Community y Más (HMO C-SNP)
Community Health Group · HMO C-SNP · 2027 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
- $1,500
- Lower than most plans here
- Drug deductible
- $700
- Tied for highest here
- Medicare star rating
- No rating yet
This is a special needs plan. Only some people can join: Chronic or Disabling Condition.
In plain English
Compared with the 31 other plans in San Diego County that the same person could join.
What stands out
- No monthly premium
- At most $1,500 a year for covered care, lower than most plans here
- Dental, vision and hearing extras included
Watch out for
- $140 for the emergency room, higher than most plans here
- $700 drug deductible, tied for highest here
- Dental: plan pays up to $2,000 a year, less 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.
- A busier year$0$0 in premiums + $0 for careTied for lowest here4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.
- A hard year$665$0 in premiums + $665 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.
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$0
- Urgent care$0
- Emergency room$140Higher than most plans hereNot charged if you stay in the hospital within 24 hours
- Hospital stay$75 a day for days 1 to 3, then $0 for days 4 to 90
- Lab tests$0
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$0Referral neededPlan approval may be needed
- Outpatient hospital care$75
- X-rays$0Plan approval may be needed
- MRI, CT and other scans$0 to $75Depends on the servicePlan approval may be needed
- Ground ambulance$150Higher than most plans herePlan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $200 a day for days 21 to 100Referral neededPlan approval may be needed
From the costs the plan filed with Medicare for 2027. A range like “$0 to $100” means the cost depends on the service or the place. “Lower than most” compares this plan with the 31 other plans in San Diego County that the same person could join. Ask the plan for its 2027 Evidence of Coverage booklet for the full rules.
What medicines cost
| Drug tier | Network pharmacy |
|---|---|
| 1Preferred Generic | $0 |
| 2Generic | $9 |
| 3Preferred BrandAfter the deductible | $47 |
| 4Non-Preferred BrandAfter the deductible | 30% of the price |
| 5Specialty TierAfter the deductible | 25% of the price |
| 6Select Care Drugs | $0 |
For a 1-month supply. The $700 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 2027, 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 $2,000 a year.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $300 a year.
- Hearing IncludedHearing test: $0. Hearing aids covered.Hearing aids: plan pays up to $750 every three years, both ears.
- Over-the-counter items IncludedUp to $145 every three months for things like vitamins, pain relief and bandages.Unused money does not carry over.
- Fitness IncludedIncludes gym or fitness classes.
- Rides to care Included24 one-way rides to medical visits a year.
What changed from 2026
- Most you pay in a year2026$1,0002027$1,500
- Drug deductible2026$02027$700
- Dental2026Cleanings and exams: $0. Fillings, crowns and dentures: you pay $0. Cleanings and exams: plan pays up to $2,300 a year. Plan pays up to $2,300 a year for all dental2027Cleanings and exams: $0. Fillings, crowns and dentures: you pay $0. Plan pays up to $2,000 a year
- Over-the-counter items2026Up to $200 every three months for things like vitamins, pain relief and bandages. Unused money does not carry over2027Up to $145 every three months for things like vitamins, pain relief and bandages. Unused money does not carry over
- Fitness2026Not covered2027Includes gym or fitness classes
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 Community y Más (HMO C-SNP), plan number H6248-001, for 2027?”