SCAN Select (HMO)

SCAN Select (HMO) is a HMO plan offered by SCAN Group available for enrollment in 2026 to people living in San Diego County. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that SCAN Select (HMO) 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 Select (HMO).

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 Select (HMO) plan features an Enhanced Alternative drug benefit with a $250 prescription drug deductible. During the initial coverage phase, you will enjoy no copay for Tier 1 preferred generic drugs filled at preferred pharmacies or through preferred mail order. For Tier 2 standard generic drugs, copays are $42 at preferred locations and $47 at standard locations. Tier 3 preferred brand drugs require a 35% coinsurance, while Tier 4 non-preferred drugs require a 30% coinsurance across all pharmacy types. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for covered Part D drugs. Eligible individuals qualifying for the low-income subsidy can also reduce their Part D premium to $0.

Additional Benefits

The SCAN Select (HMO) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no coinsurance for inpatient hospital stays, outpatient services, and emergency care. Inpatient hospital stays require a $300 daily copay for the first five days and no copay for days six through 90, while emergency visits carry a $90 copay. Many routine services, including primary care, preventive care, and ambulatory surgical services, are available with no copay. For supplemental care, the plan provides dental, vision, and hearing benefits with no coinsurance, featuring a $200 annual eyewear allowance and dental copays ranging from no copay up to $395. Prescription hearing aids require a copay between $550 and $850, and members also receive a $75 quarterly over-the-counter allowance and up to 24 one-way transportation trips per year. While most covered services have no deductibles, select items like dialysis and medical equipment require up to a 20 percent coinsurance.