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AARP Medicare Advantage from UHC CA-0010 (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-0010 (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-0010 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-0010 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in California. 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-0010 (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-0010 (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-0010 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $89.00. 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 Maximum Out-Of-Pocket cost of $6700.00 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-0010 (HMO-POS) plan features an Enhanced Alternative drug benefit with a $600.00 prescription drug deductible. For individuals qualifying for the low-income subsidy, the Part D premium is reduced to $0.30. During the initial coverage phase, standard pharmacy costs include a $12.00 copay for Tier 1 preferred generics and an 18% coinsurance for Tier 2 standard generics. Tier 3 preferred brand drugs and Tier 4 non-preferred drugs require 31% and 26% coinsurance, respectively, for standard pharmacies and mail-order services. After reaching $2,100.00 in yearly out-of-pocket drug costs, you enter the catastrophic coverage phase where you will pay nothing for covered Part D drugs.
Additional Benefits
The AARP Medicare Advantage from UHC CA-0010 (HMO-POS) plan offers comprehensive coverage for core medical services, featuring no copay for primary care visits, telehealth, and annual preventive physicals. For inpatient hospital stays, members pay a $550 copay for days 1 through 5 and no copay for days 6 through 999, while emergency room visits carry a $130 copay that is waived if admitted. Outpatient ambulatory surgical services and home health visits are also available with no copay, though specialists and diagnostic tests require copayments ranging up to $50 and $55 respectively. Routine hearing and vision exams are covered with no copay, and select over-the-counter items are also available with no copay. However, some services require coinsurance, such as a 20% coinsurance with no copay for dialysis, durable medical equipment, and Medicare-covered dental care. It is important to note that this plan does not cover routine chiropractic care, cardiac rehabilitation, eyewear, or transportation services.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CA-0010 (HMO-POS) covers inpatient acute hospital stays with a $550 copay for days 1 through 5, no copay for days 6 through 999, and no coinsurance. Inpatient psychiatric hospital stays are also covered with a $550 copay for days 1 through 4, no copay for days 5 through 90, and no coinsurance, though upgrades, additional psychiatric days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC CA-0010 (HMO-POS) with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Copays range from $0 to $550 for outpatient hospital services, $550 per day for observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage from UHC CA-0010 (HMO-POS) with a $55 copay and no coinsurance. Prior authorization and a doctor referral are 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-0010 (HMO-POS), with ground and air ambulance services requiring a $290 copay and no coinsurance. Transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC CA-0010 (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 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-0010 (HMO-POS) with no coinsurance, featuring no copays for primary care visits, telehealth, and opioid treatment. Specialist, therapy, and mental health services require copays ranging from $0 to $50, while chiropractic care is only partially covered because routine chiropractic services are not covered.
Preventive Services See details
Preventive services are covered under the AARP Medicare Advantage from UHC CA-0010 (HMO-POS) plan with no copay and no coinsurance for annual physicals, kidney disease education, and diabetes self-management training. Additional preventive services are partially covered, providing home and bathroom safety devices with no copay and no coinsurance, while fitness benefits, weight management programs, and health education are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CA-0010 (HMO-POS), which offers one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation services are not covered. Prescription and OTC hearing aids are covered up to two devices yearly with no coinsurance and copays ranging from $199 to $1,249, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC CA-0010 (HMO-POS) covers annual routine eye exams with no copay and no coinsurance, though a referral and prior authorization are required. While some eyewear services are technically covered, contact lenses, eyeglasses, lenses, frames, and upgrades are not covered in practice.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage from UHC CA-0010 (HMO-POS), featuring a 20% coinsurance and no copay for Medicare-covered dental services. While various restorative, prosthetic, and surgical services are offered as optional supplemental benefits, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC CA-0010 (HMO-POS), requiring prior authorization and step therapy. Covered Medicare Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs require no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC CA-0010 (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-0010 (HMO-POS) covers durable medical equipment, prosthetic devices, 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 medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC CA-0010 (HMO-POS) covers diagnostic and radiological services, requiring doctor referrals and prior authorization. Lab services have no copay or coinsurance, diagnostic tests require a $55 copay and no coinsurance, and outpatient X-rays have a $30 copay and no coinsurance. Diagnostic radiological services range from no copay to $260 with no coinsurance, while therapeutic radiological services require 20% coinsurance and no copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC CA-0010 (HMO-POS) plan with no copay and no coinsurance. A doctor referral and prior authorization are required to access this benefit.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC CA-0010 (HMO-POS) does not cover Cardiac Rehabilitation Services. None of the individual sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are covered under this plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by AARP Medicare Advantage from UHC CA-0010 (HMO-POS), requiring no copay and no coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100. Prior authorization and a doctor referral are required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CA-0010 (HMO-POS) partially covers other services, providing 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 plan.
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