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AARP Medicare Advantage from UHC CA-006P (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-006P (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-006P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-006P (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-006P (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-006P (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-006P (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-006P (HMO-POS) plan features an enhanced alternative drug benefit with a $355 prescription drug deductible. Once this deductible is met, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies. For other tiers at standard pharmacies, you will pay a coinsurance of 16% for Tier 2 standard generics, 41% for Tier 3 preferred brands, and 29% for Tier 4 non-preferred drugs. These initial coverage costs apply until your total drug costs reach $2,100. After your out-of-pocket costs reach this $2,100 limit, you enter the catastrophic coverage phase where you pay nothing for covered Part D prescription drugs. If you qualify for the low-income subsidy, your Part D premium is reduced to $0.
Additional Benefits
The AARP Medicare Advantage from UHC CA-006P (HMO-POS) plan offers robust coverage with no copay and no coinsurance for inpatient hospital stays, primary care, specialist visits, and home health services. Routine diagnostic tests, lab work, and outpatient hospital services also feature no copays or coinsurance, keeping your out-of-pocket costs to a minimum. For urgent and emergency needs, emergency room visits require a $150 copay, while urgent care ranges from no copay up to $20. Supplemental benefits include routine vision and hearing exams with no copay, plus a $200 eyewear allowance and hearing aid copays ranging from $199 to $1,249. Preventive dental care has no copay or coinsurance, while comprehensive dental services require a 50% coinsurance up to a $1,000 annual maximum. Members also enjoy acupuncture, over-the-counter items, and up to 24 one-way transportation trips per year with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CA-006P (HMO-POS) partially covers inpatient hospital benefits, providing Medicare-covered acute and psychiatric stays with no copay and no coinsurance. However, non-Medicare-covered stays, acute care upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CA-006P (HMO-POS) covers outpatient hospital, observation, ambulatory surgical center, and blood services with no copay and no coinsurance. 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-006P (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 services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CA-006P (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, but transportation to any health-related location is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC CA-006P (HMO-POS) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 24 hours, and urgently needed services with a $0 to $20 copay, both with no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC CA-006P (HMO-POS) covers primary care, specialist, therapy, chiropractic, and podiatry services with no copay and no coinsurance. Mental health and psychiatric services are also covered with no coinsurance, requiring a $15 copay for group sessions and a copay ranging from no copay to $25 for individual sessions.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC CA-006P (HMO-POS) with no copays or coinsurance for covered benefits like annual physical exams, kidney disease education, fitness benefits, and home safety modifications. However, sub-services such as 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, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC CA-006P (HMO-POS) partially covers hearing services, offering one routine hearing exam per year with no copay and no coinsurance. Up to two prescription or OTC hearing aids are covered annually with copays ranging from $199 to $1,249 and no coinsurance, but 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
Vision services are partially covered by AARP Medicare Advantage from UHC CA-006P (HMO-POS), offering no copay or coinsurance for routine eye exams, contact lenses, and eyeglass frames, with a $200 eyewear allowance every two years. Eyeglass lenses require no coinsurance and a copay of $0 to $153, while complete eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC CA-006P (HMO-POS) up to a $1,000 annual maximum. Preventive care, including exams and cleanings, is covered with no copay and no coinsurance, while comprehensive services require a 50% coinsurance and no copay; 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-006P (HMO-POS) with prior authorization, featuring no copay and coinsurance ranging from no coinsurance up to 20% for Part B chemotherapy, radiation, and other drugs. Medicare Part B insulin drugs are also covered under this plan, requiring a $35 copay and coinsurance ranging from no coinsurance up to 20%.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC CA-006P (HMO-POS) 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-006P (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, and prior authorization is required for most of these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CA-006P (HMO-POS) with no copay and no coinsurance for lab services, diagnostic tests, diagnostic radiology, and outpatient X-rays. Therapeutic radiological services require a 20% coinsurance and no copay, and all of these services require a doctor referral and prior authorization.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC CA-006P (HMO-POS) with no copay and no coinsurance. Prior authorization and a doctor referral are required to access these services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC CA-006P (HMO-POS) indicates some services are covered, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are actually not covered in practice. Because these services are not covered, there is no copay or coinsurance required for them under the plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by AARP Medicare Advantage from UHC CA-006P (HMO-POS), requiring prior authorization and a doctor referral. There is no copay for days 1-20, a $100 copay per day for days 21-100, and no coinsurance, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CA-006P (HMO-POS) partially covers other services, offering acupuncture and over-the-counter items with no copay and no coinsurance. Meal benefits and Dual Eligible SNPs with Highly Integrated Services are not covered.
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