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AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Giveback from UHC CA-20 (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 Giveback from UHC CA-20 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC CA-20 (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 Giveback from UHC CA-20 (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 Giveback from UHC CA-20 (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 Giveback from UHC CA-20 (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. Additionally, this plan comes with a Part B Premium reduction of $35.00. You must continue to pay paying your reduced 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 $520.00 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 Giveback from UHC CA-20 (HMO-POS) plan features an Enhanced Alternative drug benefit with a $520.00 annual prescription drug deductible. During the initial coverage phase, Tier 1 preferred generic drugs require a $14.00 copay at standard pharmacies, while Tier 2 standard generics carry a 15% coinsurance. Tier 3 preferred brands and Tier 4 non-preferred drugs require 34% and 27% coinsurance respectively, which applies to standard pharmacy and mail-order options. If you qualify for the Low-Income Subsidy, your Part D costs are reduced to no cost. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D drugs. This structured coverage helps you easily anticipate your prescription expenses throughout the year.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) provides robust coverage with no copays or coinsurance for many essential services, including inpatient hospital stays, primary and specialist doctor visits, and routine home health care. Members also benefit from no copays on preventive care, diagnostic lab tests, outpatient surgeries, and routine dental, vision, and hearing exams. Emergency room visits require a $150 copay with no coinsurance, while urgent care services are highly affordable with copays ranging up to $20. For specialized services, there is a 20% coinsurance with no copay for dialysis and durable medical equipment, while skilled nursing facility stays require a $100 daily copay only after the first 20 days. Prescription hearing aids are covered with copays ranging from $199 to $1,249, and eyewear is covered up to a $150 allowance every two years. Although the plan includes extra perks like up to 20 acupuncture visits with no copay, it does not cover non-emergency transportation, comprehensive dental treatments, or over-the-counter products.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan, offering Medicare-covered acute and psychiatric stays with no copay and no coinsurance. While unlimited additional days for acute stays are included at no cost, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) with no coinsurance, featuring no copay for outpatient hospital, observation, ambulatory surgical center, and blood services. Outpatient substance abuse services are also covered with no coinsurance, requiring a copay of up to $25 for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan with a $55 copay and no coinsurance. Prior authorization and a doctor referral are required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan. Ground and air ambulance services are covered with a $195 copay and no coinsurance, while transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) for 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 $0 to $20 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits are covered by AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS), featuring no copay and no coinsurance for primary care provider, specialist, therapy, and telehealth visits. Outpatient mental health and psychiatric services are also covered with no coinsurance, requiring a $15 copay for group sessions and up to a $25 copay for individual sessions.
Preventive Services See details
AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copay or coinsurance. Additional preventive benefits are only partially covered, offering a fitness benefit with no copay or coinsurance, while other services like health education, weight management, and in-home support are not covered.
Hearing Services See details
AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) partially covers hearing services, excluding fitting and evaluation exams as well as inner, outer, and over-the-ear prescription hearing aids. Covered routine exams have no copay and no coinsurance, while covered prescription and OTC hearing aids require no coinsurance and copays ranging from $199 to $1,249 and $199 to $829, respectively.
Vision Services See details
AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) covers vision services, including annual routine eye exams with no copay and no coinsurance. Eyewear is partially covered up to a $150 limit every two years, featuring no copay or coinsurance for frames and contact lenses, and a $0 to $153 copay and no coinsurance for lenses, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS), featuring no copay and no coinsurance for preventive care and Medicare dental services. Restorative services, endodontics, periodontics, prosthodontics, oral surgery, implants, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) partially covers home infusion bundled services with prior authorization, though Part D home infusion drugs are not covered. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic shoes with 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
Diagnostic and Radiological Services are covered under AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) with a doctor referral and prior authorization. There is no copay for diagnostic procedures, lab services, and outpatient X-rays, while diagnostic radiological services have a copay of up to $50, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) with no copay and no coinsurance. Prior authorization and a doctor referral are required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan, which offers no copay or coinsurance coverage for intensive cardiac, pulmonary, or supervised exercise therapy services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered under the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan, as additional days beyond the Medicare-covered limit are not covered. For covered stays, there is no copay for days 1 to 20, a $100 daily copay for days 21 to 100, and no coinsurance.
Other Services See details
Other Services are partially covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS), which provides acupuncture with no copay and no coinsurance for up to 20 treatments per year. However, over-the-counter (OTC) items, meal benefits, and highly integrated dual eligible SNP services are not covered.
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