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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 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 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 $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $1.60. 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 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 features an Enhanced Alternative drug benefit with a $615 annual prescription drug deductible. Once this deductible is met, you will enjoy no copay for Tier 1 preferred generic drugs at both retail and mail-order pharmacies. For other drug tiers during the initial coverage phase, you will pay a coinsurance between 24% and 30% until your total drug costs reach $2,100. After your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase where you pay nothing for covered Medicare Part D drugs. Furthermore, individuals who qualify for the Low-Income Subsidy, also known as Extra Help, can see their drug costs reduced to $0.
Additional Benefits
The SCAN Embrace Together (HMO-POS I-SNP) plan offers robust healthcare coverage where many essential services require no copay and a standard 20% coinsurance. This cost structure applies to outpatient hospital care, emergency services, primary and specialist visits, dialysis, and diagnostic testing. Additionally, members can access Medicare-covered preventive services and annual physicals with no copay or coinsurance. The plan also features valuable supplemental benefits, including up to a $3,000 annual limit for dental care and a $3,200 prescription hearing aid allowance every two years. Vision benefits cover routine exams and eyewear with no copay and a 20% coinsurance up to a $375 annual limit. Furthermore, members receive a $270 over-the-counter allowance every three months with no copay or coinsurance, as well as up to 30 one-way trips per year to plan-approved medical locations.
Inpatient Hospital See details
SCAN Embrace Together (HMO-POS I-SNP) partially covers inpatient hospital acute and psychiatric services, requiring prior authorization and utilizing Medicare-defined copays and coinsurance. Upgrades, additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
SCAN Embrace Together (HMO-POS I-SNP) outpatient services are covered with no copay and a 20% coinsurance. Covered benefits include outpatient hospital care, observation services, ambulatory surgical center visits, outpatient substance abuse treatment, and outpatient blood services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by SCAN Embrace Together (HMO-POS I-SNP) with no copay and a 20% coinsurance.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under SCAN Embrace Together (HMO-POS I-SNP), with ground and air ambulance services requiring a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 30 one-way trips per year to plan-approved health-related locations, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency, urgently needed, and worldwide emergency services are covered by SCAN Embrace Together (HMO-POS I-SNP) with a 20% coinsurance and no copay. These services count toward the plan-level deductible, with maximum per-visit limits of $115 for emergency services and $40 for urgent care.
Primary Care See details
SCAN Embrace Together (HMO-POS I-SNP) covers primary care, specialist, and therapy services with no copays and coinsurance ranging from no coinsurance to 20%. 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 excluded. Routine podiatry is also covered for up to six visits per year with a 20% coinsurance.
Preventive Services See details
Preventive services are covered by the SCAN Embrace Together (HMO-POS I-SNP) plan with no copay or coinsurance for annual physicals and Medicare-covered preventive services, though kidney disease education requires a 20% coinsurance and no copay. The benefit is partially covered, as specific sub-services—including fitness benefits, counseling, therapeutic massage, alternative therapies, weight management, and in-home support—are not covered.
Hearing Services See details
Hearing services are partially covered by SCAN Embrace Together (HMO-POS I-SNP), which offers covered hearing exams and fitting evaluations with no copay and up to 20% coinsurance. While prescription hearing aids are covered up to a $3,200 maximum limit every two years, OTC hearing aids as well as inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
SCAN Embrace Together (HMO-POS I-SNP) covers annual routine eye exams and eyewear, including contact lenses and eyeglasses, with no copay and a 20% coinsurance up to a $375 annual combined maximum. This benefit is partially covered, as eyewear upgrades are not covered.
Dental Services See details
Dental services are partially covered by SCAN Embrace Together (HMO-POS I-SNP), which includes preventive care and comprehensive services up to a $3,000 annual limit, though specific orthodontic treatments are not covered. Medicare-covered dental services require a 20% coinsurance and no copay, while prior authorization is required for many of the comprehensive services.
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 drugs require no copay and no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the SCAN Embrace Together (HMO-POS I-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Medical equipment is partially covered by SCAN Embrace Together (HMO-POS I-SNP) because diabetic supplies are not covered. Covered durable medical equipment (DME) requires no copay and 0% to 20% coinsurance, while prosthetic devices, medical supplies, and diabetic shoes/inserts require no copay and 20% coinsurance.
Diagnostic and Radiological Services See details
SCAN Embrace Together (HMO-POS I-SNP) partially covers diagnostic and radiological services, requiring a 20% coinsurance and no copay for covered services, along with prior authorization and a doctor referral. Covered benefits include diagnostic procedures, diagnostic radiological, and therapeutic radiological services, while lab services and outpatient X-ray services are not covered.
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, though specific copay and coinsurance details are not specified.
Cardiac Rehabilitation Services See details
SCAN Embrace Together (HMO-POS I-SNP) notes that some services are covered for cardiac rehabilitation, though no specific copay or coinsurance amounts are provided. However, Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered, and any potentially covered services require a doctor referral and prior authorization.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by SCAN Embrace Together (HMO-POS I-SNP), as additional days beyond Medicare-covered SNF services are not covered. This benefit requires prior authorization and charges the Medicare-defined copay with no coinsurance, with no prior three-day inpatient hospital stay required.
Other Services See details
SCAN Embrace Together (HMO-POS I-SNP) partially covers Other Services, offering a $270 allowance every three months for over-the-counter (OTC) items with no copay or coinsurance. Acupuncture, meal benefits, and highly integrated services for dual eligible SNPs are not covered under this plan.
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