UHC Complete Care CA-20P (HMO-POS C-SNP)

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 4 out of 5 stars in 2026.

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.

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.

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:

Drug Coverage

The UHC Complete Care CA-20P (HMO-POS C-SNP) prescription drug plan features an annual deductible of $355.00 and offers an Enhanced Alternative drug benefit. During the initial coverage phase, you will enjoy no copay for Tier 1 preferred generic drugs, while Tier 2 standard generics require a 22% coinsurance at standard pharmacies. Tier 3 preferred brands and Tier 4 non-preferred drugs carry a 45% and 29% coinsurance, respectively, at standard pharmacies or standard mail. These coinsurance rates apply until you reach the next coverage phase, and individuals who qualify for the low-income subsidy can reduce their Part D premium to nothing. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase where you pay nothing for covered Medicare Part D drugs. You should review the plan's formulary to see how your specific medications are covered.

Additional Benefits

The UHC Complete Care CA-20P (HMO-POS C-SNP) offers comprehensive medical coverage featuring no copays and no coinsurance for inpatient hospital stays, outpatient services, primary care visits, and home health care. Emergency services are accessible with a $150 copay, which is waived upon hospital admission, while ground and air ambulance rides require a $200 copay. Additionally, diagnostic tests, lab work, and routine preventive care are fully covered with no copay or coinsurance. For specialized care, the plan provides routine vision and preventive dental exams with no copay, alongside a $2,000 annual limit for dental services where comprehensive care requires a 50% coinsurance. Members also benefit from up to 48 one-way transportation trips per year, no copays on acupuncture and over-the-counter items, and affordable copays on hearing aids and eyewear. Some services like dialysis and chemotherapy carry up to a 20% coinsurance, while cardiac rehabilitation is not covered under this plan.