A non-government entity
AARP Medicare Advantage from UHC CA-10 (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-10 (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-10 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-10 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Santa Clara 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-10 (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-10 (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-10 (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 $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 $3500.00 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:
Sign up for AARP Medicare Advantage from UHC CA-10 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC CA-10 (HMO-POS) plan features an Enhanced Alternative drug benefit with a $440.00 annual prescription drug deductible. During the initial coverage phase, standard pharmacy costs include an $8.00 copay for Tier 1 preferred generics and a 19% coinsurance for Tier 2 standard generics. Preferred brand and non-preferred drugs require a 32% and 28% coinsurance, respectively, across standard and mail-order options. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Part D prescription drugs. Additionally, beneficiaries who qualify for the low-income subsidy or Extra Help will pay nothing for their Part D coverage. This plan offers structured, predictable cost-sharing to help you manage your annual healthcare budget.
Additional Benefits
The AARP Medicare Advantage from UHC CA-10 (HMO-POS) plan offers comprehensive coverage with no copays or coinsurance for primary care visits, specialist consultations, physical therapy, and telehealth services. For inpatient hospital stays, members pay no coinsurance and a daily copay of $195 for the first five days, with no copay for subsequent days. Emergency room visits feature a $150 copay, which is waived upon admission, while worldwide emergency and urgent care services are covered with no copay or coinsurance. Routine dental cleanings, annual eye exams, and routine hearing tests are highly accessible with no copays or coinsurance. Prescription hearing aids require a copay ranging from $199 to $1,249, while covered eyewear is subject to a $150 maximum limit every two years. For medical equipment and dialysis services, members can expect a 20% coinsurance with no copay, whereas diabetic supplies and home health services are available with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CA-10 (HMO-POS) partially covers inpatient hospital services with no coinsurance, featuring a $195 daily copay for days 1 through 5 and no copay for days 6 and beyond. However, the plan does not cover non-Medicare-covered stays, upgrades for acute care, or additional days for psychiatric stays.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC CA-10 (HMO-POS) with no coinsurance and copays ranging from no copay for ambulatory surgical center and blood services up to $195 for outpatient hospital and observation services. Outpatient substance abuse sessions have a copay of up to $25 per individual session and $15 per group session, with most services requiring prior authorization and a doctor referral.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-10 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a doctor referral are required to receive these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC CA-10 (HMO-POS), as transportation to plan-approved or any health-related locations is not covered. Covered ground and air ambulance services require a $275 copay and no coinsurance.
Emergency Services See details
AARP Medicare Advantage from UHC CA-10 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from no copay to $65 with 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-10 (HMO-POS) covers primary care, specialist visits, physical therapy, and telehealth with no copays or coinsurance. Mental health and psychiatric services require a copay of $0 to $25 for individual sessions and $15 for group sessions, while chiropractic benefits are partially covered because routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC CA-10 (HMO-POS) with no copays or coinsurance for covered options like annual physicals, fitness programs, 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, readmission prevention, chemotherapy 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.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CA-10 (HMO-POS), excluding fitting/evaluation exams, as well as inner ear, outer ear, and over the ear prescription hearing aids. Routine exams have no copay and no coinsurance, while covered prescription hearing aids require a $199 to $1,249 copay and OTC hearing aids require a $199 to $829 copay, with no coinsurance for either.
Vision Services See details
AARP Medicare Advantage from UHC CA-10 (HMO-POS) provides partially covered vision services with no coinsurance, including annual routine eye exams and eyeglass frames with no copay. Covered eyewear is subject to a $150 maximum limit every two years, with eyeglass lenses requiring a $0 to $153 copay, while upgrades and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC CA-10 (HMO-POS) partially covers dental services, offering Medicare-covered dental, oral exams, cleanings, x-rays, and fluoride treatments with no copay and no coinsurance. However, restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the AARP Medicare Advantage from UHC CA-10 (HMO-POS) plan with prior authorization required. Members pay no copay and no coinsurance to 20% coinsurance for chemotherapy and other Part B drugs, 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-10 (HMO-POS) covers Dialysis Services with a 20% coinsurance and no copay. Prior authorization and a doctor referral are required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-10 (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 no coinsurance, though prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CA-10 (HMO-POS) with prior authorization and doctor referrals required. Members pay no copay or coinsurance for lab services, a $25 copay with no coinsurance for diagnostic tests, a $30 copay with no coinsurance for outpatient X-rays, a $0 to $260 copay with no coinsurance for diagnostic radiology, and a 20% coinsurance with no copay for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage from UHC CA-10 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization and a doctor referral are required to access these covered services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC CA-10 (HMO-POS) indicates that some services are covered for Cardiac Rehabilitation, but in practice, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CA-10 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, requiring a doctor referral and prior authorization. Covered stays feature no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and no coinsurance, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC CA-10 (HMO-POS), with Over-the-Counter (OTC) items available at no copay and no coinsurance. Acupuncture, meal benefits, and dual eligible SNPs are not covered under this benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved