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AARP Medicare Advantage from UHC CA-0015 (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-0015 (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-0015 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Riverside and San Bernardino Counties. 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-0015 (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-0015 (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-0015 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $12.00. 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-0015 (HMO-POS) plan offers an Enhanced Alternative drug benefit with a $355.00 annual prescription deductible. Under the initial coverage phase, you will enjoy no copay for Tier 1 preferred generic drugs at standard pharmacies. For other tiers, you will pay a coinsurance of 17% for standard generics, 41% for preferred brands, and 29% for non-preferred drugs. These cost-sharing rates apply until your total drug costs reach $2,100.00. Once your yearly out-of-pocket expenses reach this $2,100.00 threshold, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D prescription drugs. Furthermore, individuals who qualify for the low-income subsidy may see their Part D premium reduced to $12.00.
Additional Benefits
The AARP Medicare Advantage from UHC CA-0015 (HMO-POS) plan offers robust coverage with no copays and no coinsurance for many essential services, including inpatient hospital stays, primary care doctor visits, specialist consultations, and preventive care. Outpatient services, diagnostic lab tests, and home health care also feature no copays or coinsurance, helping to keep your out-of-pocket costs predictable. For emergencies, members pay a $150 copay, which is waived if admitted, while plan-approved transportation is available with no copay for up to 24 one-way trips annually. Supplemental benefits like routine vision exams, preventive dental care, and routine hearing exams are covered with no copays or coinsurance, though comprehensive dental services require a 50% coinsurance. Prescription hearing aids and eyeglasses may require copays, while durable medical equipment and dialysis services carry a 20% coinsurance with no copay. Skilled nursing facility stays are also covered with no copay for the first 20 days, followed by a $100 daily copay for days 21 through 100.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) covers inpatient hospital services with no copay and no coinsurance for Medicare-covered acute and psychiatric stays, though prior authorization and doctor referrals are required. The benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) covers outpatient hospital, observation, ambulatory surgical, and blood services with no copay and no coinsurance. Outpatient substance abuse services are also covered with no coinsurance, requiring a $15 copay for group sessions and ranging from no copay up to a $25 copay for individual sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a doctor referral are required to access these covered benefits.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) partially covers ambulance and transportation services, as transportation to any health-related location is not covered. Covered ground and air ambulance services require prior authorization and have a $200 copay with no coinsurance, while plan-approved transportation is offered with no copay and no coinsurance for up to 24 one-way trips per year.
Emergency Services See details
AARP Medicare Advantage from UHC CA-0015 (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 require a $0 to $20 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) offers comprehensive primary care benefits, including doctor visits, specialist services, physical therapy, and routine chiropractic and podiatry care with no copay and no coinsurance. Mental health and psychiatric sessions are also covered, with a copay of up to $25 for individual sessions, $15 for group sessions, and no coinsurance.
Preventive Services See details
Preventive Services are covered by AARP Medicare Advantage from UHC CA-0015 (HMO-POS) with no copay or coinsurance for annual physical exams, kidney disease education, and select screenings. While fitness benefits and home safety modifications are also covered with no copay or coinsurance, numerous other supplemental services like health education and weight management programs are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) partially covers hearing services, offering annual routine hearing exams with no copay or coinsurance, though fitting and evaluation exams are not covered. Up to two OTC hearing aids are covered with a $199 to $829 copay, and up to two prescription hearing aids (all types) are covered with a $199 to $1,249 copay, while 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-0015 (HMO-POS), with no copay, no deductible, and no coinsurance for annual routine eye exams, contact lenses, and eyeglass frames. Eyeglass lenses require a copay of $0 to $153 with no coinsurance under a combined $300 eyewear limit every two years, while upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC CA-0015 (HMO-POS), with preventive and diagnostic care offered at no copay and no coinsurance up to a $1,500 annual limit. Comprehensive dental services require a 50% coinsurance and no copay, while 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-0015 (HMO-POS), requiring prior authorization and step therapy. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs carry no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) covers dialysis services with a 20% coinsurance and no copay. A doctor referral and prior authorization are required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) covers durable medical equipment, prosthetics, 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 medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CA-0015 (HMO-POS), with no copays or coinsurance for diagnostic tests, lab services, outpatient X-rays, and diagnostic radiological services. Therapeutic radiological services require up to 20% coinsurance and a copay, and prior authorization and doctor referrals are required for all services.
Home Health Services See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization and a doctor referral are required to receive this covered benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC CA-0015 (HMO-POS) plan. This includes intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) provides partially covered Skilled Nursing Facility (SNF) services, as additional days beyond the Medicare-covered limit are not covered. Covered stays require prior authorization and a doctor referral, featuring no copay for days 1 to 20, a $100 daily copay for days 21 to 100, and no coinsurance.
Other Services See details
AARP Medicare Advantage from UHC CA-0015 (HMO-POS) partially covers other services, offering acupuncture for up to 20 treatments per year and over-the-counter items with no copay and no coinsurance. Meal benefits and Dual Eligible SNPs with Highly Integrated Services are not covered under this plan.
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