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AARP Medicare Advantage from UHC CA-003P (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-003P (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-003P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-003P (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Los Angeles 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-003P (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-003P (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-003P (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 $800.00 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-003P (HMO-POS) plan features an annual prescription drug deductible of $355.00. After meeting this deductible, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies. For other tiers, you will pay a coinsurance at standard pharmacies, which includes 16% for Tier 2 standard generics, 37% for Tier 3 preferred brands, and 29% for Tier 4 non-preferred drugs. These initial coverage costs apply until your yearly drug costs reach $2,100.00, after which you enter the catastrophic coverage phase and pay nothing for covered Part D drugs. If you qualify for the low-income subsidy, also known as Extra Help, your Part D drug costs are reduced to $0.00. This Medicare Advantage plan provides structured prescription drug coverage to help you manage your healthcare expenses.
Additional Benefits
The AARP Medicare Advantage from UHC CA-003P (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for inpatient hospital stays, primary care, specialist visits, and outpatient services. Emergency care is available with a $150 copay, which is waived upon hospital admission, while urgent care visits require a low copay of up to $20. Additionally, diagnostic lab tests, X-rays, and home health care are covered with no copay or coinsurance. For everyday wellness, this plan provides preventive dental, routine vision, and annual hearing exams with no copay or coinsurance, alongside a $1,000 annual maximum for comprehensive dental care. Prescription hearing aids, eyewear, and skilled nursing care beyond 20 days require copays, while dialysis and durable medical equipment are subject to a 20% coinsurance. Note that cardiac rehabilitation services are not covered under this plan.
Inpatient Hospital See details
Inpatient hospital care is partially covered by the AARP Medicare Advantage from UHC CA-003P (HMO-POS) plan with no copay and no coinsurance for Medicare-covered acute and psychiatric stays. While unlimited additional days for acute stays are covered at no cost, non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient Services under the AARP Medicare Advantage from UHC CA-003P (HMO-POS) plan feature no copay and no coinsurance for outpatient hospital, observation, ambulatory surgical center, and blood services. Outpatient substance abuse services are also covered with no coinsurance, requiring 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-003P (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization and a doctor referral are required to access these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) covers ground and air ambulance services with a $200 copay and no coinsurance. Transportation services are partially covered with no copay or coinsurance for up to 24 one-way trips per year to plan-approved locations, while transportation to any health-related location is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $20 and 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-003P (HMO-POS) covers primary care, specialist visits, physical therapy, occupational therapy, and telehealth with no copay and no coinsurance. Mental health and psychiatric services require a copay ranging from $0 to $25 for individual sessions and $15 for group sessions, also with no coinsurance.
Preventive Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) partially covers preventive services with no copay and no coinsurance for covered services such as annual exams, kidney education, and fitness benefits. Non-covered sub-services include 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/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) partially covers hearing services, offering one annual routine hearing exam with no copay, coinsurance, or deductible, though fitting and evaluation exams are not covered. Up to two prescription hearing aids are covered yearly with a copay of $199.00 to $1,249.00 and no coinsurance, and up to two over-the-counter hearing aids are covered with a copay of $199.00 to $829.00 and no coinsurance, while inner ear, outer ear, and over-the-ear styles are not covered.
Vision Services See details
Vision services are covered by AARP Medicare Advantage from UHC CA-003P (HMO-POS), offering no copay and no coinsurance for annual routine eye exams, contact lenses, and eyeglass frames. This benefit is partially covered, as upgrades and combined eyeglasses (lenses and frames) are not covered, though individual eyeglass lenses are covered with no coinsurance and a copay of $0 to $153. Covered eyewear is subject to a combined maximum benefit of $200 every two years.
Dental Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) partially covers dental services up to a $1,000 annual maximum, offering preventive care such as cleanings and exams with no copay or coinsurance. Comprehensive dental care is covered with a 50% coinsurance and no copay, but 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-003P (HMO-POS), requiring prior authorization and step therapy. For Medicare Part B insulin, there is a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, 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.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) covers diagnostic and radiological services with no copay and no coinsurance for lab services, diagnostic tests, diagnostic radiology, and outpatient X-rays. Therapeutic radiological services require a 20% coinsurance with no copay, and all of these services require prior authorization and a doctor referral.
Home Health Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) covers Home Health Services with no copay and no coinsurance. A doctor referral and prior authorization are required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC CA-003P (HMO-POS) plan. This exclusion applies to all related sub-services, including intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by AARP Medicare Advantage from UHC CA-003P (HMO-POS), requiring prior authorization and a doctor referral but excluding additional days beyond Medicare-covered SNF stays. There is no copay or coinsurance for days 1 through 20, while days 21 through 100 require a $218 daily copay and no coinsurance.
Other Services See details
AARP Medicare Advantage from UHC CA-003P (HMO-POS) covers acupuncture, over-the-counter items, and meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Dual Eligible SNPs with Highly Integrated Services are not covered under these benefits.
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