SCAN Classic (HMO)
SCAN Health Plan · HMO · 2026 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $0
- Most you pay in a year for covered care in network
- $3,400
- Drug deductible
- $250
- Medicare star rating
- 4 of 5
In plain English
Compared with the 59 other plans in San Diego County that the same person could join.
What stands out
- No monthly premium
- $90 for the emergency room, lower than most plans here
- Dental, vision and hearing extras included
Watch out for
- $1,375 for a 5-day hospital stay, higher than most plans here
- $35 for specialist visits, higher than most plans here
- $10 for primary care visits, tied for highest here
- $30 for urgent care, higher than most plans here
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$20$0 in premiums + $20 for careHigher than most plans here2 checkups and 2 lab tests.
- A busier year$210$0 in premiums + $210 for careHigher than most plans here4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.
- A hard year$2,285$0 in premiums + $2,285 for careHigher than most plans here6 checkups, 12 specialist visits, 6 lab tests, 2 scans, an ambulance ride, an ER visit and a 5-day hospital stay.
The visit counts are examples we chose to show how costs add up, not a prediction. Your costs depend on the care you get.
What you pay for care
Your cost each time, at doctors and hospitals in the plan’s network.
- Primary care visit$10Tied for highest here
- Specialist visit$35Higher than most plans hereReferral neededPlan approval may be needed
- Urgent care$30Higher than most plans here
- Emergency room$90Lower than most plans hereNot charged if you stay in the hospital
- Hospital stay$275 a day for days 1 to 7, then $0 for days 8 to 90Higher than most plans hereReferral neededPlan approval may be needed
- Lab tests$0Referral neededPlan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$35 to $250Depends on the serviceReferral neededPlan approval may be needed
- Outpatient hospital care$35 to $300Depends on the service
- X-rays$0Referral neededPlan approval may be needed
- MRI, CT and other scans$50Higher than most plans hereReferral neededPlan approval may be needed
- Ground ambulance$240Lower than most plans herePlan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $140 a day for days 21 to 100Referral neededPlan approval may be needed
From the costs the plan filed with Medicare for 2026. A range like “$0 to $100” means the cost depends on the service or the place. “Lower than most” compares this plan with the 59 other plans in San Diego County that the same person could join. Read the plan’s 2026 booklet (PDF)
What medicines cost
| Drug tier | Preferred pharmacy | Other network pharmacy |
|---|---|---|
| 1Preferred Generic | $0 | $9 |
| 2Generic | $5 | $15 |
| 3Preferred BrandAfter the deductible | $42 | $47 |
| 4Non-Preferred DrugAfter the deductible | 35% of the price | 35% of the price |
| 5Specialty TierAfter the deductible | 30% of the price | 30% of the price |
For a 1-month supply. The $250 drug deductible applies only to the tiers marked. Covered insulin costs at most $35 for a month’s supply. Your medicine’s tier is on the plan’s drug list; check it below.
Check my medicines
See if this plan covers each medicine you take in 2026, and what a month costs.
Type the name on the bottle. Add the strength to narrow it down.
Add each medicine once. We’ll show if this plan covers it, what a month costs, and any rules.
Extras
Help Original Medicare doesn’t give you.
- Dental IncludedCleanings and exams: $0. Some bigger dental work included, more with an optional add-on you can buy.
- Vision IncludedRoutine eye exam covered. Glasses or contacts covered.Eyewear: plan pays up to $300 every two years.
- Hearing IncludedRoutine hearing test covered. Hearing aids covered.
- Over-the-counter items IncludedUp to $50 every three months for things like vitamins, pain relief and bandages.
- Fitness IncludedIncludes gym or fitness classes.
- Rides to care Included40 one-way rides to medical visits a year.
Is my doctor in this plan?
Look up your doctors, then confirm with their office.
Call each doctor’s office and ask:
“Do you take SCAN Classic (HMO), plan number H5425-005, for 2026?”