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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 2026 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. Additionally, this plan comes with a Part B Premium reduction of $2.00. 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 Maximum Out-Of-Pocket cost of $9250.00 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) 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 brands, and 25% coinsurance for non-preferred drugs at standard pharmacies or via standard mail. There is no copay for specialty tier drugs during this initial phase. After your yearly 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. Additionally, members who qualify for the low-income subsidy, also known as Extra Help, will benefit from a $0 Part D premium.
Additional Benefits
The Central Health Embrace Choice Plan (HMO C-SNP) offers comprehensive coverage with many essential services available at no copay and no coinsurance, including primary care, physical therapy, and home health services. Outpatient hospital services and diagnostic procedures feature no copay and low coinsurance rates ranging from 0% to 20%. For emergency care, members pay a $115 copay, which is waived upon hospital admission, while urgently needed services require no copay and no coinsurance. This plan also provides excellent supplemental benefits, including preventive and comprehensive dental care with no copay or coinsurance up to a $1,600 annual limit. Members benefit from no copay or coinsurance for routine vision exams and eyewear up to a $300 yearly allowance, as well as no copay or coinsurance for hearing exams and over-the-counter hearing aids. Additionally, the plan covers acupuncture, meals, and select over-the-counter items with no copay and no coinsurance.
Inpatient Hospital See details
Central Health Embrace Choice Plan (HMO C-SNP) partially covers inpatient hospital services, requiring prior authorization and doctor referrals. Covered acute and psychiatric stays are subject to Medicare-defined cost sharing, including no coinsurance for unlimited additional acute days, while upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers outpatient services, offering ambulatory surgical center and blood services with no copay and no coinsurance. Outpatient hospital and observation services require no copay and a 0% to 20% coinsurance, while outpatient substance abuse services carry no copay and a 20% coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the Central Health Embrace Choice Plan (HMO C-SNP) with a copay ranging from $105.00 to $110.00 and no coinsurance. These services require a doctor referral and prior authorization.
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. Transportation services are partially covered with no copay and no coinsurance for up to 12 one-way trips per year to plan-approved locations, while transportation to any health-related location is not covered.
Emergency Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within three days. Urgently needed services are covered with no copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $50,000 maximum with a $110 copay.
Primary Care See details
Central Health Embrace Choice Plan (HMO C-SNP) covers primary care, physical therapy, chiropractic, and mental health services with no copay and no coinsurance. Specialist and other health professional services require no coinsurance to 30% coinsurance with no copay, while telehealth benefits range from no copay to a $30 copay and no coinsurance to 30% coinsurance.
Preventive Services See details
Preventive services are partially covered by Central Health Embrace Choice Plan (HMO C-SNP) with no copay and no coinsurance for covered services such as annual physical exams, fitness benefits, and health education. However, several services are not covered, including in-home safety assessments, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, tobacco cessation counseling, disease management, telemonitoring, home safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by the Central Health Embrace Choice Plan (HMO C-SNP), offering no copay or coinsurance for hearing exams, fitting evaluations, and OTC hearing aids. Prescription hearing aids (all types) require a copay between $49 and $1,549 with no coinsurance, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are covered by the Central Health Embrace Choice Plan (HMO C-SNP) with no copays, no coinsurance, and no deductibles for eye exams and eyewear. The plan provides one routine eye exam and a $300 maximum allowance for eyewear, including contacts, frames, and lenses, every year. Prior authorization and a doctor referral are required for these benefits.
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 an annual maximum benefit of $1,600. Covered services include oral exams, cleanings, x-rays, and advanced treatments like restorative and orthodontic procedures, though prior authorization is required for some services.
Home Infusion bundled Services See details
Central Health Embrace Choice Plan (HMO C-SNP) covers Home Infusion bundled Services, requiring prior authorization and offering Medicare Part B insulin drugs for a $35 copay and no coinsurance to 20% coinsurance. Covered chemotherapy, radiation, and other Part B drugs require no copay and carry a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered by the Central Health Embrace Choice Plan (HMO C-SNP) with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required for this benefit.
Medical Equipment See details
Medical equipment benefits are covered by the Central Health Embrace Choice Plan (HMO C-SNP), with durable medical equipment, prosthetics, and medical supplies requiring a 20% coinsurance and no copay. Diabetic supplies, therapeutic shoes, and inserts are available 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, requiring prior authorization and doctor referrals. Members pay no coinsurance for lab services and outpatient X-rays, while diagnostic procedures and radiological services incur a coinsurance of up to 20%.
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. These services require prior authorization and a doctor referral.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services under the Central Health Embrace Choice Plan (HMO C-SNP) require prior authorization and a doctor referral with no copay or coinsurance. While some services are covered, Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered.
Skilled Nursing Facility (SNF) See details
Central Health Embrace Choice Plan (HMO C-SNP) covers Skilled Nursing Facility (SNF) services, requiring a doctor referral and prior authorization, though additional days beyond Medicare-covered stays are not covered. Cost sharing is subject to Medicare-defined coinsurance with no copay, and no cost sharing is charged on the day of discharge.
Other Services See details
Central Health Embrace Choice Plan (HMO C-SNP) offers acupuncture and meal benefits with no copay and no coinsurance, while over-the-counter items are partially covered with no copay or coinsurance. Nicotine replacement therapy and Dual Eligible SNPs with highly integrated services are not covered under these benefits.
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