Hoag Leaving SCAN in 2027? Your Medicare Options

What if you stay with SCAN?

You can keep your SCAN Medicare Advantage HMO plan. Hoag says SCAN will assign affected members a new primary care doctor who is outside Hoag. Ask SCAN how the assignment affects your medical group, specialists, referrals and upcoming care.

That may work if you are comfortable changing providers. Before deciding, check your new care team, hospitals and prescriptions under your exact 2027 plan.

If you would rather keep your Hoag providers, there are two coverage paths to compare: Original Medicare with a Medicare Supplement and separate drug plan, or another Medicare Advantage plan that includes your doctors and facilities.

Option 1: Original Medicare with a Medicare Supplement

Original Medicare is Part A and Part B. You can generally see any doctor or hospital that accepts Medicare, so we would confirm that your specific Hoag providers accept it. A Medicare Supplement policy, also called Medigap, helps pay some of the costs Original Medicare leaves to you. You pay a separate premium for the Supplement and continue paying your Part B premium.

Medicare Supplement policies sold today do not include outpatient prescription coverage. If you want drug coverage, you generally add a separate Part D plan. We would check your medications and pharmacy when comparing that plan too.

Could you qualify for a Medicare Supplement without medical underwriting?

Possibly. A guaranteed issue right means an insurer cannot turn you down for an eligible Medicare Supplement policy because of your health. California law may provide this right when a Medicare Advantage plan ends its relationship with a provider who is currently treating you, if the legal conditions are met. Other circumstances, such as a plan ending, can create rights too.

A network change alone does not tell us whether you qualify. If you do not have a guaranteed issue right or another enrollment protection, a Supplement insurer may use medical underwriting. I can review your notice, available policies and application timing with you before you leave your current coverage. Keep every letter you receive about the change.

Option 2: Another Medicare Advantage plan with Hoag providers

A Medicare Advantage plan with prescription drug coverage is often called an MAPD plan. It keeps the Medicare Advantage structure you may already know: your Part A and Part B benefits come through a private plan, and Part D drug coverage is included. Each plan has its own provider network, medical costs, drug list and yearly out-of-pocket limit for covered medical services.

I can compare plans from the carriers I represent, then confirm which are available in your ZIP code and include your exact Hoag primary doctor, specialists and facilities. A Hoag hospital appearing in a directory does not confirm that every Hoag doctor you use is in the same plan.

We would also compare your prescriptions, pharmacy, deductibles, copays and maximum out-of-pocket costs. Once you choose a plan that fits your care and budget, I can help you enroll. There is no separate cost to you for my help; if a policy is issued, the insurance carrier pays me.

Which Medicare Advantage HMO plans does Hoag list?

Hoag says it participates in the following Medicare Advantage HMO plans for people who want continued access after its SCAN contract ends. The list is a starting point. It does not confirm that every plan is available in your ZIP code, includes every doctor you use, or is a plan I represent. We will verify the exact 2027 plan before you enroll.

• Anthem: Anthem Select (HMO-POS), Anthem Medicare Advantage (HMO-POS), and Anthem Prime (HMO-POS)
• Alignment Health: Platinum Preferred 004 and Honor Plus 060
• UnitedHealthcare: AARP Medicare Advantage from UHC CA – 46

Source: Hoag's SCAN contract FAQ ↗

How can I help you choose the right path?

Schedule a Medicare plan review by phone. Before our call, gather the names of your primary doctor and specialists, a list of your prescription drugs with doses, and your preferred pharmacy. Have your current plan name and any network-change notice handy too.

I will help verify the Hoag providers you want to keep, review whether a Medicare Supplement guaranteed issue right may apply, and compare that path with available Medicare Advantage plans. We will look at your doctors, prescriptions and costs together. Once you decide and we confirm eligibility and effective dates, I can help you enroll in the coverage you choose.

The Medicare Annual Enrollment Period (AEP) runs October 15 through December 7 for changes generally effective January 1. Do not cancel your current coverage until the replacement path and effective date are confirmed.