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AARP Medicare Advantage from UHC CA-0002 (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-0002 (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-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-0002 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Kern 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-0002 (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-0002 (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-0002 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $2000.00 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-0002 (HMO-POS) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $355.00. During the initial coverage phase, you will pay a $10.00 copay for Tier 1 preferred generic drugs and a 15% coinsurance for Tier 2 standard generic drugs at standard pharmacies. For Tier 3 preferred brands and Tier 4 non-preferred drugs, the coinsurance is 37% and 29% respectively, which applies to standard retail pharmacies as well as mail-order services. Once your annual out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D prescriptions. Additionally, individuals who qualify for the low-income subsidy (LIS) can receive a Part D premium reduction, reducing their costs to $0.00.
Additional Benefits
The AARP Medicare Advantage from UHC CA-0002 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for inpatient hospital stays, outpatient services, and primary care or specialist visits. Emergency room visits require a $150 copay, which is waived if you are admitted, while ambulance services have a $290 copay. Diagnostic lab tests and x-rays are also covered with no copay, though more advanced imaging and therapeutic services may require a copay of up to $95 or a 20% coinsurance. This plan features valuable extra benefits, including routine dental, vision, and hearing exams with no copay or coinsurance. Dental services are covered up to $1,000 annually with a 50% coinsurance for comprehensive care, while vision eyewear offers a $200 allowance every two years. Additionally, members benefit from up to 24 free one-way transportation trips, over-the-counter items with no copay, and standard medical equipment covered at a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS) with no copay and no coinsurance for Medicare-covered acute and psychiatric stays. While unlimited additional acute care days are covered at no cost, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CA-0002 (HMO-POS) covers outpatient services, including outpatient hospital, observation, ambulatory surgical center, and blood services, with no copay or coinsurance. Outpatient substance abuse services are also covered with no coinsurance, featuring a $0 to $25 copay for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-0002 (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 covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CA-0002 (HMO-POS) covers ambulance services with a $290 copay and no coinsurance for both ground and air transport. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC CA-0002 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no coinsurance and a copay ranging from no copay to $65, 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-0002 (HMO-POS), featuring no copays or coinsurance for primary care visits, specialists, telehealth, and therapy services, while podiatry and routine chiropractic care are not covered. Mental health and psychiatric specialty services require a copay of $0 to $25 depending on the session type, with no coinsurance.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS) with no copay and no coinsurance for annual exams, kidney education, fitness benefits, and home safety modifications. Sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS), which offers one annual routine hearing exam with no copay or coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two prescription or over-the-counter hearing aids per year with no coinsurance and copays ranging from $199 to $1,249, while specific inner-ear, outer-ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS) with no deductibles, no coinsurance, and no copays for annual routine eye exams. Eyewear benefits include a $200 limit every two years with no coinsurance and copays ranging from $0 to $153 for lenses, though upgrades and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS) up to a $1,000 annual limit, excluding implant services and orthodontics. Preventive and diagnostic care is provided with no copay and no coinsurance, while covered comprehensive services require a 50% coinsurance and no copay.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS) with prior authorization and coinsurance ranging from no coinsurance to 20% for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS) with a 20% coinsurance and no copay. Prior authorization and a doctor referral are required to receive these services.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-0002 (HMO-POS) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS), requiring prior authorization and doctor referrals. There is no copay or coinsurance for lab services, diagnostic tests, and outpatient X-rays, while diagnostic radiological services require a copay of up to $95 (no coinsurance) and therapeutic radiological services carry a 20% coinsurance (no copay).
Home Health Services See details
AARP Medicare Advantage from UHC CA-0002 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization and a doctor referral are required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under AARP Medicare Advantage from UHC CA-0002 (HMO-POS), as all sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage from UHC CA-0002 (HMO-POS), featuring no copay for days 1 through 20 and a $100 daily copay for days 21 through 100, with no coinsurance. Prior authorization and a doctor referral are required for coverage, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CA-0002 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and Dual Eligible SNPs with Highly Integrated Services are not covered under this benefit.
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