AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS)
UnitedHealthcare · HMO-POS · 2026 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $0
- Most you pay in a year for covered care in network
- $4,900
- Higher than most plans here
- Drug coverage
- Not included
- You would need a separate drug plan
- Medicare star rating
- 4 of 5
In plain English
Compared with the 55 other plans in Riverside County that the same person could join.
What stands out
- No monthly premium
- Dental, vision and hearing extras included
Watch out for
- Up to $4,900 a year for covered care, higher than most plans here
- $975 for a 5-day hospital stay, higher than most plans here
- You need a referral to see a specialist
- Does not include drug coverage
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$0$0 in premiums + $0 for care2 checkups and 2 lab tests.
- A busier year$110$0 in premiums + $110 for careHigher than most 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$2,095$0 in premiums + $2,095 for careHigher than most 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 $15Depends on the serviceReferral neededPlan 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$195 a day for days 1 to 5, then $0 for days 6 to 90Higher than most plans hereReferral neededPlan approval may be needed
- Lab tests$0Referral neededPlan approval may be needed
More care: surgery, X-rays, scans, ambulance, nursing home
- Outpatient surgery center$0 to $145Depends on the serviceReferral neededPlan approval may be needed
- Outpatient hospital care$0 to $195Depends on the service
- X-rays$0Referral neededPlan approval may be needed
- MRI, CT and other scans$0 to $260Depends on the serviceReferral neededPlan 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 100Referral neededPlan 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 55 other plans in Riverside County that the same person could join. Read the plan’s 2026 booklet (PDF)
Extras
Help Original Medicare doesn’t give you.
- Dental IncludedFillings, crowns and dentures: optional add-on you can buy.
- 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 Patriot No Rx CA-MA01 (HMO-POS), plan number H0543-121, for 2026?”