Central Health Embrace Care Plan (HMO C-SNP)

Central Health Embrace Care Plan (HMO C-SNP) is a HMO C-SNP plan offered by Central Health Plan of California, Inc. available for the 2026 plan year 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 Embrace Care Plan (HMO C-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 Embrace Care Plan (HMO C-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 Embrace Care Plan (HMO C-SNP) features an enhanced alternative drug benefit with a yearly prescription drug deductible of $615.00. During the initial coverage phase, you will pay a 15% coinsurance for preferred and standard generic drugs, 30% coinsurance for preferred brand drugs, and 25% coinsurance for non-preferred drugs through standard pharmacy or standard mail services. Notably, there is no copay for specialty tier drugs under this plan. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for Medicare Part D covered drugs. Additionally, individuals who qualify for the full Low-Income Subsidy will pay $0.00 for their Part D coverage. To ensure your specific medications are covered, please review the plan's formulary.

Additional Benefits

The Central Health Embrace Care Plan (HMO C-SNP) offers robust coverage with no copay and no coinsurance for primary care, specialist visits, routine vision, and key preventive services. For emergency care, members pay a $150 copay with no coinsurance, while inpatient hospital stays feature no coinsurance and copays ranging from no copay up to $658. Outpatient hospital services require a copay ranging from no copay up to $150 with no coinsurance, while ambulatory surgical center services are covered with no copay. Supplemental benefits include dental care with no copay for preventive services and routine hearing exams with no copay or coinsurance. Members also benefit from home health services and up to 24 one-way transportation trips per year to plan-approved locations with no copay or coinsurance. Durable medical equipment and diabetic supplies are covered with no copay and coinsurance ranging from no coinsurance to 20%, ensuring affordable access to daily care needs.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.