The Costco SCAN Medicare Advantage plan: what's the real deal?

Q: Is the Costco SCAN plan better than SCAN Classic Complete?

They are nearly identical. The deciding factor is usually whether you already use Costco for prescriptions, vision, and hearing, plus which plan covers your doctors and drugs best.

Q: Are the Costco perks worth it?

Only if you would use them. If you already shop Costco for pharmacy, vision, or hearing they can be real value; if not, judge the plan on networks, drugs, and total cost.

✓ Reviewed October 2026 for the 2027 plan year

There's one Costco-branded SCAN Advantage plan, and it's getting a retail push. Here's the honest take: it's nearly identical to SCAN's Classic Complete plan ... so the real question is whether the Costco tie-in fits how you already shop.

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Licensed CA agent since 1999 · No cost · We never cold-call you

What it is

SCAN offers a single Costco-branded Medicare Advantage plan that pairs a standard SCAN Advantage structure with Costco-flavored perks. Underneath, it's almost identical to SCAN's Classic Complete plan that many California members already know ... same company, very similar bones.

The one question that actually decides it

Because the two plans are so close, the benefits sheet won't tell you much. The real tie-breaker is simpler:

🛒 Do you already use Costco for your prescriptions, vision, and hearing? If yes, the Costco plan's perks can turn into genuine value you'd actually use. If you don't shop Costco for those, it's mostly branding ... and Classic Complete may serve you just as well.

How to actually compare them

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Networks

Are your doctors and hospitals in-network on each plan? With two near-identical plans, this and your drugs are what really differ in practice.

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Drug coverage

Compare each plan's formulary and pharmacy costs against your actual prescriptions ... and whether Costco pharmacy helps you.

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Core benefits

Medical copays, max out-of-pocket, dental, vision, hearing ... the fundamentals that decide total cost.

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Costco fit

Membership and the retail perks only count if you'd use them. Honest math, not marketing.

Get an unbiased side-by-side

Tell us your ZIP, your current plan, your doctors, and your prescriptions ... we'll compare the Costco SCAN plan and SCAN Classic Complete honestly, for your situation.

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Common questions

▸ Is the Costco SCAN plan better than SCAN Classic Complete?

They're nearly identical, so neither is automatically better. The deciding factor is usually whether you already use Costco for prescriptions, vision, and hearing ... plus which plan covers your doctors and drugs best.

▸ Do I need a Costco membership to use the plan?

Plan rules vary and we'll confirm the current-year details. The more important question is whether you'd actually use the Costco perks and whether the plan covers your doctors and drugs well.

▸ Are the Costco perks worth it?

Only if you'd use them. If you already shop Costco for pharmacy, vision, or hearing, they can be real value; if not, judge the plan on networks, drugs, and total cost.

▸ Does your help cost anything?

No. We're licensed California Medicare agents and our help is free.

Related help & next steps

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