Central Health Dual Access Plan (HMO D-SNP)

Central Health Dual Access Plan (HMO D-SNP) is a HMO D-SNP plan offered by Molina Healthcare, Inc. available for enrollment in 2025 to people living in Select counties in CA. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Central Health Dual Access Plan (HMO D-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 Central Health Dual Access Plan (HMO D-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 Central Health Dual Access Plan (HMO D-SNP) features an Enhanced Alternative drug benefit with a $550.00 annual prescription drug deductible. If you qualify for the Low-Income Subsidy (LIS), your Part D premium and LIS Full cost-sharing are reduced to $0.00. During the initial coverage phase, which lasts until total drug costs reach $2,100.00, you will pay a $2.00 copay for Tier 1 preferred generics and no copay for Tier 5 specialty drugs at standard pharmacies or through standard mail. For other tiers, standard pharmacy and mail-order costs include a 20% coinsurance for Tier 2 standard generics, 30% coinsurance for Tier 3 preferred brands, and 25% coinsurance for Tier 4 non-preferred drugs. 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 prescription drugs.

Additional Benefits

The Central Health Dual Access Plan (HMO D-SNP) offers comprehensive medical coverage featuring no copayments for inpatient hospital stays, outpatient blood services, and home health services. Many outpatient, ambulance, and dialysis services require a 20% coinsurance with no copay, while emergency care carries a $115 copay that is waived upon hospital admission. Diagnostic and radiological services are also available with no copays, though some procedures and medical equipment require a 20% coinsurance. Members benefit from robust supplemental coverage, including routine vision exams, eyewear with a $200 annual allowance, and routine hearing services with unlimited over-the-counter hearing aids, all with no copay and no coinsurance. Preventive care, Medicare dental services, acupuncture, and up to 24 yearly one-way transportation trips to plan-approved locations are also covered with no copay or coinsurance. However, the plan does not cover cardiac rehabilitation, podiatry, or specialized dental procedures like implants and orthodontics.