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AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx CA-MA01 (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 Patriot No Rx CA-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Southern California. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx CA-MA01 (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 Patriot No Rx CA-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $25.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $4900.00 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:
Sign up for AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) plan offers reliable coverage for essential medical services with predictable cost-sharing. Members benefit from no copay on primary care visits, telehealth services, and routine annual physicals, while specialist and mental health visits require a copay of up to $25. For acute care, inpatient hospital stays require a $195 daily copay for days one through five and no copay thereafter, while emergency room visits carry a $130 copay. Ancillary care under this plan includes routine vision and hearing exams with no copay, though hearing aids and corrective lenses require varying copayments. Durable medical equipment, dialysis, and Medicare-covered dental services require a 20% coinsurance with no copay. Home health services are fully covered with no copay, and skilled nursing facility stays require no copay for the first 20 days.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) partially covers inpatient hospital services, requiring a $195 daily copay for days 1 through 5, no copay for days 6 through 90, and no coinsurance. Prior authorization and doctor referrals are required, while upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital and observation services require a copay of up to $195, while outpatient substance abuse sessions range from no copay to $25.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) covers partial hospitalization benefits with a $55 copay and no coinsurance. This covered service requires both prior authorization and a doctor referral.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) plan, as transportation services to plan-approved or other health-related locations are not covered. Covered ground and air ambulance services require prior authorization and have a $290 copay with no coinsurance.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx CA-MA01 (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 copay of up to $50 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 the AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) plan, as podiatry services are not covered. Covered services require no coinsurance, with copayments ranging from no copay for primary care, telehealth, and chiropractic visits, up to $25 for specialist, therapy, and mental health services.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) with no copay and no coinsurance for covered options like annual physicals, kidney disease education, and fitness benefits. However, many sub-services are not covered, including 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, home safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS), offering routine hearing exams with no copay, no deductible, and no coinsurance, alongside prescription and OTC hearing aids with copays ranging from $199 to $1,249 and no coinsurance. Fitting and evaluation exams, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) offers partially covered vision services, with eyeglasses (lenses and frames) and upgrades excluded from coverage. Covered services like routine eye exams and eyeglass frames have no copay and no coinsurance, while eyeglass lenses require a copay of $0 to $153 and no coinsurance, subject to a combined $150 eyewear limit every two years.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS), with Medicare-covered dental services requiring a 20% coinsurance and no copay. Multiple dental treatments are offered as optional supplemental benefits for an extra cost, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) covers Home Infusion bundled Services, which require prior authorization. Under this benefit, Medicare Part B insulin drugs have a $35 copay and 0% to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs require 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx CA-MA01 (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 Patriot No Rx CA-MA01 (HMO-POS) covers medical equipment, with durable medical equipment, prosthetics, and diabetic therapeutic shoes or inserts requiring a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, 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 Patriot No Rx CA-MA01 (HMO-POS), requiring doctor referrals and prior authorization. Diagnostic tests, lab services, and outpatient X-rays have no copays or coinsurance, while diagnostic radiological services carry a $0 to $260 copay with no coinsurance, and therapeutic radiological services require a 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) plan with no copay and no coinsurance. Prior authorization and a doctor referral are required to receive these covered services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) covers Cardiac Rehabilitation Services, meaning some services are covered, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered in practice. Because these sub-services are not covered, there is no copay or coinsurance associated with them.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS), requiring a doctor referral and prior authorization. Covered stays feature no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and no coinsurance, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered under the AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS) plan, which includes acupuncture with no copay and no coinsurance for up to 12 treatments per year. Over-the-counter (OTC) items, meal benefits, and Dual Eligible SNPs are not covered.
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