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AARP Medicare Advantage Giveback from UHC CA-21 (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-21 (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-21 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC CA-21 (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 Giveback from UHC CA-21 (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-21 (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-21 (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:
Sign up for AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) plan features an Enhanced Alternative drug benefit with a $520.00 annual prescription drug deductible. After meeting this deductible, you will pay a $14.00 copay for Tier 1 preferred generics, 18% coinsurance for Tier 2 standard generics, and 27% coinsurance for Tier 3 and Tier 4 drugs at standard pharmacies. These cost-sharing rates apply during the initial coverage phase until your total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs exceed $2,100.00, you enter the catastrophic coverage phase and will have no copay for covered Medicare Part D prescription drugs. Furthermore, individuals who qualify for the low-income subsidy, also known as Extra Help, will enjoy no premium costs for their Part D coverage.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care, specialist visits, inpatient hospital stays, and outpatient hospital services. Emergency care is available with a $150 copay, which is waived if you are admitted within 24 hours, while urgent care services feature a low copay ranging from no copay up to $20. Additionally, routine diagnostic labs, x-rays, and home health services are fully covered with no copays or coinsurance. For supplemental benefits, the plan provides routine vision exams, dental preventive care, and an annual routine hearing exam with no copay, though comprehensive dental services are not covered. Hearing aid coverage is available with copays starting at $199, and standard eyeglass lenses have a copay ranging from $0 to $153. Durable medical equipment, prosthetics, and dialysis services require a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS), which offers Medicare-covered acute and psychiatric stays with no copay or coinsurance. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) covers outpatient services, offering no copay and no coinsurance for outpatient hospital, observation, ambulatory surgical center, and blood services. Outpatient substance abuse services are also covered with no coinsurance, featuring a $15 copay for group sessions and a copay ranging from $0 to $25 for individual sessions.
Partial Hospitalization See details
AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a doctor referral are required to access this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) partially covers ambulance and transportation services, offering ground and air ambulance coverage with a $195 copay and no coinsurance. However, transportation services to plan-approved or any other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services are covered with no copay to a $20 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 Giveback from UHC CA-21 (HMO-POS) covers primary care, specialist visits, physical and occupational therapy, telehealth, and podiatry with no copay and no coinsurance. Mental health and psychiatric services are also covered with no coinsurance and copays ranging from $0 to $25 depending on the session type.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) with no copays and no coinsurance for annual physicals, kidney disease education, fitness benefits, glaucoma screenings, diabetes training, digital rectal exams, and EKGs. However, many supplemental benefits are not covered, 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, palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, remote access, home/bathroom safety, and counseling.
Hearing Services See details
AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) partially covers hearing services with no deductible or coinsurance, including one routine annual hearing exam with no copay. Prescription and OTC hearing aids are covered up to two per year with copays ranging from $199 to $1,249 and $199 to $829 respectively, although hearing aid fittings, evaluations, and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) partially covers vision services, featuring no copay or coinsurance for routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay with no coinsurance for eyeglass lenses. No deductible applies to these benefits, but upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) plan, offering preventive care and Medicare dental services with no copay and no coinsurance. However, comprehensive dental services—including restorative, endodontics, periodontics, prosthodontics, implants, and oral surgery—are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) covers home infusion bundled services with prior authorization. Under this plan, Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy 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-21 (HMO-POS) plan 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-21 (HMO-POS) covers medical equipment, with prior authorization required for most services. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts require a 20% coinsurance and no copay, while diabetic supplies are covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) with a doctor referral and prior authorization. Lab services, diagnostic tests, and outpatient X-rays feature no copay and no coinsurance, while diagnostic radiological services have a copay of up to $50 (no coinsurance) and therapeutic radiological services require a 20% coinsurance (no copay).
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) plan 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, including intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD), are not covered under the AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $100 daily copay for days 21 through 100. Prior authorization and a doctor referral are required, and additional days beyond Medicare-covered days are not covered.
Other Services See details
Other Services are partially covered by the AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) plan, featuring acupuncture coverage with no copay and no coinsurance for up to 20 treatments per year. Over-the-counter (OTC) items, meal benefits, and dual eligible SNPs with highly integrated services are not covered.
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