Central Health Embrace Choice Plan (HMO C-SNP)

Central Health Embrace Choice 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 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.

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.

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 Choice Plan (HMO C-SNP) features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $615.00. After meeting this deductible, you enter the initial coverage phase where standard pharmacies and standard mail orders require a 15% coinsurance for both preferred and standard generic drugs. During this phase, you will pay a 30% coinsurance for preferred brands, a 25% coinsurance for non-preferred drugs, and no copay for specialty tier drugs. Once your yearly drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Additionally, individuals who qualify for the low-income subsidy, or LIS, will have their Part D premium reduced to $0.

Additional Benefits

The Central Health Embrace Choice Plan (HMO C-SNP) offers robust coverage with no copay and no coinsurance for primary care visits, preventive services, home health care, and routine vision and dental care. Outpatient services, diagnostic lab tests, and X-rays also feature no copays, though some outpatient hospital and specialist services may require coinsurance up to 20% or copays up to $30. Emergency care is available with a $115 copay, which is waived upon hospital admission, while urgently needed care requires no copay or coinsurance. For specialized needs, the plan covers routine hearing exams and over-the-counter hearing aids with no copay or coinsurance, while prescription hearing aids require copays ranging from $49 to $1,549. Durable medical equipment, dialysis, and ambulance services are subject to a 20% coinsurance with no copays. Additionally, members benefit from up to 12 one-way transportation trips per year, select over-the-counter items, and acupuncture, all with no copays or coinsurance.

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.