AARP Medicare Advantage from UHC CA-0010 (HMO-POS)
UnitedHealthcare · HMO-POS · 2027 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $99
- Highest of 8 plans here
- Most you pay in a year for covered care in network
- $7,150
- Higher than most plans here
- Drug deductible
- $685
- Higher than most plans here
- Medicare star rating
- No rating yet
In plain English
Compared with the 7 other plans in Merced County that the same person could join.
What stands out
- Dental, vision and hearing extras included
Watch out for
- $99 monthly premium, highest of 8 plans here
- Up to $7,150 a year for covered care, higher than most plans here
- $2,620 for a 5-day hospital stay, highest of 7 plans here
- $685 drug deductible, higher than most plans here
What a year could cost
Premiums plus the plan’s copays for three example years. Medicines are not included.
- A light year$1,188$1,188 in premiums + $0 for careHighest of 8 plans here2 checkups and 2 lab tests.
- A busier year$1,508$1,188 in premiums + $320 for careHighest of 8 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$5,648$1,188 in premiums + $4,460 for careHighest of 8 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 $60Depends 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$655 a day for days 1 to 4, then $0 for days 5 to 90Highest of 7 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 $605Depends on the serviceReferral neededPlan approval may be needed
- Outpatient hospital care$0 to $655Depends on the service
- X-rays$30Highest of 8 plans hereReferral neededPlan approval may be needed
- MRI, CT and other scans$0 to $320Depends on the serviceReferral neededPlan approval may be needed
- Ground ambulance$350Highest of 7 plans herePlan approval may be needed
- Skilled nursing facility$0 for days 1 to 20, then $221 a day for days 21 to 100Referral neededPlan approval may be needed
From the costs the plan filed with Medicare for 2027. A range like “$0 to $100” means the cost depends on the service or the place. “Lower than most” compares this plan with the 7 other plans in Merced County that the same person could join. Read the plan’s 2027 booklet (PDF)
What medicines cost
| Drug tier | Network pharmacy |
|---|---|
| 1Preferred Generic | $0 |
| 2Generic | $8 |
| 3Preferred BrandAfter the deductible | 20% of the price |
| 4Non-Preferred DrugAfter the deductible | 27% of the price |
| 5Specialty TierAfter the deductible | 26% of the price |
For a 1-month supply. The $685 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 2027, 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 IncludedCleanings and exams: $0.
- Vision IncludedYearly eye exam: $0. Glasses or contacts covered.Eyewear: plan pays up to $250 every two years.
- Hearing IncludedHearing test: $0. Hearing aids covered.Hearing aids: plan pays up to $1,000 a year, both ears.
- Over-the-counter items IncludedCovered for things like vitamins, pain relief and bandages.
- Fitness Not included
- Rides to care Not included
What changed from 2026
- Monthly premium2026$89 a month2027$99 a month
- Most you pay in a year2026$6,7002027$7,150
- Drug deductible2026$6002027$685
- Specialist visit2026$0 to $502027$0 to $60
- Hospital stay2026$550 a day for days 1 to 5, then $0 for days 6 to 902027$655 a day for days 1 to 4, then $0 for days 5 to 90
- Outpatient surgery center2026$0 to $5002027$0 to $605
- Outpatient hospital care2026$0 to $5502027$0 to $655
- MRI, CT and other scans2026$0 to $2602027$0 to $320
- Ground ambulance2026$2902027$350
- Skilled nursing facility2026$0 for days 1 to 20, then $218 a day for days 21 to 1002027$0 for days 1 to 20, then $221 a day for days 21 to 100
- Dental2026Fillings, crowns and dentures: optional add-on you can buy2027Cleanings and exams: $0
- Vision2026Yearly eye exam: $02027Yearly eye exam: $0. Glasses or contacts covered. Eyewear: plan pays up to $250 every two years
- Hearing2026Hearing test: $0. Hearing aids covered2027Hearing test: $0. Hearing aids covered. Hearing aids: plan pays up to $1,000 a year, both ears
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-0010 (HMO-POS), plan number H0543-140, for 2027?”