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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 2025, 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 3 out of 5 stars in 2025.
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 $50.00. 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 $255.00 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 has a $255.00 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, for standard generic drugs, you will pay a $14.00 copay at a standard pharmacy. For preferred brand drugs, you'll pay a $100.00 copay. After your yearly out-of-pocket drug costs reach $2000.00, you pay nothing for Medicare Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan offers a wide range of benefits. This plan includes no copay for inpatient hospital stays, outpatient services, emergency services, and many primary care and preventive services. You will also get no copay for dental exams, vision exams, and home health services. This plan also offers coverage for ambulance services with a copay, as well as transportation to health-related locations with no copay. The plan also includes coverage for hearing and vision services, with a copay for hearing aids and eyewear, and it covers many other services with varying copays and coinsurance amounts.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered with prior authorization and a doctor referral. Inpatient Hospital-Acute has no copay for a Medicare-covered stay and no copay for days 91-999, while Inpatient Hospital Psychiatric has no copay for a Medicare-covered stay. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute and Additional Days for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services, are covered. Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, and Outpatient Blood Services have no copay, while Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25, and Group Sessions for Outpatient Substance Abuse have a $15 copay.
Partial Hospitalization See details
Partial Hospitalization is covered under this plan, with a $55 copay. Prior authorization and a doctor referral are required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with a $150 copay for both ground and air ambulance services, and no coinsurance. Transportation Services to a plan-approved health-related location are covered with no copay and no coinsurance, up to 24 one-way trips per year via taxi or medical transport. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan. For Emergency Services, there is a $90 copay, with no coinsurance. Urgently Needed Services have a copay between $0 and $20, with no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay and no coinsurance.
Primary Care See details
Primary Care Physician Services, Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Podiatry Services, Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services are covered. Primary care physician services, chiropractic services, physician specialist services, physical therapy, speech-language pathology, and additional telehealth benefits have no copay. Occupational therapy has a copay, and mental health specialty services have a copay that ranges from $0-$25 for individual sessions and $15 for group sessions. Podiatry services, other health care professionals, and psychiatric services also have a copay, while opioid treatment program services have no copay.
Preventive Services See details
Preventive Services include an annual physical exam with no copay, and other services like Glaucoma Screening and Diabetes Self-Management Training also have no copay. Home and Bathroom Safety Devices and Modifications are covered with no copay. However, Health Education, In-Home Safety Assessment, and other services are not covered.
Hearing Services See details
Hearing exams are covered with no copay. Routine hearing exams are covered with no copay, and you are allowed 1 visit every year. Prescription hearing aids are partially covered; Prescription Hearing Aids (all types) are covered with a copay between $199 and $1249, and you are allowed 2 visits every year, but Inner Ear, Outer Ear, and Over the Ear hearing aids are not covered. OTC Hearing Aids are covered with a copay between $99 and $829. Fitting/Evaluation for Hearing Aids is not covered.
Vision Services See details
Vision Services includes eye exams and eyewear coverage. Eye exams have no copay. Eyewear includes contact lenses, eyeglass lenses, and eyeglass frames, all with no copay; however, eyeglass frames and lenses are limited to one pair every two years, and there is a combined maximum of $250 for all eyewear every two years. Eyeglasses and upgrades are not covered.
Dental Services See details
The AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan covers a variety of dental services, including oral exams, dental x-rays, cleanings, fluoride treatments, and other preventive services with no copay; however, orthodontics, restorative services, and other services are not covered. Other diagnostic dental services are offered as an optional supplemental benefit.
Home Infusion bundled Services See details
Home Infusion bundled Services includes coverage for Medicare Part B Insulin Drugs with a $35 copay and 0% to 20% coinsurance, as well as Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0% to 20% coinsurance. Home Infusion bundled Services requires prior authorization.
Dialysis Services See details
Dialysis Services are covered with a doctor referral and prior authorization required. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetic Devices with 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, lab services, and all radiological services. Diagnostic Procedures/Tests and Lab Services have no copay, while Therapeutic Radiological Services have a 20% coinsurance, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization and a doctor referral are required for the covered services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, with a $0 copay for days 1-20 and a $100 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The AARP Medicare Advantage Giveback from UHC CA-20 (HMO-POS) plan covers acupuncture with no copay, and covers over-the-counter items with no copay. Other services such as meal benefits, and others are not covered.
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