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AARP Medicare Advantage from UHC CA-022P (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-022P (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-022P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-022P (HMO-POS) is a HMO-POS 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 AARP Medicare Advantage from UHC CA-022P (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-022P (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-022P (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-022P (HMO-POS) plan features an annual prescription drug deductible of $355.00. After meeting this deductible, you enter the initial coverage phase where Tier 1 preferred generic drugs have no copay at standard pharmacies. For other tiers at standard pharmacies, you will pay a coinsurance, which includes 16% for Tier 2 standard generics, 39% for Tier 3 preferred brands, and 29% for Tier 4 non-preferred drugs. These initial coverage rates apply until your total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for Medicare Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC CA-022P (HMO-POS) plan offers robust medical coverage with no copay and no coinsurance for inpatient hospital stays, primary care visits, specialist consultations, and outpatient services. Beneficiaries also benefit from no copays or coinsurance for home health care, routine preventive services, and up to 24 one-way trips per year for plan-approved transportation. Emergency care is available with a $150 copay that is waived upon hospital admission, while urgent care requires a copay of up to $20. In addition to medical care, the plan provides dental, vision, and hearing coverage, including a $1,250 annual dental limit and no copays for routine eye and hearing exams. While preventive dental services have no copay, comprehensive dental care requires a 50% coinsurance, and hearing aids require a copay with no coinsurance. For other specialized needs, services like dialysis and durable medical equipment require a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by AARP Medicare Advantage from UHC CA-022P (HMO-POS), offering Medicare-covered acute and psychiatric stays with no copay and no coinsurance. While unlimited additional acute days are covered, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC CA-022P (HMO-POS) with no coinsurance and no copay for outpatient hospital, observation, ambulatory surgical center, and blood services. Outpatient substance abuse services require a copay of $15 for group sessions and up to $25 for individual sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-022P (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. This benefit requires a doctor referral and prior authorization.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CA-022P (HMO-POS) covers ground and air ambulance services for a $200 copay and no coinsurance. Transportation services are partially covered with no copay or coinsurance for up to 24 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC CA-022P (HMO-POS) with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of up to $20 and 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-022P (HMO-POS) covers primary care, specialist visits, therapy, podiatry, and telehealth services with no copay and no coinsurance. Mental health and psychiatric sessions are also covered, requiring a copay of $0 to $25 and no coinsurance depending on the session type.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC CA-022P (HMO-POS) with no copay and no coinsurance for covered services such as annual physical exams, kidney disease education, and fitness benefits. However, several sub-services are not covered under this plan, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access, bathroom safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CA-022P (HMO-POS), though fitting and evaluation exams, alongside inner ear, outer ear, and over the ear prescription hearing aids, are not covered. One routine hearing exam is covered yearly with no copay and no coinsurance. Covered prescription hearing aids require a copay of $199 to $1,249, and over-the-counter hearing aids require a copay of $199 to $829, both with no coinsurance for up to two devices per year.
Vision Services See details
AARP Medicare Advantage from UHC CA-022P (HMO-POS) partially covers vision services, offering one annual routine eye exam with no deductible, no copay, and no coinsurance. Eyewear is covered up to a $200 limit every two years with no deductible, featuring no copay or coinsurance for contact lenses and frames, and a $0 to $153 copay and no coinsurance for lenses. 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-022P (HMO-POS), which provides up to a $1,250 annual maximum benefit. Diagnostic and preventive services have no copay and no coinsurance, while covered comprehensive services require no copay and 50% coinsurance. Implant services and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC CA-022P (HMO-POS) with prior authorization, though Part D home infusion drugs are not covered under this benefit. Covered Part B insulin drugs require a $35 copay and range from no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC CA-022P (HMO-POS) covers Dialysis Services with a 20% coinsurance and no copay. Prior authorization and a doctor referral are required to receive these covered services.
Medical Equipment See details
Medical Equipment benefits under AARP Medicare Advantage from UHC CA-022P (HMO-POS) are covered with a 20% coinsurance and no copay for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for most of these medical equipment and supply categories.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by AARP Medicare Advantage from UHC CA-022P (HMO-POS), though prior authorization and doctor referrals are required. There is no copay and no coinsurance for lab services, diagnostic procedures, outpatient X-rays, and diagnostic radiological services, while therapeutic radiological services require a 20% coinsurance and no copay.
Home Health Services See details
AARP Medicare Advantage from UHC CA-022P (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
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC CA-022P (HMO-POS) plan, meaning there is no coverage, copay, or coinsurance for cardiac, intensive cardiac, pulmonary, or SET for PAD rehabilitation services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage from UHC CA-022P (HMO-POS), as additional days beyond the Medicare-covered limit are not covered. Covered stays require prior authorization and a doctor referral, featuring no copay or coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100.
Other Services See details
AARP Medicare Advantage from UHC CA-022P (HMO-POS) partially covers other services, offering acupuncture and meal benefits with no copay and no coinsurance. However, over-the-counter (OTC) items and highly integrated services for dual-eligible SNPs are not covered.
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