals who qualify for the Extra Help low-income subsidy can have their Part D premium reduced to zero dollars.

Additional Benefits

The SCAN Embrace (HMO-POS I-SNP) plan provides robust medical coverage designed to keep out-of-pocket costs predictable for members. You will pay no copay and no coinsurance for preventive services and urgent care, and outpatient services are covered with no deductible. Emergency room visits carry a $90 copay, which is waived if you are admitted, while ambulance services require a $95 copay. Supplemental benefits are a key highlight of this plan, featuring dental services with no coinsurance and copays ranging from no copay up to $395. Vision and hearing services are covered with no deductibles, offering annual routine exams, a $350 eyewear allowance, and up to $3,200 for prescription hearing aids every two years. Additionally, members receive up to 32 one-way trips for medical transportation and a $200 over-the-counter allowance every three months to help cover health-related items.