Central Health Embrace Choice Plan (HMO C-SNP)
Central Health Medicare Plan · 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
- $9,250
- Drug deductible
- $615
- Medicare star rating
- 3 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
- Dental, vision and hearing extras included
Watch out for
- Dental: plan pays up to $1,600 a year, less than most 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.Not counted, because the plan charges a percentage: 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.Not counted, because the plan charges a percentage: Specialist visit, Lab tests, X-rays.
- A hard year$115$0 in premiums + $115 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.Not counted, because the plan charges a percentage: Specialist visit, Lab tests, MRI, CT and other scans, Ground ambulance, 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 visit0% to 30%Depends on the serviceReferral neededPlan approval may be needed
- Urgent care$0
- Emergency room$115Not charged if you stay in the hospital within 3 days
- Lab tests0%Referral neededPlan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$0Tied for lowest hereReferral neededPlan approval may be needed
- Outpatient hospital care0% to 20%Depends on the service
- X-rays0%Referral neededPlan approval may be needed
- MRI, CT and other scans0% to 20%Depends on the serviceReferral neededPlan approval may be needed
- Ground ambulance20%Plan 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 |
| 2GenericAfter the deductible | 15% of the price |
| 3Preferred BrandAfter the deductible | 15% of the price |
| 4Non-Preferred DrugAfter the deductible | 30% of the price |
| 5Specialty TierAfter the deductible | 25% of the price |
| 6Select Care Drugs | $0 |
For a 1-month supply. The $615 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. Fillings, crowns and dentures: you pay $0.Cleanings and exams: plan pays up to $1,600 a year. Plan pays up to $1,600 a year for all dental.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $300 a year.
- Hearing IncludedHearing test: $0. Hearing aids covered.
- Over-the-counter items IncludedCovered for things like vitamins, pain relief and bandages.
- Fitness IncludedIncludes gym or fitness classes and an activity tracker.
- Rides to care Included12 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 Central Health Embrace Choice Plan (HMO C-SNP), plan number H5649-026-003, for 2026?”