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AARP Medicare Advantage from UHC CA-0024 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC CA-0024 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP Medicare Advantage from UHC CA-0024 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-0024 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Santa Barbara County. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC CA-0024 (PPO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage from UHC CA-0024 (PPO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For AARP Medicare Advantage from UHC CA-0024 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $120.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $600.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $10100.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10100.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The AARP Medicare Advantage from UHC CA-0024 (PPO) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $600.00. After meeting this deductible, standard pharmacy copays for a 30-day supply start at $12.00 for Tier 1 preferred generics, while Tier 2 standard generics require a 16% coinsurance. Tier 3 preferred brands and Tier 4 non-preferred drugs carry a coinsurance of 32% and 26% respectively, which applies to standard retail and mail-order services. If you qualify for the low-income subsidy, your Part D premium can be reduced to $82.50 for full LIS recipients. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase where you will pay nothing for covered Part D prescriptions. This plan structure helps limit your overall healthcare expenses once you reach the maximum out-of-pocket threshold.
Additional Benefits
The AARP Medicare Advantage from UHC CA-0024 (PPO) plan offers affordable coverage for everyday medical needs, featuring no copays for primary care, telehealth visits, and annual routine eye and hearing exams. For specialized care, specialist visits require copays ranging from $0 to $45, while emergency room visits carry a $130 copay. Inpatient hospital stays require a $550 copay for the first 5 days, after which there is no copay or coinsurance. Diagnostic lab services, diabetic supplies, and home health services are fully covered with no copay or coinsurance. However, major medical services such as dialysis, durable medical equipment, and Medicare-covered dental care require a 20% coinsurance with no copay. This plan does not cover several lifestyle benefits, including over-the-counter items, acupuncture, meal benefits, and routine transportation.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by AARP Medicare Advantage from UHC CA-0024 (PPO), as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Acute stays require a $550 copay for days 1-5, no copay for days 6-999, and no coinsurance, while psychiatric stays require a $550 copay for days 1-4, no copay for days 5-90, and no coinsurance.
Outpatient Services See details
AARP Medicare Advantage from UHC CA-0024 (PPO) covers outpatient services with no coinsurance, though copays vary depending on the specific service. Patients will pay no copay for ambulatory surgical center and blood services, $0 to $25 for outpatient substance abuse sessions, and up to $550 for outpatient hospital and daily observation services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-0024 (PPO) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are partially covered by AARP Medicare Advantage from UHC CA-0024 (PPO), with ground and air ambulance services requiring a $290 copay and no coinsurance. Non-covered transportation services include those to plan-approved health-related locations and any health-related locations.
Emergency Services See details
AARP Medicare Advantage from UHC CA-0024 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require no copay to a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits are covered by AARP Medicare Advantage from UHC CA-0024 (PPO) with no coinsurance, featuring no copay for primary care provider and telehealth visits, and copays between $0 and $45 for specialist, therapy, and mental health services. Chiropractic services are partially covered with a $15 copay, but routine chiropractic care is not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC CA-0024 (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, and glaucoma screenings. However, additional preventive benefits are only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, and readmission prevention. Other excluded services include wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, and smoking cessation counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CA-0024 (PPO), which offers annual routine hearing exams with no copay or coinsurance, though fitting and evaluation services are not covered. Prescription and OTC hearing aids are covered with copays ranging from $199 to $1,249 and no coinsurance, but specific inner, outer, and over-the-ear prescription hearing aid types are excluded.
Vision Services See details
AARP Medicare Advantage from UHC CA-0024 (PPO) partially covers Vision Services, offering annual routine eye exams with no copay or coinsurance. The plan also provides a $150 eyewear allowance every two years with no coinsurance, covering contact lenses and eyeglass frames with no copay and eyeglass lenses with a $0 to $153 copay, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC CA-0024 (PPO), which covers Medicare-covered dental services with a 20% coinsurance and no copay. However, orthodontic, restorative, endodontic, periodontic, prosthodontic, implant, maxillofacial, and oral surgery services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC CA-0024 (PPO) partially covers Home Infusion bundled Services, requiring prior authorization and excluding Part D home infusion drugs as part of a bundled service. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs carry no copay and a 0% to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC CA-0024 (PPO) with 20% coinsurance and no copay. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-0024 (PPO) covers medical equipment, including durable medical equipment, prosthetic devices, and diabetic therapeutic shoes, for a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CA-0024 (PPO), with prior authorization required. Lab services have no copay or coinsurance, diagnostic tests require a $50 copay and no coinsurance, and outpatient x-rays require a $30 copay and no coinsurance. Diagnostic radiological services carry a copay of $0 to $260 with no coinsurance, while therapeutic radiological services require 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC CA-0024 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are provided by AARP Medicare Advantage from UHC CA-0024 (PPO), but some services are covered while Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered. There are no copay or coinsurance benefits available for these non-covered services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CA-0024 (PPO) partially covers Skilled Nursing Facility (SNF) services with no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and no coinsurance. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are not covered under the AARP Medicare Advantage from UHC CA-0024 (PPO) plan, as acupuncture, over-the-counter (OTC) items, meal benefits, and dual eligible SNPs with highly integrated services are all excluded from coverage.
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