A non-government entity
AARP Medicare Advantage from UHC CA-44 (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-44 (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-44 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CA-44 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Los Angeles County. 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-44 (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-44 (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-44 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $55.00. 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:
Sign up for AARP Medicare Advantage from UHC CA-44 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC CA-44 (HMO-POS) prescription drug plan features an annual deductible of $355.00 and offers an Enhanced Alternative benefit type. During the initial coverage phase, members enjoy no copay for Tier 1 preferred generic drugs at standard pharmacies, while Tier 2 standard generics require a 17% coinsurance. Additionally, individuals qualifying for Extra Help can see their Part D premium reduced from $55.00 to $43.00. For higher-tier medications, Tier 3 preferred brands require a 40% coinsurance at standard pharmacies or via standard mail, and Tier 4 non-preferred drugs carry a 29% coinsurance. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Part D drugs.
Additional Benefits
The AARP Medicare Advantage from UHC CA-44 (HMO-POS) plan offers comprehensive coverage with no copays and no coinsurance for many essential services, including inpatient hospital stays, primary care visits, specialist consultations, and preventative care. Outpatient services, diagnostic lab tests, and home health care also feature no copays or coinsurance, helping to keep your out-of-pocket costs low. For emergency care, there is a $150 copay that is waived if you are admitted, while ground and air ambulance services require a $200 copay. Supplemental benefits include dental coverage with a $5,000 annual maximum, offering no copay for preventive care and a 50% coinsurance for comprehensive services. Routine vision and hearing exams are also available with no copay, alongside up to 48 one-way transportation trips per year with no copay or coinsurance. Prescription insulin under Medicare Part B is capped at a $35 copay, while durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CA-44 (HMO-POS) partially covers inpatient hospital benefits, offering Medicare-covered acute and psychiatric stays with no copay and no coinsurance. Non-Medicare-covered stays, acute care upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC CA-44 (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 $15 copay for group sessions and a copay ranging from no copay to $25 for individual sessions.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC CA-44 (HMO-POS) 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 covered by AARP Medicare Advantage from UHC CA-44 (HMO-POS) with a $200 copay and no coinsurance for ground and air ambulance rides. Transportation benefits are partially covered, providing up to 48 one-way trips per year to plan-approved locations with no copay and no coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC CA-44 (HMO-POS) with a $150 copay, which is waived if you are admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require no copay to a $20 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay or coinsurance.
Primary Care See details
Primary care benefits are covered by AARP Medicare Advantage from UHC CA-44 (HMO-POS) with no copay and no coinsurance for primary care visits, specialists, physical therapy, and telehealth. Routine chiropractic, podiatry, and occupational therapy also feature no copay, while mental health and psychiatric sessions require a copay of $0 to $25 with no coinsurance.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC CA-44 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, glaucoma screenings, and fitness benefits. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, and weight management programs.
Hearing Services See details
AARP Medicare Advantage from UHC CA-44 (HMO-POS) offers partially covered hearing services with no coinsurance. Routine hearing exams have no copay, and up to two OTC or general prescription hearing aids are covered annually with copays ranging from $199 to $1,249; however, hearing aid fittings, evaluations, and inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC CA-44 (HMO-POS) partially covers vision services, offering annual routine eye exams, contact lenses, and eyeglass frames with no copay and no coinsurance. Eyeglass lenses are covered with a $0 to $153 copay and no coinsurance up to a combined $300 eyewear allowance every two years, though upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC CA-44 (HMO-POS) provides partially covered dental services with an annual maximum benefit of $5,000. Preventive and diagnostic services are available with no copay and no coinsurance, while covered comprehensive services require a 50% coinsurance and no copay. Implant services and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered under AARP Medicare Advantage from UHC CA-44 (HMO-POS) and require prior authorization. Covered Medicare Part B insulin drugs have 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 AARP Medicare Advantage from UHC CA-44 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required to access this benefit.
Medical Equipment See details
Medical Equipment is covered by AARP Medicare Advantage from UHC CA-44 (HMO-POS), with durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes requiring a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC CA-44 (HMO-POS) covers diagnostic and radiological services with no copay or coinsurance for lab services, diagnostic tests, outpatient X-rays, and diagnostic radiology. Therapeutic radiological services require a 20% coinsurance, and all services require prior authorization and a doctor referral.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC CA-44 (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 AARP Medicare Advantage from UHC CA-44 (HMO-POS), meaning there is no coverage, copay, or coinsurance for these services. This non-coverage applies to all associated sub-services, including standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CA-44 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no copay for days 1 through 20, a $100 daily copay for days 21 through 100, and no coinsurance. Prior authorization and a doctor referral are required, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CA-44 (HMO-POS) provides partial coverage for Other Services, offering acupuncture and over-the-counter items with no copay and no coinsurance. Meal benefits and Dual Eligible SNPs with Highly Integrated Services are not covered under this plan.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved