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Central Health Embrace Choice Plan (HMO C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Central Health Embrace Choice Plan (HMO C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Central Health Embrace Choice Plan (HMO C-SNP) in 2026, please refer to our full plan details page.
Central Health Embrace Choice Plan (HMO C-SNP) is a HMO C-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 Embrace Choice 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.
Important:
Central Health Embrace Choice Plan (HMO C-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 Central Health Embrace Choice 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.
For Central Health Embrace Choice Plan (HMO C-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.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $7900.00 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:
Sign up for Central Health Embrace Choice Plan (HMO C-SNP)
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Drug Coverage
The Central Health Embrace Choice Plan (HMO C-SNP) offers an enhanced alternative drug benefit with an annual prescription drug deductible of $615.00. Under this plan, you will pay a 15% coinsurance for both Tier 1 preferred generic and Tier 2 standard generic drugs at standard pharmacies or through standard mail. For other tiers, the plan requires a 30% coinsurance for Tier 3 preferred brand drugs, a 25% coinsurance for Tier 4 non-preferred drugs, and no copay for Tier 5 specialty drugs. Once your annual out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Medicare Part D drugs. Furthermore, beneficiaries who qualify for the low-income subsidy can reduce their Part D premium and costs to $0.00.
Additional Benefits
The Central Health Embrace Choice Plan (HMO C-SNP) offers robust coverage for essential medical services, often with no copay or coinsurance. Members pay no copay and no coinsurance for primary care visits, home health care, and routine diagnostic lab and X-ray services. Specialist visits require a copay of up to $45 and up to 30% coinsurance, while inpatient hospital stays and skilled nursing facility care are subject to Medicare-defined deductibles and cost-sharing. This plan also features valuable supplemental benefits, including comprehensive dental coverage up to $4,000 annually and eyewear up to $300 per year with no copay or coinsurance. Routine hearing exams, over-the-counter hearing aids, and up to 24 one-way transportation trips per year are also provided with no copay or coinsurance. Additionally, members can access acupuncture, over-the-counter items, and meal benefits at no extra cost.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by the Central Health Embrace Choice Plan (HMO C-SNP), requiring prior authorization and a doctor referral. Medicare-defined deductibles, copays, and coinsurance apply to acute and psychiatric stays, though there is no coinsurance for unlimited additional acute days. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers outpatient services with no copay and no coinsurance for ambulatory surgical center and blood services. Outpatient hospital and observation services require no copay and 0% to 20% coinsurance, while outpatient substance abuse services have no copay and 20% coinsurance.
Partial Hospitalization See details
Central Health Embrace Choice Plan (HMO C-SNP) covers partial hospitalization services with a copay of $105.00 or $110.00 and no coinsurance. Prior authorization and a doctor referral are required to access these benefits.
Ambulance and Transportation Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by the Central Health Embrace Choice Plan (HMO C-SNP) with a $110 copay and no coinsurance, which is waived if you are admitted to the hospital within three days. Urgently needed services have no copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $50,000 maximum with a $110 copay and no coinsurance.
Primary Care See details
Central Health Embrace Choice Plan (HMO C-SNP) covers primary care, therapy, podiatry, chiropractic, and opioid treatment with no copays and no coinsurance. Specialist visits and telehealth require up to 30% coinsurance and up to a $45 copay, while mental health and psychiatric sessions have a $45 copay and no coinsurance.
Preventive Services See details
Preventive services are partially covered by the Central Health Embrace Choice Plan (HMO C-SNP) with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and health education. However, several sub-services are not covered, including in-home safety assessments, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, and therapeutic massage. Other excluded services include adult day health, nutritional benefits, palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, bathroom safety modifications, and counseling.
Hearing Services See details
Hearing Services are covered by the Central Health Embrace Choice Plan (HMO C-SNP), featuring routine exams, fitting evaluations, and OTC hearing aids with no copay or coinsurance. Prescription hearing aids are partially covered with a copay ranging from $49 to $1,549 and no coinsurance, though inner ear, outer ear, and over-the-ear models are not covered.
Vision Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers annual routine eye exams and eyewear with no copay and no coinsurance, though prior authorization and a doctor referral are required. Covered eyewear, including contact lenses, eyeglasses, and upgrades, has a combined maximum plan benefit of $300 per year.
Dental Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers preventive and comprehensive dental services with no copay and no coinsurance up to a maximum benefit of $4,000 per year. Prior authorization is required for Medicare-covered dental services and most comprehensive procedures.
Home Infusion bundled Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers Home Infusion bundled Services, which require prior authorization and may be subject to step therapy. Covered chemotherapy, radiation, and other Part B 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
Central Health Embrace Choice Plan (HMO C-SNP) covers Dialysis Services with a 20% coinsurance and no copay. Prior authorization and a doctor referral are required to access this benefit.
Medical Equipment See details
Central Health Embrace Choice Plan (HMO C-SNP) covers medical equipment, including durable medical equipment, prosthetics, and medical supplies, with a 20% coinsurance and no copay. Diabetic supplies, shoes, and inserts are also covered with no copay and no coinsurance, though prior authorization is required for these services.
Diagnostic and Radiological Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers diagnostic and radiological services with no copays, though prior authorization and doctor referrals are required. Members pay no coinsurance for lab and outpatient X-ray services, and between 0% and 20% coinsurance for diagnostic procedures and radiological services.
Home Health Services See details
Home Health Services are covered by the Central Health Embrace Choice Plan (HMO C-SNP) with no copay and no coinsurance. Prior authorization and a doctor referral are required to access this benefit.
Cardiac Rehabilitation Services See details
Central Health Embrace Choice Plan (HMO C-SNP) indicates that some services are covered, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered in practice. As these services are not covered, there are no copays or coinsurance details applicable for these benefits.
Skilled Nursing Facility (SNF) See details
Central Health Embrace Choice Plan (HMO C-SNP) partially covers Skilled Nursing Facility (SNF) services, though additional days beyond Medicare-covered limits are not covered. Patients are subject to Medicare-defined cost sharing, including copays and coinsurance per stay, and prior authorization along with a doctor referral are required.
Other Services See details
Central Health Embrace Choice Plan (HMO C-SNP) partially covers other services, offering acupuncture, over-the-counter items, and meal benefits with no copay and no coinsurance, while Dual Eligible SNPs with Highly Integrated Services are not covered. Acupuncture is limited to 30 treatments per year and requires prior authorization and a doctor referral.
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