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Central Health Part B Savings Plan (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Central Health Part B Savings Plan (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Central Health Part B Savings Plan (HMO) in 2026, please refer to our full plan details page.
Central Health Part B Savings Plan (HMO) is a HMO plan offered by Molina Healthcare, Inc. available for enrollment in 2025 to people living in Counties: LA, Ora, Riv, SBD and SD. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Central Health Part B Savings Plan (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 Part B Savings Plan (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.
For Central Health Part B Savings Plan (HMO), 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 $120.00. 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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $2900.00 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 Part B Savings Plan (HMO)
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Drug Coverage
The Central Health Part B Savings Plan (HMO) features an Enhanced Alternative drug benefit with no prescription drug deductible. During the initial coverage phase, you will pay no copay for Tier 1 preferred generic and Tier 5 specialty tier drugs at standard pharmacies or through standard mail. For other tiers, you will pay a $35 copay for Tier 2 standard generics and a $75 copay for Tier 3 preferred brands. Tier 4 non-preferred drugs require a 33% coinsurance at standard pharmacies and standard mail. 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. Individuals who qualify for the low-income subsidy may also receive a Part D premium reduction down to $0.
Additional Benefits
The Central Health Part B Savings Plan (HMO) features comprehensive coverage for primary care and preventive services with no copays and no coinsurance. For inpatient hospital stays, members pay a $200 daily copay for the first five days and no copay for days six through 90. Outpatient services and emergency care are also highly accessible, with emergency visits requiring a $150 copay that is waived if you are admitted to the hospital. This plan offers routine vision, home health, and acupuncture benefits with no copays or coinsurance, alongside preventive dental care at no cost. Specialist visits require a copay ranging from $10 to $40, while medical equipment and dialysis services feature coinsurance up to 20% with no copays. Routine hearing exams and over-the-counter hearing aids are covered with no copay, though prescription hearing aids and advanced dental procedures will require copayments.
Inpatient Hospital See details
Inpatient Hospital stays are partially covered by the Central Health Part B Savings Plan (HMO) with a $200 daily copay for days 1 to 5, no copay for days 6 to 90, and no coinsurance for both acute and psychiatric care. However, additional days, non-Medicare-covered stays, and acute upgrades are not covered under this plan.
Outpatient Services See details
Outpatient services covered by the Central Health Part B Savings Plan (HMO) feature no coinsurance, with copays ranging from no copay for ambulatory surgical center and blood services up to $300 for outpatient hospital services. Patients will also pay a $200 copay per stay for observation services and a $35 copay for outpatient substance abuse sessions.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the Central Health Part B Savings Plan (HMO) with a $100 copay and no coinsurance. Utilizing this benefit requires a doctor referral and prior authorization.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Central Health Part B Savings Plan (HMO), as transportation services to both plan-approved and any health-related locations are not covered. Ground ambulance services require a copay ranging from no copay to $150, while air ambulance services require a 20% coinsurance.
Emergency Services See details
Central Health Part B Savings Plan (HMO) covers emergency services for a $150 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 $150 copay and no coinsurance.
Primary Care See details
Central Health Part B Savings Plan (HMO) partially covers primary care and professional services with no coinsurance, featuring no copay for primary care physician visits and copays ranging from $10 to $40 for specialists, therapies, and psychiatric services. Podiatry services are not covered.
Preventive Services See details
Preventive services are partially covered by the Central Health Part B Savings Plan (HMO) with no copay and no coinsurance for covered options like annual physical exams and fitness benefits. However, there is no coverage for in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, additional tobacco cessation counseling, telemonitoring, home and bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by the Central Health Part B Savings Plan (HMO) with no deductible. Routine exams and OTC hearing aids are available with no copay and no coinsurance, while prescription hearing aids require a copay of $575 to $2,099 and no coinsurance, excluding inner ear, outer ear, and over the ear models.
Vision Services See details
Central Health Part B Savings Plan (HMO) covers vision services, including one routine eye exam per year and eyewear, with no copay or coinsurance. Eyewear benefits have a combined maximum coverage of $300 per year, and all covered services require prior authorization and a doctor referral.
Dental Services See details
Central Health Part B Savings Plan (HMO) partially covers dental services with no coinsurance and copays ranging from no copay for preventive care up to $2,160 for advanced procedures. Maxillofacial prosthetics and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Central Health Part B Savings Plan (HMO) with prior authorization, featuring no copay and coinsurance ranging from no coinsurance to 20% for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by the Central Health Part B Savings Plan (HMO) with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required to access these benefits.
Medical Equipment See details
Central Health Part B Savings Plan (HMO) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic supplies, with prior authorization required. Durable medical equipment, prosthetics, and medical supplies are offered with no copay and 0% to 20% coinsurance, while diabetic supplies and therapeutic shoes or inserts are covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Central Health Part B Savings Plan (HMO) covers diagnostic and radiological services, requiring prior authorization and doctor referrals. Members pay no copay or coinsurance for lab and outpatient X-ray services, a $0 to $25 copay (and no coinsurance) for diagnostic tests, a $0 to $100 copay (and no coinsurance) for diagnostic radiology, and a 20% coinsurance (and no copay) for therapeutic radiology.
Home Health Services See details
Home health services are covered by the Central Health Part B Savings Plan (HMO) with no copay and no coinsurance, though a doctor referral and prior authorization are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Central Health Part B Savings Plan (HMO), as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Central Health Part B Savings Plan (HMO) partially covers Skilled Nursing Facility (SNF) services, requiring prior authorization, a doctor referral, and Medicare-defined coinsurance with no copay. Additional days beyond standard Medicare-covered days are not covered under this plan.
Other Services See details
Central Health Part B Savings Plan (HMO) partially covers other services, offering acupuncture and over-the-counter items with no copay and no coinsurance. Meal benefits, dual eligible SNPs with highly integrated services, and nicotine replacement therapy are not covered.
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