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AARP Medicare Advantage from UHC CA-8 (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-8 (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-8 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-8 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Contra Costa 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-8 (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-8 (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-8 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $74.00. 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 $440.00 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 $5900.00 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-8 (HMO-POS) plan has an annual prescription drug deductible of $440.00. After meeting this deductible, you will pay a $12.00 copay for Tier 1 preferred generic drugs at standard pharmacies. Tier 2 standard generics require a 16% coinsurance, while Tier 3 preferred brands and Tier 4 non-preferred drugs carry a 39% and 28% coinsurance, respectively. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will have no copay or cost for covered Part D prescriptions. Additionally, individuals who qualify for the low-income subsidy can receive a premium reduction, bringing their Part D cost down to $10.20. This plan provides clear cost-sharing tiers to help you anticipate your annual medication expenses.
Additional Benefits
The AARP Medicare Advantage from UHC CA-8 (HMO-POS) plan offers robust healthcare coverage with no copay for primary care visits, routine preventive services, and home health care. Inpatient hospital stays require a $550 daily copay for the first few days with no copay for subsequent days, while emergency room visits feature a $130 copay that is waived if you are admitted. Outpatient services and specialist visits generally require no coinsurance, with copays ranging from no copay up to $50 for specialist consultations. Members also benefit from routine dental, vision, and hearing exams with no copay, alongside covered over-the-counter items. While diagnostic tests and diabetic supplies require no copay, other specialized needs like durable medical equipment, dialysis, and therapeutic radiology require a 20% coinsurance. Additionally, skilled nursing facility stays are covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered under AARP Medicare Advantage from UHC CA-8 (HMO-POS), requiring no coinsurance and a $550 daily copay for days 1-5 of acute stays (no copay for days 6-999) and days 1-4 of psychiatric stays (no copay for days 5-90). Prior authorization and 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 from UHC CA-8 (HMO-POS) with no coinsurance and copays ranging from $0 to $550. Patients will pay no copay for ambulatory surgical center and blood services, a $550 daily copay for observation services, $0 to $550 for outpatient hospital services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-8 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a doctor referral are required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC CA-8 (HMO-POS). Ground and air ambulance services require prior authorization and a $275 copay with no coinsurance, while transportation services to plan-approved or any other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC CA-8 (HMO-POS) covers emergency room visits 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 care, 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-8 (HMO-POS) with no coinsurance, featuring no copay for primary care visits, telehealth, and opioid treatment. Other services require copays, ranging from $0 to $50 for specialists and mental health services, $50 for physical and occupational therapies, and $45 for podiatry, while chiropractic services are partially covered at a $15 copay because routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC CA-8 (HMO-POS) with no copay and no coinsurance for covered care, including annual physical exams, fitness benefits, and kidney disease education. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management programs, alternative therapies, therapeutic massage, adult day health, nutritional or dietary benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, disease management, telemonitoring, remote access technologies, and counseling services.
Hearing Services See details
AARP Medicare Advantage from UHC CA-8 (HMO-POS) provides partially covered hearing services, including annual routine hearing exams with no copay or coinsurance, and up to two prescription or OTC hearing aids per year with copays ranging from $199 to $1,249 and no coinsurance. Hearing aid fitting and evaluations, as well as specific inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage from UHC CA-8 (HMO-POS) partially covers vision services, offering one routine eye exam per year with no copay or coinsurance. Eyewear is covered up to a $150 combined limit every two years with no copay or coinsurance for contact lenses and frames, and a $0 to $153 copay with no coinsurance for lenses, though upgrades and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC CA-8 (HMO-POS), featuring preventive care like exams, cleanings, and x-rays with no copay and no coinsurance. Medicare-covered dental services require a 20% coinsurance and no copay, while comprehensive options such as restorative, endodontic, periodontic, prosthodontic, oral surgery, and implant services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC CA-8 (HMO-POS), requiring prior authorization and 0% to 20% coinsurance with no copay for chemotherapy, radiation, and other Part B drugs. Covered Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC CA-8 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required to receive these services.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-8 (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 prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC CA-8 (HMO-POS) covers diagnostic tests and lab services with no copay, while diagnostic radiological services require a copay ranging from $0 to $260. Outpatient X-rays carry a $30 copay, and therapeutic radiological services require a 20% coinsurance, with prior authorization and doctor referrals required for all services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC CA-8 (HMO-POS) with no copay and no coinsurance. Prior authorization and a doctor referral are required to access this benefit.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC CA-8 (HMO-POS) indicates that some services are covered under its Cardiac Rehabilitation Services benefit, but in practice, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered. Because these specific sub-services are not covered, there are no copays or coinsurance costs associated with them.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CA-8 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and a doctor referral are required for coverage, and additional days beyond the Medicare-covered SNF benefit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CA-8 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items with no copay or coinsurance. Acupuncture, meal benefits, and dual eligible SNPs are not covered under this plan.
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