Fitness Benefit
Physical Fitness; Memory Fitness
No copayMandatory
IncludedAARP Medicare Advantage from UHC CA-10 (HMO-POS)
UnitedHealthcare
HMO-POSSanta Clara CountyIncludes Part DPlan year 2026
$0/momonthly premium
$3,500most you pay in-network per year
4overall CMS star rating
2,714members enrolled, January 2026
Plan-level limits
Premium, deductibles, and the most you can pay out of pocket in a year.
In-network out-of-pocket maximum$3,500
Plan premium, per month$0
What a year on this plan would likely cost
What you pay for care
In-network costs for every service in this plan's CMS benefit filing. A copay is a fixed dollar amount; coinsurance is a percentage of the bill.
Hospital stays
Inpatient hospital stay
Days 1–5$195 per day
Days 6–90$0 per day
Inpatient psychiatric stay
Days 1–5$195 per day
Days 6–90$0 per day
Skilled nursing facility stay
Days 1–20$0 per day
Days 21–100$218 per day
Doctor visits
Primary care visit
$0
You pay nothing
Specialist visit
$0
You pay nothing
Telehealth visit
$0
You pay nothing
Other health care professional
$0
You pay nothing
Chiropractic care (Medicare-covered)
$0
You pay nothing
Podiatry (Medicare-covered)
$0
You pay nothing
Routine foot care
$0
You pay nothing
Emergency and urgent care
Emergency room visit
$150
Copay
Urgent care visit
$0–$65
Copay, depends on the service
Emergency care outside the U.S.
$0
You pay nothing
Urgent care outside the U.S.
$0
You pay nothing
Emergency transportation outside the U.S.
$0
You pay nothing
Mental health and substance use
Individual therapy session
$0–$25
Copay, depends on the service
Group therapy session
$15
Copay
Opioid treatment program
$0
You pay nothing
Partial hospitalization program
$55
Copay
Referral required
Prior authorization required
Therapy and rehabilitation
Occupational therapy
$0
You pay nothing
Physical and speech therapy
$0
You pay nothing
Cardiac rehabilitation
$0
You pay nothing
Intensive cardiac rehabilitation
$0
You pay nothing
Pulmonary rehabilitation
$0
You pay nothing
Supervised exercise therapy for peripheral artery disease
$0
You pay nothing
Tests, labs and imaging
Lab services
$0
You pay nothing
Diagnostic tests
$25
Copay
Diagnostic procedures
$30
Copay
Diagnostic radiology (MRI, CT, PET)
$0–$260
Copay, depends on the service
Therapeutic radiology
20%
Coinsurance — your share of the bill
Outpatient hospital and surgery
Outpatient hospital services
$0–$195
Copay, depends on the service
Ambulatory surgical center
$0–$125
Copay, depends on the service
Observation services
$195
Copay
Blood services
$0
You pay nothing
Home health care
Home health visit
$0
You pay nothing
Ambulance
Ground ambulance
$120
Copay
Air ambulance
$120
Copay
Medical equipment and supplies
Durable medical equipment
20%
Coinsurance — your share of the bill
Medical supplies
20%
Coinsurance — your share of the bill
Prosthetic devices
20%
Coinsurance — your share of the bill
Dialysis
Dialysis
20%
Coinsurance — your share of the bill
Part B drugs
Part B drugs
0–20%
Coinsurance, depends on the service
Chemotherapy drugs
0–20%
Coinsurance, depends on the service
Part B insulin
0–20%
Coinsurance, depends on the service
Never more than $35 for a one-month supply
Preventive and wellness
Barium enema
$0
You pay nothing
Bathroom safety devices
$0
You pay nothing
Diabetes screening
$0
You pay nothing
Digital rectal exam
$0
You pay nothing
Electrocardiogram (EKG)
$0
You pay nothing
Fitness (health club membership)
$0
You pay nothing
Glaucoma screening
$0
You pay nothing
Vision
Eye exam (Medicare-covered)
$0
You pay nothing
Routine eye exam
$0
You pay nothing
Eyewear after cataract surgery (Medicare-covered)
$0
You pay nothing
Eyeglass lenses
$0–$153
Copay, depends on the service
Eyeglass frames
$0
You pay nothing
Contact lenses
$0
You pay nothing
Eyewear allowance
Up to $150 every two years
Allowance
Hearing
Hearing exam (Medicare-covered)
$0
You pay nothing
Routine hearing exam
$0
You pay nothing
Prescription hearing aids
$199–$1,249
Copay, depends on the service
Over-the-counter hearing aids
$199–$829
Copay, depends on the service
Extra benefits
Over-the-counter items
$0
You pay nothing
Extra benefits beyond Original Medicare
Supplemental benefits this plan filed with CMS, with the cap and period exactly as filed.
Home and Bathroom Safety Devices and Modifications
No copayMandatory
IncludedNot offered by this plan
Health EducationIn-Home Safety AssessmentPersonal Emergency Response System (PERS)Medical Nutrition Therapy (MNT)Post discharge In-Home Medication ReconciliationRe-admission PreventionWigs for Hair Loss Related to ChemotherapyWeight Management ProgramsAlternative TherapiesTherapeutic MassageAdult Day Health ServicesNutritional/Dietary BenefitHome-Based Palliative CareIn-Home Support ServicesSupport for Caregivers of EnrolleesAdditional Sessions of Smoking and Tobacco Cessation CounselingEnhanced Disease ManagementTelemonitoring ServicesRemote Access Technologies (including Web/Phone-based technologies and Nursing Hotline)Counseling Services
Dental
$1250 every year allowance, shared by preventive and comprehensive services. No dental deductible.
