AARP Medicare Advantage from UHC CA-9 (HMO-POS)
UnitedHealthcare · HMO-POS · 2027 coverage
The big numbers
The plan premium is on top of your Part B premium.
- Monthly premium
- $71
- Higher than most plans here
- Most you pay in a year for covered care in network
- $5,900
- 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 24 other plans in San Francisco County that the same person could join.
What stands out
- Dental, vision and hearing extras included
Watch out for
- $71 monthly premium, higher than most plans here
- Up to $5,900 a year for covered care, higher than most plans here
- $2,750 for a 5-day hospital stay, highest of 24 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$852$852 in premiums + $0 for careHigher than most plans here2 checkups and 2 lab tests.
- A busier year$1,072$852 in premiums + $220 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$5,082$852 in premiums + $4,230 for careHighest of 25 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 $35Depends 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$550 a day for days 1 to 5, then $0 for days 6 to 90Highest of 24 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 $500Depends on the serviceReferral neededPlan approval may be needed
- Outpatient hospital care$0 to $550Depends on the service
- X-rays$30Tied for highest hereReferral neededPlan approval may be needed
- MRI, CT and other scans$0 to $320Depends 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 $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 24 other plans in San Francisco 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 $200 every two years.
- Hearing IncludedHearing test: $0. Hearing aids covered.Hearing aids: plan pays up to $700 a year, both ears.
- Over-the-counter items Not included
- Fitness IncludedIncludes gym or fitness classes.
- Rides to care Not included
What changed from 2026
- Monthly premium2026$69 a month2027$71 a month
- Most you pay in a year2026$4,9002027$5,900
- Drug deductible2026$4402027$685
- Specialist visit2026$0 to $252027$0 to $35
- MRI, CT and other scans2026$0 to $2602027$0 to $320
- 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
- Dental2026Cleanings and exams: $0. Fillings, crowns and dentures: you pay 50%. Cleanings and exams: plan pays up to $1,000 a year. Plan pays up to $1,000 a year for all dental2027Cleanings and exams: $0
- Vision2026Yearly eye exam: $0. Glasses or contacts covered. Eyewear: plan pays up to $150 every two years2027Yearly eye exam: $0. Glasses or contacts covered. Eyewear: plan pays up to $200 every two years
- Hearing2026Hearing test: $0. Hearing aids covered2027Hearing test: $0. Hearing aids covered. Hearing aids: plan pays up to $700 a year, both ears
- Over-the-counter items2026Covered for things like vitamins, pain relief and bandages2027Not covered
- Fitness2026Includes gym or fitness classes and memory fitness2027Includes gym or fitness classes
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-9 (HMO-POS), plan number H0543-191, for 2027?”