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AARP Medicare Advantage from UHC CA-0001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC CA-0001 (HMO-POS). 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-0001 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in San Diego County. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC CA-0001 (HMO-POS) 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-0001 (HMO-POS).
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-0001 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $29.00. 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 $355.00 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 Maximum Out-Of-Pocket cost of $5300.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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-0001 (HMO-POS) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $355.00. After meeting this deductible, you will pay a $10.00 copay for Tier 1 preferred generic drugs and a 19% coinsurance for Tier 2 standard generic drugs at standard pharmacies. Tier 3 preferred brand drugs and Tier 4 non-preferred drugs require a 31% and 29% coinsurance, respectively, across standard retail and mail-order pharmacies. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for your covered Part D prescription drugs. Additionally, individuals who qualify for the low-income subsidy can benefit from a reduced Part D premium of $6.90 compared to the standard $18.90 premium.
Additional Benefits
The AARP Medicare Advantage from UHC CA-0001 (HMO-POS) plan offers comprehensive medical coverage with no copays for preventive care, home health services, and routine primary care telehealth visits. For inpatient hospital stays, members pay a $225 daily copay for the first eight days and no copay thereafter, while emergency room visits carry a $130 copay that is waived if admitted. Outpatient services and diagnostic tests are highly affordable, often requiring no copay or low copays ranging up to $225 depending on the specific service. This plan also includes valuable supplemental benefits, such as routine vision and dental preventive care with no copays, alongside a $1,000 annual limit for comprehensive dental services which require a 50% coinsurance. Members also benefit from no copays on routine hearing exams, up to 24 yearly one-way transportation trips with no copay, and acupuncture, though some services like cardiac rehabilitation are not covered. Durable medical equipment and prosthetics are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage from UHC CA-0001 (HMO-POS), requiring a $225 daily copay for days 1 through 8, no copay for days 9 through 90, and no coinsurance for acute and psychiatric stays. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, non-Medicare-covered stays, and acute upgrades are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC CA-0001 (HMO-POS) with no coinsurance and varying copays depending on the service. There is no copay for ambulatory surgical center and blood services, while outpatient hospital services cost between no copay and $225, and observation services require a $225 daily copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization and a doctor referral are required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, requiring prior authorization. Transportation services are partially covered with no copay and no coinsurance for up to 24 yearly one-way trips to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $0 to $30 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 partially covered by AARP Medicare Advantage from UHC CA-0001 (HMO-POS), as podiatry services are not covered. Covered services feature no coinsurance, with copays ranging from no copay for telehealth and routine chiropractic care up to $40 for specialists, occupational therapy, and physical therapy.
Preventive Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) partially covers preventive services with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and safety devices. Sub-services that are not covered under this plan include health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CA-0001 (HMO-POS), featuring one routine hearing exam per year with no copay, no deductible, and no coinsurance. While fitting and evaluation exams, as well as specific inner ear, outer ear, and over the ear prescription aids are not covered, the plan covers up to two OTC hearing aids (with a $199 to $829 copay and no coinsurance) and general prescription hearing aids (with a $199 to $1249 copay and no coinsurance) annually.
Vision Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) provides partial coverage for vision services, offering routine eye exams, contact lenses, and eyeglass frames with no copay and no coinsurance. Eyeglass lenses are covered with a copay of $0 to $153 and no coinsurance up to a combined $200 limit every two years, while upgrades and bundled eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) partially covers dental services up to a $1,000 annual limit, excluding implant services and orthodontics which are not covered. Preventive and diagnostic care features no copay and no coinsurance, while Medicare-covered dental services require a 20% coinsurance with no copay, and comprehensive services require a 50% coinsurance with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) covers Home Infusion bundled Services, which require prior authorization and step therapy. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other covered Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) covers dialysis services with no copay, though prior authorization and a doctor referral are required. Coinsurance information is not specified for this benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, though prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) covers diagnostic and radiological services with prior authorization and doctor referrals. Members pay no copay and no coinsurance for diagnostic tests and lab services, a $15 copay with no coinsurance for outpatient X-rays, and up to a $105 copay with no coinsurance for diagnostic radiological services. Therapeutic radiological services require a 20% coinsurance with no copay.
Home Health Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) covers Home Health Services with no copay and no coinsurance. A doctor referral and prior authorization are required to receive these benefits.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) does not cover Cardiac Rehabilitation Services, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all not covered under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CA-0001 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, as additional days beyond Medicare-covered care are not covered. There is no copay and no coinsurance for days 1 through 20, followed by a $218 daily copay and no coinsurance for days 21 through 100.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC CA-0001 (HMO-POS), featuring acupuncture, over-the-counter items, and meal benefits with no copay and no coinsurance. Dual Eligible SNPs with Highly Integrated Services are not covered under this plan.
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