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SCAN Embrace Together (HMO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for SCAN Embrace Together (HMO 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 I-SNP) in 2026, please refer to our full plan details page.
SCAN Embrace Together (HMO I-SNP) is a HMO I-SNP plan offered by SCAN Group available for enrollment in 2026 to people living in Los Angeles and Orange Counties. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that SCAN Embrace Together (HMO 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 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 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 I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $1.00. You must continue to pay paying your reduced 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 Maximum Out-Of-Pocket cost of $9250.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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 I-SNP) Medicare plan features a $615.00 prescription drug deductible and provides an enhanced alternative drug benefit. After meeting this deductible, you will enjoy no copay for Tier 1 preferred generic drugs at both retail pharmacies and mail-order services. For other drug tiers, your costs will consist of coinsurance ranging from 24% to 30% during the initial coverage phase. Once your yearly out-of-pocket drug costs reach $2,100.00, you will enter the catastrophic coverage phase and pay nothing for covered Part D prescription drugs. Additionally, beneficiaries who qualify for the full Low-Income Subsidy will pay a $0.00 Part D premium.
Additional Benefits
The SCAN Embrace Together (HMO I-SNP) plan offers comprehensive medical coverage with predictable cost-sharing, featuring no copays for primary care visits, preventive services, and emergency care. Most outpatient services, including ambulatory surgery, outpatient hospital care, and dialysis, require a 20% coinsurance and no copay. Inpatient hospital stays and skilled nursing facility care are covered with cost-sharing that matches Medicare-defined amounts. For extra health services, the plan provides robust dental, vision, and hearing benefits, including a $3,000 annual maximum for routine dental care with no copay or coinsurance. Members also benefit from a $375 annual eyewear allowance, a $3,200 hearing aid allowance every two years, and a $270 quarterly over-the-counter allowance with no copay or coinsurance. Additionally, the plan covers up to 30 one-way transportation trips per year to approved locations and offers chemotherapy and other Part B drugs with no copay, except for a $35 copay on insulin.
Inpatient Hospital See details
SCAN Embrace Together (HMO I-SNP) partially covers inpatient acute and psychiatric hospital stays, with cost-sharing (including copays and coinsurance) matching Medicare-defined amounts. Prior authorization and referrals are required, and the plan does not cover additional days, non-Medicare-covered stays, or room upgrades.
Outpatient Services See details
Outpatient services are covered by SCAN Embrace Together (HMO I-SNP) with no copay and a 20% coinsurance for outpatient hospital, ambulatory surgical center, substance abuse, and blood services. Prior authorization and a doctor referral are required for these benefits, which also feature no deductible for outpatient blood services.
Partial Hospitalization See details
Partial hospitalization benefits are covered under the SCAN Embrace Together (HMO I-SNP) plan with a 20% coinsurance and no copay. These services require prior authorization, and certain services may also require a doctor referral.
Ambulance and Transportation Services See details
SCAN Embrace Together (HMO I-SNP) covers ambulance and transportation services, though transportation is only partially covered because transportation to any health-related location is not covered. Ground and air ambulance services require a 20% coinsurance and no copay, while covered transportation includes up to 30 one-way trips per year to plan-approved locations.
Emergency Services See details
SCAN Embrace Together (HMO I-SNP) covers emergency, urgent care, and worldwide emergency services with a 20% coinsurance and no copay, both of which count toward the plan-level deductible.
Primary Care See details
Primary Care benefits are offered by SCAN Embrace Together (HMO I-SNP) with no copays, featuring a 20% coinsurance for most services like specialist visits and physical therapy, and no coinsurance to 20% coinsurance for telehealth. Chiropractic services are partially covered as routine chiropractic care is not covered, and while some mental health specialty services are covered, individual and group sessions are not covered.
Preventive Services See details
Preventive services are covered by SCAN Embrace Together (HMO I-SNP), providing annual exams and Medicare-covered preventive care with no copays or coinsurance, and kidney disease education with a 20% coinsurance and no copay. However, additional preventive benefits are only partially covered, excluding sub-services such as fitness benefits, weight management, alternative therapies, in-home support, and personal emergency response systems.
Hearing Services See details
SCAN Embrace Together (HMO I-SNP) provides partially covered hearing services, featuring hearing exams with no copay and up to 20% coinsurance, alongside a $3,200 allowance every two years for prescription hearing aids. Under this plan, OTC hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by SCAN Embrace Together (HMO I-SNP), as eyewear upgrades are not covered. Covered benefits, which include one routine eye exam per year and eyewear up to a $375 annual limit, require a referral and prior authorization and feature no copay, no deductible, and a 20% coinsurance.
Dental Services See details
Dental services are partially covered by SCAN Embrace Together (HMO I-SNP), as orthodontics is not covered. Medicare-covered dental services require no copay and a 20% coinsurance, while other covered services like exams, cleanings, and restorative care require no copay and no coinsurance up to a $3,000 annual maximum.
Home Infusion bundled Services See details
SCAN Embrace Together (HMO I-SNP) covers Home Infusion bundled Services with prior authorization, featuring no copay for chemotherapy and other Part B drugs, and a $35 copay for insulin. Covered Part B drugs under this benefit require no coinsurance to 20% coinsurance.
Dialysis Services See details
SCAN Embrace Together (HMO I-SNP) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required for these services.
Medical Equipment See details
Medical Equipment is partially covered by SCAN Embrace Together (HMO I-SNP) because diabetic supplies are not covered. Covered services require no copay, with durable medical equipment carrying no coinsurance to 20% coinsurance, and prosthetics, medical supplies, and diabetic therapeutic shoes requiring 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are partially covered by SCAN Embrace Together (HMO I-SNP), with covered diagnostic procedures, diagnostic radiology, and therapeutic radiology requiring a 20% coinsurance and no copay. Outpatient X-ray services and lab services are not covered, and all covered services require a doctor referral and prior authorization.
Home Health Services See details
Home Health Services are covered under the SCAN Embrace Together (HMO I-SNP) plan, requiring both prior authorization and a doctor referral.
Cardiac Rehabilitation Services See details
SCAN Embrace Together (HMO I-SNP) indicates that some services are covered under its Cardiac Rehabilitation Services benefit, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered in practice. Since these services are not covered, there are no copay or coinsurance benefits available for them under this plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by SCAN Embrace Together (HMO I-SNP), requiring prior authorization and a doctor referral with Medicare-defined copay and coinsurance costs. While the plan allows SNF admission with less than a three-day hospital stay, additional days beyond Medicare-covered days are not covered.
Other Services See details
SCAN Embrace Together (HMO I-SNP) partially covers Other Services, offering a $270 over-the-counter (OTC) allowance every three months with no copay or coinsurance. Acupuncture, meal benefits, and highly integrated dual-eligible SNP services are not covered under this plan.
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