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AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx CA-MA2 (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 Patriot No Rx CA-MA2 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in San Diego County. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx CA-MA2 (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 Patriot No Rx CA-MA2 (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 $25.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $4900.00 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 Patriot No Rx CA-MA2 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, preventive care, and home health services. For inpatient hospital stays, members pay a $195 daily copay for the first five days and no copay for days 6 through 90, with no coinsurance required. Emergency room visits carry a $130 copay that is waived if admitted within 24 hours, while urgent care ranges from no copay to $50. Routine eye exams, lab services, and outpatient X-rays are covered with no copay and no coinsurance, while Medicare-covered dental services require no copay and a 20% coinsurance. Hearing aids are available with copays ranging from $199 to $1,249, and durable medical equipment features a 20% coinsurance with no copay. Specialized needs such as dialysis and therapeutic radiology carry a 20% coinsurance, while alternative treatments like acupuncture are covered with no copay for up to 12 visits per year.
Inpatient Hospital See details
Inpatient hospital care is partially covered by AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS), requiring a $195 daily copay for days 1 through 5, no copay for days 6 through 90, and no coinsurance. Prior authorization and doctor referrals are required, while upgrades, non-Medicare-covered stays, and additional days for psychiatric stays are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) covers outpatient services with no coinsurance. Copays range from $0 to $195 for outpatient hospital services, $195 daily for observation services, and $0 to $25 for outpatient substance abuse sessions, with no copay for ambulatory surgical center and blood services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) plan with a $55.00 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 AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS), as transportation services to plan-approved or any health-related locations are not covered. Ground and air ambulance services are covered under the plan with a $290 copay and no coinsurance, though prior authorization is required.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature no coinsurance and a copay ranging from no copay to $50, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary Care benefits are partially covered by AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS), as podiatry services are not covered. Covered services like primary care visits, chiropractic care, and telehealth have no copay, while other services such as specialist visits, mental health, and physical therapy require copays ranging from $0 to $25. There is no coinsurance for any of these covered services.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) plan, featuring no copay and no coinsurance for covered services like annual physicals, fitness benefits, and kidney disease education. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, bathroom safety, and counseling.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) offers partially covered hearing services, including one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two OTC hearing aids with a $199 to $829 copay and no coinsurance, and up to two prescription hearing aids with a $199 to $1,249 copay and no coinsurance, but inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS), which offers no copay and no coinsurance for yearly routine eye exams, contact lenses, and eyeglass frames. Eyeglass lenses have a copay of $0 to $153 and no coinsurance under a combined $150 eyewear allowance every two years, while upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS), with Medicare-covered dental services requiring no copay and a 20% coinsurance. While many advanced procedures are offered as optional supplemental benefits for an additional fee, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) covers home infusion bundled services with prior authorization, requiring no copay and no coinsurance to 20% coinsurance for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a doctor referral are required to receive these covered services.
Medical Equipment See details
Medical Equipment benefits are covered under the AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) plan, featuring a 20% coinsurance and no copay for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay and no coinsurance, though prior authorization is required for most of these medical equipment categories.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) with no copay or coinsurance for lab services, outpatient X-rays, and diagnostic tests. Diagnostic radiological services require a copay of $0 to $260, while therapeutic radiological services carry a 20% coinsurance, with both categories requiring prior authorization and a doctor referral.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) covers Home Health Services 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 are not covered under the AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) plan, as all individual sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS), featuring no coinsurance, no copay for days 1 through 20, and a $218 daily copay for days 21 through 100. Prior authorization and a doctor referral are required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) partially covers other services, offering acupuncture with no copay and no coinsurance for up to 12 treatments per year. Over-the-counter (OTC) items, meal benefits, and highly integrated Dual Eligible SNP services are not covered.
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