UnitedHealthcare, in partnership with AARP, is the largest Medicare Advantage provider nationally. With HMO and PPO options, UHC offers the widest geographic availability and the most flexibility for seniors who travel or split time between regions.
For 2026, UnitedHealthcare (AARP) has earned a 4 out of 5 star CMS rating. Plans are available as HMO, PPO, HMO-POS, D-SNP with monthly premiums from $0–$75 and annual out-of-pocket maximums between $4,500–$7,550. Some plans offer a Part B Giveback of Up to $120/mo, reducing your monthly Social Security deduction.
To find out if UnitedHealthcare (AARP) is the right plan for you, call All Seniors Foundation at (818) 581-4101 for a free comparison against every carrier in your county.
UnitedHealthcare (AARP) at a Glance — 2026
| Detail | UnitedHealthcare (AARP) |
|---|---|
| CMS Star Rating | 4 / 5 |
| Plan Types | HMO, PPO, HMO-POS, D-SNP |
| Monthly Premium | $0–$75 |
| Annual OOP Max | $4,500–$7,550 |
| Part B Giveback | Up to $120/mo |
| Dental | Comprehensive |
| Vision | Comprehensive |
| Hearing | Comprehensive |
| Fitness | Renew Active |
| Counties | Los Angeles, Orange, Riverside, San Bernardino, San Diego, Sacramento, Alameda, Santa Clara, San Francisco, Contra Costa, Ventura, Kern, Fresno, San Joaquin, Tulare |
Benefits Beyond Original Medicare
UnitedHealthcare (AARP) plans include supplemental benefits that Original Medicare does not cover:
- Dental — Comprehensive coverage including preventive and restorative services
- Vision — Comprehensive coverage with annual eye exams and eyewear
- Hearing — Comprehensive coverage including hearing exams and hearing aids
- Fitness — Renew Active program at no extra cost
- Prescription Drugs — Part D coverage with the Inflation Reduction Act $2,000 annual cap and $35/month insulin cap
- Transportation — Rides to medical appointments
- Telehealth — Virtual doctor visits from home
For a full comparison of supplemental benefits across carriers, see our dental, vision, and hearing benefits guide.
Find out if UnitedHealthcare (AARP) covers your doctors and medications: (818) 581-4101 — free, no obligation, licensed in California.
Who Is UnitedHealthcare (AARP) Best For?
UnitedHealthcare (AARP) is a strong choice for seniors who value this carrier’s specific strengths. However, the best plan depends on your doctors, medications, and preferences. The best way to decide is to call for a free plan comparison.
If you need PPO flexibility or a Part B Giveback benefit, other carriers may be a better fit. If you have both Medicare and Medi-Cal, ask us about D-SNP and PACE program options.
Counties Served
UnitedHealthcare (AARP) is available in: Los Angeles, Orange, Riverside, San Bernardino, San Diego, Sacramento, Alameda, Santa Clara, San Francisco, Contra Costa, Ventura, Kern, Fresno, San Joaquin, Tulare.
See our county pages: Los Angeles, Orange County, San Diego, Sacramento, San Francisco, Alameda, Fresno.
How to Enroll
Enroll during your Initial Enrollment Period, the Annual Enrollment Period (Oct 15 – Dec 7), the Open Enrollment Period (Jan 1 – Mar 31), or a Special Enrollment Period. Call (818) 581-4101 and we handle everything.
Frequently Asked Questions
How much does UnitedHealthcare (AARP) cost?
Premiums range from $0–$75. Many plans have $0 premiums. OOP max: $4,500–$7,550. You still pay Medicare Part B ($202.90/month in 2026).
Can I keep my doctor?
Depends on network participation. We can check your doctors across every plan — free.
Does UnitedHealthcare (AARP) cover dental?
Dental: Comprehensive. Vision: Comprehensive. Hearing: Comprehensive. See our full benefits comparison.