Central Health Classic Care Plan II (HMO)

Central Health Classic Care Plan II (HMO) is a HMO plan offered by Central Health Plan of California, Inc. available for the 2026 plan year to people living in Counties: Fre, Imp, Kgs, Mad, Tul, Ven. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Central Health Classic Care Plan II (HMO) 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 Classic Care Plan II (HMO).

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 Classic Care Plan II (HMO) features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $110.00. After meeting this deductible, you will pay no copay for Tier 1 preferred generics and Tier 5 specialty drugs at standard pharmacies and through standard mail. For other tiers, you will pay a coinsurance of 15% for Tier 2 standard generics, 35% for Tier 3 preferred brands, and 31% 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 drugs. Additionally, if you qualify for the low-income subsidy, your Part D premium is reduced to $0.00. This plan offers a clear pathway to managing your medication costs with significant savings on generic and specialty prescriptions.

Additional Benefits

The Central Health Classic Care Plan II (HMO) provides affordable medical coverage featuring no copay for primary care visits, physical therapy, and home health services. For inpatient hospital stays, members pay a $195 daily copay for days one through six, with no copay for days seven through 90 and no coinsurance. Emergency care is covered with a $150 copay, which is waived if you are admitted to the hospital, while urgent care visits require no copay. This plan also includes key ancillary benefits, such as routine vision exams and eyewear with no copay up to a $300 annual allowance, as well as hearing exams and over-the-counter hearing aids with no copay. Covered dental services require no coinsurance with copays starting at no copay, and acupuncture and over-the-counter items are also available with no copay. Additionally, members can access up to 12 one-way plan-approved transportation trips per year with no copay.

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.