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UHC Complete Care CA-20P (HMO-POS C-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Complete Care CA-20P (HMO-POS C-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Complete Care CA-20P (HMO-POS C-SNP) in 2025, please refer to our full plan details page.
UHC Complete Care CA-20P (HMO-POS C-SNP) is a HMO-POS C-SNP 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 3 out of 5 stars in 2025.
It's important to know that UHC Complete Care CA-20P (HMO-POS C-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UHC Complete Care CA-20P (HMO-POS C-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UHC Complete Care CA-20P (HMO-POS C-SNP).
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 UHC Complete Care CA-20P (HMO-POS C-SNP), 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 $255.00 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 UHC Complete Care CA-20P (HMO-POS C-SNP) plan has a $255 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy you use. For example, in the initial coverage phase, you will pay no copay for preferred generic drugs at a standard pharmacy, and $35 for standard generic drugs. You will pay a $100 copay for preferred brand drugs at standard and mail order pharmacies, and 30% coinsurance for non-preferred drugs. Once your total drug costs reach $2000, you enter the catastrophic coverage phase and pay nothing for covered drugs.
Additional Benefits
The UHC Complete Care CA-20P (HMO-POS C-SNP) plan offers a wide range of benefits with a focus on no-copay services. Many services, including inpatient hospital stays, outpatient services, primary care visits, preventive services, hearing and vision exams, dental services, home health, and medical equipment, have no copay. Emergency services have a $100 copay, and ambulance services have a $100 copay. Additional benefits include coverage for prescription hearing aids with a copay between $199 and $1249, and eyewear with no copay up to a $300 combined maximum benefit every two years. The plan also covers partial hospitalization with a $55 copay, while outpatient substance abuse services and mental health services have copays between $0 and $25 for individual sessions, and $15 for group sessions.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. Inpatient Hospital-Acute has no copay for a Medicare-covered stay and Additional Days have no copay for days 91-999, but Non-Medicare-covered Stay and Upgrades are not covered. Inpatient Hospital Psychiatric has no copay for a Medicare-covered stay, but Additional Days and Non-Medicare-covered Stay are not covered.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services, are covered. Outpatient Hospital Services, Observation Services, and Ambulatory Surgical Center (ASC) Services have no copay, while Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25, and Group Sessions have a copay of $15. Outpatient Blood Services also have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered, requiring prior authorization and a doctor referral, with a $55 copay.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the UHC Complete Care CA-20P (HMO-POS C-SNP) plan. Ground and air ambulance services have a $100 copay, while transportation services to a plan-approved health-related location have no copay for up to 48 one-way trips per year via taxi or medical transport; transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the UHC Complete Care CA-20P (HMO-POS C-SNP) plan. Emergency Services have a $100 copay and no coinsurance, while Urgently Needed Services have a copay between $0 and $20 and no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay and no coinsurance.
Primary Care See details
The UHC Complete Care CA-20P (HMO-POS C-SNP) plan covers primary care physician services, chiropractic services, occupational therapy, physician specialist services, mental health specialty services, podiatry services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services. Primary Care Physician Services, Chiropractic Services, Physician Specialist Services, Additional Telehealth Benefits, and Physical Therapy and Speech-Language Pathology Services have no copay. The plan covers Individual Sessions for Mental Health and Psychiatric Services with a copay between $0 and $25. Group Sessions for Mental Health and Psychiatric Services have a copay of $15.
Preventive Services See details
The UHC Complete Care CA-20P (HMO-POS C-SNP) plan covers preventive services, including an annual physical exam with no copay, and other preventive services, some of which may have a copay. The plan also covers Fitness Benefit, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit with no copay. Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, and Counseling Services are not covered.
Hearing Services See details
The UHC Complete Care CA-20P (HMO-POS C-SNP) plan covers hearing exams with no copay and routine hearing exams with no copay, up to one per year. Prescription hearing aids are covered with a copay between $199 and $1249, up to two per year, and OTC hearing aids are covered with a copay between $99 and $829, with a limit of two per year. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
The UHC Complete Care CA-20P (HMO-POS C-SNP) plan covers vision services, including routine eye exams and eyewear. Eye exams have no copay, and the plan covers one routine eye exam per year. Eyewear, including contact lenses and eyeglass lenses, is covered with no copay, but eyeglass frames and upgrades are not covered, and there is a combined maximum benefit of $300 for eyewear every two years.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with no copay, and other dental services. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventive dental services have no copay. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Maxillofacial Prosthetics, and Oral and Maxillofacial Surgery have no copay; Prosthodontics (removable and fixed) have a coinsurance between 0% and 50%. Implant Services and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, requiring prior authorization. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the UHC Complete Care CA-20P (HMO-POS C-SNP) plan, but require prior authorization and a doctor's referral. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment benefits are covered, including Durable Medical Equipment, Prosthetics/Medical Supplies (Non-Medicare), and Diabetic Equipment. Durable Medical Equipment has no coinsurance and no copay, but Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies have no coinsurance and no copay for Medicare-covered supplies and devices. Diabetic Equipment also has no coinsurance and no copay for Medicare-covered supplies and therapeutic shoes/inserts.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including all diagnostic services and all radiological services. Diagnostic Procedures/Tests and Outpatient X-Ray Services have no copay, while Lab Services have no copay. Therapeutic Radiological Services have a $20 copay.
Home Health Services See details
Home Health Services are covered by the UHC Complete Care CA-20P (HMO-POS C-SNP) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization and referral are required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization and a doctor referral are required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the UHC Complete Care CA-20P (HMO-POS C-SNP) plan, but require prior authorization and a doctor's referral. You will have no copay for days 1-20, and a $100 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered SNF stays are not covered.
Other Services See details
The UHC Complete Care CA-20P (HMO-POS C-SNP) plan covers acupuncture with no copay, up to 20 treatments per year. Over-the-counter items are also covered with no copay, including nicotine replacement therapy and Naloxone, but not all drugs on the CMS OTC list. Other services such as meals, case management, and home-based services are not covered.
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