Champion Plus (HMO C-SNP)

Champion Plus (HMO C-SNP) is a HMO C-SNP plan offered by Champion Health Plans-USA, LLC. available for enrollment in 2026 to people living in Central & Southern California. The overall rating for this plan is not yet available for 2026.

It's important to know that Champion Plus (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 Champion Plus (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 Champion Plus (HMO C-SNP) Medicare plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $615.00. Under this plan, you will have no copay for Tier 1 preferred generic drugs and Tier 5 specialty tier drugs at standard pharmacies. For Tier 2 standard generics, Tier 3 preferred brands, and Tier 4 non-preferred drugs, you will pay a 25% coinsurance. These cost-sharing rates apply during the initial coverage phase until your total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs exceed $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D drugs. Additionally, if you qualify for the low-income subsidy, your Part D premium may be reduced to $12.00.

Additional Benefits

The Champion Plus (HMO C-SNP) plan offers comprehensive medical coverage with no copay or coinsurance for primary care visits, telehealth, mental health services, and home health care. Specialist visits, outpatient hospital services, and dialysis require no copay and a 20% coinsurance, while emergency room visits carry a $115 copay that is waived upon admission. For inpatient hospital stays, cost-sharing aligns with Original Medicare, and skilled nursing facility stays are covered with no copay for the first 20 days. This plan also features generous supplemental benefits, including preventive dental care with no copay and comprehensive dental services covered up to a $3,000 annual limit with 20% to 40% coinsurance. Vision benefits provide routine exams and eyeglasses with no copay up to a $500 yearly limit, and prescription hearing aids are available for a $149 copay. Additionally, members receive fitness benefits, no-copay preventive care, and up to 36 one-way transportation trips per year to plan-approved locations.