Molina Medicare Choice Care (HMO)
Molina Healthcare of California · 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
- $3,600
- Higher than most plans here
- Drug deductible
- $0
- Tied for lowest here
- Medicare star rating
- 3 of 5
In plain English
Compared with the 57 other plans in San Bernardino County that the same person could join.
What stands out
- No monthly premium
- $100 for the emergency room, lower than most plans here
- No drug deductible, tied for lowest here
- Dental: plan pays up to $4,000 a year, tied for most here
Watch out for
- Up to $3,600 a year for covered care, higher than most plans here
- $1,625 for a 5-day hospital stay, higher than most plans here
- $40 for specialist visits, higher than most plans here
- $25 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$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$185$0 in premiums + $185 for careHigher than most plans here4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.Not counted, because the plan charges a percentage: Lab tests.
- A hard year$2,655$0 in premiums + $2,655 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.Uses the highest listed cost for: MRI, CT and other scans.Not counted, because the plan charges a percentage: Lab tests, Ground ambulance.
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$40Higher than most plans here
- Urgent care$25Higher than most plans here
- Emergency room$100Lower than most plans hereNot charged if you stay in the hospital within 24 hours
- Hospital stay$325 a day for days 1 to 6, then $0 for days 7 to 90Higher than most plans herePlan approval may be needed
- Lab tests0% to 20%Depends on the servicePlan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$0 to $250Depends on the servicePlan approval may be needed
- Outpatient hospital care$0 to $500Depends on the service
- X-rays$0Plan approval may be needed
- MRI, CT and other scans$0 to $225Depends on the servicePlan approval may be needed
- Ground ambulance20%Plan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $200 a day for days 21 to 100Plan 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 57 other plans in San Bernardino County that the same person could join. Read the plan’s 2026 booklet (PDF)
What medicines cost
| Drug tier | Network pharmacy |
|---|---|
| 1Preferred Generic | $3 |
| 2Generic | $12 |
| 3Preferred Brand | $47 |
| 4Non-Preferred Drug | 35% of the price |
| 5Specialty Tier | 33% of the price |
| 6Select Care Drugs | $0 |
For a 1-month supply. 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.Plan pays up to $4,000 a year.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $350 a year.
- Hearing IncludedRoutine hearing test covered. 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 IncludedRides to medical visits, no set number.
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 Molina Medicare Choice Care (HMO), plan number H5810-014, for 2026?”