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AARP Medicare Advantage from UHC CA-021P (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-021P (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-021P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-021P (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Orange 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-021P (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-021P (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-021P (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-021P (HMO-POS) plan offers an Enhanced Alternative prescription drug benefit with an annual deductible of $355.00. If you qualify for the low-income subsidy, also known as Extra Help, your premium costs may be reduced to zero. During the initial coverage phase, you pay standard rates for your prescriptions until your total annual drug costs reach $2,100.00. Under this plan, Tier 1 preferred generic drugs are available with no copay at standard pharmacies, while Tier 2 standard generics require a 17% coinsurance. Tier 3 preferred brands have a 40% coinsurance and Tier 4 non-preferred drugs have a 29% coinsurance through standard pharmacies and standard mail. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D prescriptions.
Additional Benefits
The AARP Medicare Advantage from UHC CA-021P (HMO-POS) plan offers robust medical coverage, featuring no copay and no coinsurance for inpatient hospital stays, primary care visits, specialist consultations, and home health care. Outpatient services, diagnostic lab tests, and routine preventative care are also covered with no copay or coinsurance. If you need emergency care, there is a $150 copay, while urgent care visits require a copay of up to $20. For everyday wellness, routine dental exams, routine vision exams, and up to 24 one-way transportation trips are covered with no copay. Comprehensive dental care requires a 50% coinsurance, and vision benefits include up to a $300 eyewear allowance every two years with no copay for frames and contact lenses. Specialized needs like durable medical equipment and dialysis require a 20% coinsurance, while prescription hearing aids require copays ranging from $199 to $1,249.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CA-021P (HMO-POS) partially covers inpatient hospital benefits, offering Medicare-covered acute and psychiatric stays with no copay and no coinsurance. However, upgrades, non-Medicare-covered stays, and additional inpatient psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CA-021P (HMO-POS) covers outpatient services with no copay or coinsurance for outpatient hospital, observation, ambulatory surgical center, and blood services. Outpatient substance abuse services are also covered with no coinsurance, requiring a $15 copay for group sessions and a copay ranging from $0 to $25 for individual sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-021P (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 covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage from UHC CA-021P (HMO-POS), featuring a $200 copay and no coinsurance for ground and air ambulance services. Transportation benefits are partially covered, offering up to 24 one-way trips to plan-approved health-related locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC CA-021P (HMO-POS) with a $150 copay, which is waived if you are admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a copay of up to $20 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay.
Primary Care See details
Primary care and specialist services are covered by AARP Medicare Advantage from UHC CA-021P (HMO-POS) with no copay and no coinsurance, which also applies to physical therapy, podiatry, and telehealth. Mental health and psychiatric services are covered with no coinsurance, requiring a $15 copay for group sessions and a copay of up to $25 for individual sessions.
Preventive Services See details
AARP Medicare Advantage from UHC CA-021P (HMO-POS) partially covers preventive services with no copay and no coinsurance for covered benefits like annual physicals, fitness programs, and home safety modifications. However, several additional services are not covered, including health education, personal emergency response systems, alternative therapies, and weight management programs.
Hearing Services See details
AARP Medicare Advantage from UHC CA-021P (HMO-POS) partially covers hearing services, offering one routine hearing exam per year with no copay or coinsurance. Covered prescription hearing aids (all types) require a $199 to $1,249 copay and OTC hearing aids require a $199 to $829 copay with no coinsurance, while fitting/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 covered by AARP Medicare Advantage from UHC CA-021P (HMO-POS) with no deductible or coinsurance, including annual routine eye exams and eyewear up to a $300 limit every two years. Routine exams, contact lenses, and eyeglass frames have no copay, while eyeglass lenses have a copay of $0 to $153; however, upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC CA-021P (HMO-POS), with implant services and orthodontics excluded from coverage. Diagnostic and preventive services are offered with no copay and no coinsurance up to a $1,000 annual limit, while covered comprehensive services require a 50% coinsurance and no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC CA-021P (HMO-POS) covers home infusion bundled services, including chemotherapy, insulin, and other Part B drugs, with prior authorization and step therapy required. Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance, while chemotherapy and other Part B drugs have no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC CA-021P (HMO-POS) with 20% coinsurance and no copay. Prior authorization and a doctor referral are required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC CA-021P (HMO-POS), with durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes requiring a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC CA-021P (HMO-POS) covers diagnostic and radiological services, offering no copay and no coinsurance for lab services, diagnostic tests, diagnostic radiology, and outpatient X-rays. Therapeutic radiological services require a 20% coinsurance, and prior authorization and a doctor referral are required for all services.
Home Health Services See details
AARP Medicare Advantage from UHC CA-021P (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization and a doctor referral are required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by AARP Medicare Advantage from UHC CA-021P (HMO-POS), where some services are covered, but in practice, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered. This benefit requires prior authorization and a doctor referral, and features no copay and no coinsurance for covered services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by AARP Medicare Advantage from UHC CA-021P (HMO-POS) with no coinsurance, requiring 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 these services, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CA-021P (HMO-POS) partially covers other services, including acupuncture, over-the-counter items, and meal benefits with no copay and no coinsurance. Dual Eligible SNPs with Highly Integrated Services are not covered.
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