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AARP Medicare Advantage from UHC CA-0008 (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-0008 (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-0008 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Nevada 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-0008 (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-0008 (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-0008 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $104.00. 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 $440.00 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 $5900.00 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-0008 (HMO-POS) plan offers Enhanced Alternative drug coverage with an annual prescription drug deductible of $440.00. Once you meet this deductible, you enter the initial coverage phase where you pay a $12.00 copay for Tier 1 preferred generics and 15% coinsurance for Tier 2 standard generics at standard pharmacies. Tier 3 preferred brands and Tier 4 non-preferred drugs require coinsurance rates of 40% and 28% respectively across standard pharmacies and mail-order options. These initial coverage rates apply until your yearly out-of-pocket drug costs reach $2,100.00, at which point you enter the catastrophic coverage phase. In this final phase, you will have no copay and pay nothing for covered Medicare Part D prescription drugs. Additionally, individuals who qualify for the low-income subsidy can see their Part D premium reduced from $72.30 to $60.30.
Additional Benefits
The AARP Medicare Advantage from UHC CA-0008 (HMO-POS) provides robust coverage for essential healthcare needs, featuring no copay for primary care visits, preventive services, and home health care. For specialized care, outpatient services range from no copay up to $395, while specialist visits require a copay of up to $30 with no coinsurance. Inpatient hospital stays require a $395 daily copay for the first five to six days, after which there is no copay. Emergency care is available with a $130 copay, which is waived if admitted, while diagnostic lab tests and routine eye exams are offered with no copay. For other medical needs, durable medical equipment and dialysis services require a 20% coinsurance, and prescription hearing aids carry copays starting at $199. It is important to note that this plan does not cover routine transportation, cardiac rehabilitation, or acupuncture.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) partially covers inpatient hospital benefits, requiring a $395 daily copay for days 1 through 6 of acute stays and days 1 through 5 of psychiatric stays, with no copay for subsequent days and no coinsurance. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) covers outpatient services with no coinsurance, featuring copays ranging from no copay up to $395. Outpatient blood and ambulatory surgical center services have no copay, while outpatient hospital visits cost up to $395 and substance abuse sessions require copays up to $25.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage from UHC CA-0008 (HMO-POS) with a $55 copay and no coinsurance. This covered benefit requires a doctor referral and prior authorization.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Although transportation benefits are technically covered, some services are covered but transportation to plan-approved and any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC CA-0008 (HMO-POS) with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services range from no copay to a $50 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) covers primary care visits and telehealth services with no copay or coinsurance, while specialists, physical therapy, and mental health services require copays ranging from $0 to $30 with no coinsurance. Chiropractic services are partially covered, as routine chiropractic care is not covered by the plan.
Preventive Services See details
Preventive services are partially covered under the AARP Medicare Advantage from UHC CA-0008 (HMO-POS), with covered services like annual physicals, kidney disease education, and glaucoma screenings requiring no copay and no coinsurance. However, additional services including health education, fitness benefits, weight management, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CA-0008 (HMO-POS), excluding fitting/evaluation for hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids. Covered benefits require no coinsurance, with no copay for routine hearing exams, copays from $199 to $1,249 for prescription hearing aids, and copays from $199 to $829 for OTC hearing aids.
Vision Services See details
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) partially covers vision services with no coinsurance, offering routine eye exams, contact lenses, and eyeglass frames for no copay. Eyeglass lenses are covered with a copay of $0 to $153 under a $150 combined eyewear limit every two years, while 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-0008 (HMO-POS), with Medicare-covered dental services requiring a 20% coinsurance and no copay. While various supplemental dental benefits are offered, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) covers Home Infusion bundled Services with prior authorization, requiring no copay and no coinsurance to 20% coinsurance for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs under this plan require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) covers Dialysis Services with a 20% coinsurance and no copay. Prior authorization and a doctor referral are required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-0008 (HMO-POS) covers medical equipment, including durable medical equipment, prosthetic devices, and diabetic shoes, with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for most medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CA-0008 (HMO-POS) with prior authorization and a doctor referral. There is no copay or coinsurance for diagnostic tests, procedures, and lab services, whereas outpatient X-rays require a $30 copay and diagnostic radiology ranges from a $0 to $175 copay. Therapeutic radiological services require 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC CA-0008 (HMO-POS) with no copay and no coinsurance. A doctor referral and prior authorization are required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC CA-0008 (HMO-POS) plan. This lack of coverage applies to all sub-services, including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by AARP Medicare Advantage from UHC CA-0008 (HMO-POS) with no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, with no coinsurance. Prior authorization and a doctor referral are required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other Services are not covered under the AARP Medicare Advantage from UHC CA-0008 (HMO-POS) plan, meaning there is no coverage, copay, or coinsurance for acupuncture, over-the-counter (OTC) items, meal benefits, and dual eligible SNPs.
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