Imperial Senior Value (HMO C-SNP)
Imperial Health Plan of California, Inc. · HMO C-SNP · 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
- $296
- Lowest of 11 plans here
- Drug deductible
- $0
- Tied for lowest here
- Medicare star rating
- 3.5 of 5
This is a special needs plan. Only some people can join: Chronic or Disabling Condition.
In plain English
Compared with the 10 other plans in Yolo County that the same person could join.
What stands out
- No monthly premium
- At most $296 a year for covered care, lowest of 11 plans here
- $0 for a 5-day hospital stay, tied for lowest here
- No drug deductible, tied for lowest here
Watch out for
- $125 for the emergency room, higher than most plans here
- Dental: plan pays up to $500 a year, least of 4 plans here
- You need a referral to see a specialist
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$0$0 in premiums + $0 for care2 checkups and 2 lab tests.
- A busier year$0$0 in premiums + $0 for care4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.
- A hard year$275$0 in premiums + $275 for careLower 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$0
- Specialist visit$0Referral neededPlan approval may be needed
- Urgent care$0
- Emergency room$125Higher than most plans hereNot charged if you stay in the hospital within 48 hours
- Hospital stay$0 for days 1 to 90Tied for lowest 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$100Tied for highest hereReferral neededPlan approval may be needed
- Outpatient hospital care$100
- X-rays$0Referral neededPlan approval may be needed
- MRI, CT and other scans$0Referral neededPlan approval may be needed
- Ground ambulance$150Plan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $100 a day for days 21 to 50, then $200 a day for days 51 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 10 other plans in Yolo County that the same person could join. Read the plan’s 2026 booklet (PDF)
What medicines cost
| Drug tier | Network pharmacy |
|---|---|
| 1Preferred Generic | $0 |
| 2Generic | $6 |
| 3Preferred Brand | $45 |
| 4Non-Preferred Drug | $90 |
| 5Specialty Tier | 33% of the price |
| 6Select Care Drugs | $3 |
For a 1-month supply. Covered insulin costs at most $0 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. Fillings, crowns and dentures: you pay $0.Cleanings and exams: plan pays up to $500 a year. Plan pays up to $3,000 a year.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $500 a year.
- Hearing IncludedHearing test: $0. Hearing aids covered.Hearing tests: plan pays up to $250 a year. Hearing aids: plan pays up to $500 a year, both ears.
- Over-the-counter items IncludedUp to $130 every three months for things like vitamins, pain relief and bandages.Unused money does not carry over.
- Fitness IncludedIncludes gym or fitness classes and an activity tracker.
- Rides to care Included100 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 Imperial Senior Value (HMO C-SNP), plan number H5496-005, for 2026?”