UHC Sharp Complete Care CA-15P (HMO-POS C-SNP)
UnitedHealthcare · HMO-POS C-SNP · 2027 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
- $4,450
- Drug deductible
- $355
- Lower than most plans here
- Medicare star rating
- No rating yet
This is a special needs plan. Only some people can join: Chronic or Disabling Condition.
In plain English
Compared with the 31 other plans in San Diego County that the same person could join.
What stands out
- No monthly premium
- $355 drug deductible, lower than most plans here
- Dental, vision and hearing extras included
Watch out for
- $1,475 for a 5-day hospital stay, higher than most plans here
- $150 for the emergency room, tied for highest here
- You need a referral to see a specialist
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$175$0 in premiums + $175 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$2,745$0 in premiums + $2,745 for careHighest of 32 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 $25Depends on the serviceReferral neededPlan approval may be needed
- Urgent care$0 to $65Depends on the service
- Emergency room$150Tied for highest hereNot charged if you stay in the hospital within 24 hours
- Hospital stay$295 a day for days 1 to 7, then $0 for days 8 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 $245Depends on the serviceReferral neededPlan approval may be needed
- Outpatient hospital care$0 to $295Depends on the service
- X-rays$10Higher than most plans hereReferral neededPlan approval may be needed
- MRI, CT and other scans$0 to $285Depends on the serviceReferral neededPlan approval may be needed
- Ground ambulance$250Highest of 14 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 31 other plans in San Diego 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 | $0 |
| 3Preferred BrandAfter the deductible | 22% of the price |
| 4Non-Preferred DrugAfter the deductible | 35% of the price |
| 5Specialty TierAfter the deductible | 29% of the price |
For a 1-month supply. The $355 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 $1,000 a year, both ears.
- Over-the-counter items IncludedCovered for things like vitamins, pain relief and bandages.
- Fitness IncludedIncludes gym or fitness classes.
- Rides to care Included24 one-way rides to medical visits a year.
What changed from 2026
In 2026 this plan was called UHC Complete Care CA-15P (HMO-POS C-SNP).
- Most you pay in a year2026$2,9002027$4,450
- Specialist visit2026$02027$0 to $25
- Urgent care2026$0 to $302027$0 to $65
- Hospital stay2026$225 a day for days 1 to 7, then $0 for days 8 to 902027$295 a day for days 1 to 7, then $0 for days 8 to 90
- Outpatient surgery center2026$0 to $1002027$0 to $245
- Outpatient hospital care2026$0 to $1002027$0 to $295
- MRI, CT and other scans2026$0 to $952027$0 to $285
- Ground ambulance2026$2752027$250
- 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
- Vision2026Yearly eye exam: $0. Glasses or contacts covered. Eyewear: plan pays up to $300 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 $1,000 a year, both ears
- 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 UHC Sharp Complete Care CA-15P (HMO-POS C-SNP), plan number H0543-214, for 2027?”