AARP Medicare Advantage from UHC CA-0024 (PPO)
UnitedHealthcare · PPO · 2026 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $120
- Highest of 7 plans here
- Most you pay in a year for covered care in network
- $6,700
- Higher than most plans here
- Drug deductible
- $600
- Medicare star rating
- 3.5 of 5
In plain English
Compared with the 6 other plans in Santa Barbara County that the same person could join.
Watch out for
- $120 monthly premium, highest of 7 plans here
- Up to $6,700 a year for covered care, higher than most plans here
- $2,750 for a 5-day hospital stay, highest of 7 plans here
- No dental extra, though most plans here have one
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$1,440$1,440 in premiums + $0 for careHighest of 7 plans here2 checkups and 2 lab tests.
- A busier year$1,700$1,440 in premiums + $260 for careHighest of 7 plans here4 checkups, 4 specialist visits, 4 lab tests, 1 X-ray and 1 urgent care visit.Uses the highest listed cost for: Specialist visit, Urgent care.
- A hard year$5,670$1,440 in premiums + $4,230 for careHighest of 7 plans here6 checkups, 12 specialist visits, 6 lab tests, 2 scans, an ambulance ride, an ER visit and a 5-day hospital stay.Uses the highest listed cost for: Specialist visit, MRI, CT and other scans.
The visit counts are examples we chose to show how costs add up, not a prediction. Your costs depend on the care you get.
What you pay for care
Your cost each time, at doctors and hospitals in the plan’s network.
- Primary care visit$0
- Specialist visit$0 to $45Depends on the servicePlan approval may be needed
- Urgent care$0 to $50Depends on the service
- Emergency room$130Not charged if you stay in the hospital within 24 hours
- Hospital stay$550 a day for days 1 to 5, then $0 for days 6 to 90Highest of 7 plans herePlan approval may be needed
- Lab tests$0Plan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$0 to $500Depends on the servicePlan approval may be needed
- Outpatient hospital care$0 to $550Depends on the service
- X-rays$30Higher than most plans herePlan approval may be needed
- MRI, CT and other scans$0 to $260Depends on the servicePlan approval may be needed
- Ground ambulance$290Higher than most plans herePlan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $218 a day for days 21 to 100Plan approval may be needed
From the costs the plan filed with Medicare for 2026. A range like “$0 to $100” means the cost depends on the service or the place. “Lower than most” compares this plan with the 6 other plans in Santa Barbara County that the same person could join. Read the plan’s 2026 booklet (PDF)
What medicines cost
| Drug tier | Network pharmacy |
|---|---|
| 1Preferred Generic | $0 |
| 2Generic | $12 |
| 3Preferred BrandAfter the deductible | 16% of the price |
| 4Non-Preferred DrugAfter the deductible | 32% of the price |
| 5Specialty TierAfter the deductible | 26% of the price |
For a 1-month supply. The $600 drug deductible applies only to the tiers marked. Covered insulin costs at most $35 for a month’s supply. Your medicine’s tier is on the plan’s drug list; check it below.
Check my medicines
See if this plan covers each medicine you take in 2026, and what a month costs.
Type the name on the bottle. Add the strength to narrow it down.
Add each medicine once. We’ll show if this plan covers it, what a month costs, and any rules.
Extras
Help Original Medicare doesn’t give you.
- Dental Not included
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $150 every two years.
- Hearing IncludedHearing test: $0. Hearing aids covered.
- Over-the-counter items Not included
- Fitness IncludedIncludes gym or fitness classes and memory fitness.
- Rides to care Not included
Is my doctor in this plan?
Look up your doctors, then confirm with their office.
Call each doctor’s office and ask:
“Do you take AARP Medicare Advantage from UHC CA-0024 (PPO), plan number H0294-032, for 2026?”