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AARP Medicare Advantage from UHC CA-023P (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-023P (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-023P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-023P (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Placer and Sacramento 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-023P (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-023P (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-023P (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 $3900.00 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-023P (HMO-POS) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. After meeting this deductible, you enter the initial coverage phase where you will pay a $12.00 copay for Tier 1 preferred generic drugs at standard pharmacies. For other tiers, you will pay a coinsurance rate, including 15% for Tier 2 standard generics, 39% for Tier 3 preferred brands, and 28% for Tier 4 non-preferred drugs. These initial coverage rates apply until your total drug costs reach $2,100.00, after which you will eventually enter the catastrophic coverage phase. Once your yearly out-of-pocket drug costs reach $2,100.00, you will pay nothing for Medicare Part D covered drugs. Additionally, if you qualify for the low-income subsidy, your Part D premium is reduced to no cost.
Additional Benefits
The AARP Medicare Advantage from UHC CA-023P (HMO-POS) plan provides robust coverage with no copay and no coinsurance for primary care visits, telehealth services, and routine preventive care. For hospital stays, inpatient care requires a $295 daily copay for the first five days, after which there is no copay, while outpatient services and emergency room visits feature varying copays and no coinsurance. Additionally, skilled nursing facility stays offer no copay for the first 20 days, followed by a $218 daily copay. Ancillary benefits include routine vision exams and preventive dental care with no copay or coinsurance, alongside routine hearing exams. Prescription hearing aids require copays between $199 and $1,249, while durable medical equipment, dialysis, and Medicare-covered dental services require a 20% coinsurance. It is important to note that this plan does not cover transportation, over-the-counter items, acupuncture, or major dental procedures.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage from UHC CA-023P (HMO-POS) with a $295 daily copay for days 1 to 5, no copay for days 6 to 90, and no coinsurance. Non-Medicare-covered stays, acute upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC CA-023P (HMO-POS) with no coinsurance, though copays vary depending on the service. There is no copay for ambulatory surgical center and blood services, a $0 to $25 copay for outpatient substance abuse sessions, and up to a $295 copay for outpatient hospital and daily observation services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CA-023P (HMO-POS) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization and a doctor referral are required to receive these covered services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are partially covered by AARP Medicare Advantage from UHC CA-023P (HMO-POS), with ground and air ambulance services requiring a $155 copay and no coinsurance. However, transportation services to plan-approved or any health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC CA-023P (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no copay to a $65 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC CA-023P (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copays and no coinsurance. Other covered services, including specialist, therapy, and mental health visits, feature copays ranging from no copay up to $25 and no coinsurance, though chiropractic benefits are only 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-023P (HMO-POS), offering covered benefits like annual physical exams, fitness benefits, and kidney disease education with no copay and no coinsurance. However, several sub-services are not covered, including health education, weight management programs, alternative therapies, personal emergency response systems, and in-home safety assessments.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CA-023P (HMO-POS), offering routine hearing exams with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids (all types) carry a copay of $199 to $1,249 and no coinsurance, while over-the-counter hearing aids require a $199 to $829 copay and no coinsurance; however, inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC CA-023P (HMO-POS) provides partially covered vision services, which exclude upgrades and combined eyeglasses (lenses and frames). Covered services include annual routine eye exams, contact lenses, and eyeglass frames with no copay or coinsurance, as well as eyeglass lenses with a $0 to $153 copay and no coinsurance, up to a $300 combined limit every two years.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC CA-023P (HMO-POS), which offers Medicare-covered dental care with a 20% coinsurance and no copay, as well as preventive care like exams, cleanings, and x-rays for no copay and no coinsurance. However, several major treatments are not covered, including restorative services, endodontics, periodontics, prosthodontics, oral surgery, orthodontics, and implants.
Home Infusion bundled Services See details
Home infusion bundled services are partially covered by AARP Medicare Advantage from UHC CA-023P (HMO-POS) with prior authorization required, as Part D home infusion drugs are not covered. Covered Medicare Part B chemotherapy, radiation, and other drugs require no copay and range from no coinsurance to 20% coinsurance, while Part B insulin carries a $35 copay and the same coinsurance range.
Dialysis Services See details
AARP Medicare Advantage from UHC CA-023P (HMO-POS) covers dialysis services with 20% coinsurance and no copay. Prior authorization and a doctor referral are required to receive this covered benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC CA-023P (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes, with a 20% coinsurance and no copay. Diabetic supplies are also covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CA-023P (HMO-POS) with no copay or coinsurance for lab services and diagnostic tests. Outpatient X-rays require a $30 copay and no coinsurance, diagnostic radiological services carry a copay of $0 to $175 with no coinsurance, and therapeutic radiological services require 20% coinsurance with no copay. Prior authorization and doctor referrals are required for these services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC CA-023P (HMO-POS) with no copay and no coinsurance. Prior authorization and a doctor referral are required to receive this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by AARP Medicare Advantage from UHC CA-023P (HMO-POS), where some services are covered, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD Services are not covered. Consequently, there is no copay or coinsurance associated with these services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CA-023P (HMO-POS) covers Skilled Nursing Facility (SNF) services with no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, with no coinsurance required. Prior authorization and a doctor referral are required, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are not covered under the AARP Medicare Advantage from UHC CA-023P (HMO-POS) plan, meaning members do not have coverage for acupuncture, over-the-counter (OTC) items, meal benefits, or highly integrated dual eligible SNPs.
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