Preventive
Oral examsNo copay
CleaningsNo copay
X-raysNo copay
Fluoride treatmentNo copay
Other diagnostic servicesNo copay
Other preventive servicesNo copay
Comprehensive
Restorative (fillings)No copay, prior authorization
Endodontics (root canals)No copay, prior authorization
Periodontics (gum treatment)No copay, prior authorization
Oral surgeryNo copay, prior authorization
Fixed prosthodontics (crowns, bridges)Mandatory, prior authorization
Removable prosthodontics (dentures)Mandatory, prior authorization
Adjunctive general servicesNo copay, prior authorization
Medicare-covered dental services: $0 copay.
Prescription drugs (Part D)
$440 annual drug deductible · 5 formulary tiers · mail order available. Costs shown for a 30-day supply.
Before the deductible
| Tier | Preferred retail | Standard retail | Mail order | Insulin | Deductible |
|---|---|---|---|---|---|
| 1. Preferred Generic | — | No copay | — | — | Waived |
| 2. Generic | — | $8 copay | — | — | Waived |
Initial coverage
| Tier | Preferred retail | Standard retail | Mail order | Insulin | Deductible |
|---|---|---|---|---|---|
| 1. Preferred Generic | — | No copay | — | — | Waived |
| 2. Generic | — | $8 copay | — | — | Waived |
| 3. Preferred Brand | — | 19% coinsurance | — | — | Applies |
| 4. Non-Preferred Drug | — | 32% coinsurance | 32% coinsurance | — | Applies |
| 5. Specialty Tier specialty | — | 28% coinsurance | 28% coinsurance | — | Applies |
Catastrophic (after the out-of-pocket threshold)
| Tier | Preferred retail | Standard retail | Mail order | Insulin | Deductible |
|---|---|---|---|---|---|
| 1. Preferred Generic | No copay | No copay | No copay | — | Waived |
| 2. Generic | No copay | No copay | No copay | — | Waived |
| 3. Preferred Brand | No copay | No copay | No copay | — | Applies |
| 4. Non-Preferred Drug | No copay | No copay | No copay | — | Applies |
| 5. Specialty Tier specialty | No copay | No copay | No copay | — | Applies |
Out-of-pocket threshold for the catastrophic phase: $2,100.
Is my medicine on this plan’s list?
Pharmacies near you in this plan's network
From the plan's filed Part D pharmacy network, matched to geocoded pharmacy locations. Preferred pharmacies come first: they carry the lower copay column in the tier table above. The ZIP you enter stays in this browser.
CMS star ratings
Star ratings are set by CMS for the whole contract, so every plan under this contract shares them.
4 out of 5Overall rating
4 out of 5Health services (Part C)
4.5 out of 5Drug plan (Part D)
Staying healthy: screenings, tests and vaccines
4- Annual flu vaccine3
- Breast cancer screening4
- Colorectal cancer screening4
- Monitoring physical activity4
- Improving or maintaining mental health4
- Improving or maintaining physical health2
Managing chronic (long-term) conditions
4- Readmissions2
- Kidney health5
- Blood pressure4
- Reducing falls3
- Statin therapy3
- Pain assessment5
- Bladder control3
- Medication review5
- Diabetes eye exam5
- Transitions of care2
- Diabetes blood sugar4
- Osteoporosis management4
- Followup after emergency department visit2
- Medication reconciliation4
- Special needs plan SNP care management4
Member experience with the health plan
3- Customer service3
- Care coordination1
- Healthcare quality4
- Health plan rating4
- Getting needed care4
- Getting appointments4
Member complaints and changes in the plan's performance
4- Complaints4
- Members leaving4
- Quality improvement5
Health plan customer service
5- Call center5
- Timely decisions5
- Appeals decisions4
Drug plan customer service
5- Call center foreign language interpreter and TTY availability5
Drug plan complaints and changes
4- Complaints4
- Members leaving4
- Quality improvement5
Member experience with the drug plan
4- Drug plan rating4
- Prescription drugs4
Drug safety and accuracy of drug pricing
4- Price accuracy5
- Statin diabetes4
- Medication therapy management comprehensive medication review completion4
- Medication adherence for diabetes medications3
- Medication adherence for hypertension RAS antagonists s4
- Medication adherence for cholesterol statins4
Service area and network
Sold in 1 California county.
Santa Clara
Doctor directory
1,013 providers are named in UnitedHealthcare’s directory for this plan, dated Jun 10, 2026.
A doctor named there is listed. A doctor missing from it is unknown, never out of network: carrier directories are partial and change monthly. Open the carrier directory
Contract with Medicare sinceJun 1, 1985
Medicare Advantage regionCalifornia
Ask about this plan
A question box grounded in this plan's filed benefits, drug list, and pharmacy network. It reads the same records shown on this page and says so when something is not filed.
Answers come from this plan’s filed benefits, drug list, and pharmacy network. They are not enrollment advice; the Evidence of Coverage is the final word.