Choosing the right Medicare plan in Los Angeles shouldn’t feel like a gamble — especially with so many new updates coming in 2026. From $0 premiums to changing provider networks, 2026 UnitedHealthcare Medicare Advantage Los Angeles plans bring both strong benefits and new challenges for seniors across the county. Knowing how these updates affect your doctors, hospitals, and out-of-pocket costs is key to making the right decision this Open Enrollment.
Skyline Benefit is an independent Medicare insurance broker helping Los Angeles seniors compare 2026 Medicare Advantage plans, confirm provider access, and enroll confidently — all at no extra cost.
What Makes UnitedHealthcare Medicare Advantage Plans Stand Out in 2026?
UnitedHealthcare remains one of the most popular choices for Los Angeles seniors — and for good reason. In 2026, the carrier keeps its $0 premium HMO plans available across most ZIP codes, alongside richer PPO options for those who want more flexibility.
Key 2026 highlights include:
- Stable premiums: Most LA-area HMO plans remain at $0 monthly cost.
- Expanded UCard benefits: Members can use UCard for OTC items, fitness programs, and even utilities in select areas.
- Low out-of-pocket protection: MOOPs (maximum out-of-pocket limits) average around $4,400–$4,900 for HMO and $7,550 for PPO plans.
- Robust pharmacy coverage: Tier 1 generics start at $0, with mail-order discounts available on 90-day supplies.
How Much Will 2026 UnitedHealthcare Medicare Advantage Plans Cost in Los Angeles?
Most 2026 UnitedHealthcare Medicare Advantage Los Angeles plans keep their monthly premiums at $0, but that doesn’t mean $0 cost overall.
Breakdown by plan type:
- CA-004P (HMO-POS, Los Angeles): $0 premium, $0 medical deductible, $0 primary and specialist visits (referral required), ~$4,500 MOOP.
- CA-37 (HMO-POS, UCLA focus): $0 premium, $0 medical deductible, $0 PCP, $40 specialist copay, $4,900 MOOP.
- CA-005P (PPO): Around $35–$55 monthly premium, $0 preventive visits, and flexibility to see out-of-network providers (at higher cost-share).
What Doctors and Hospitals Are in UnitedHealthcare’s Los Angeles Network?
Los Angeles members can access a wide network, including UCLA Health, Facey Medical Group, Axminster Medical Group, and Torrance Memorial, among others.
However, there’s one major 2026 change: Providence hospitals and affiliated medical groups (like St. Jude and St. Joseph Heritage) will no longer be part of the UHC Medicare Advantage network after December 31, 2025.
If you currently see Providence doctors, you’ll need to switch to a plan that still contracts with them or choose new in-network providers before your 2026 coverage begins.
What Extra Benefits Do 2026 UnitedHealthcare Medicare Advantage Plans Include?
UHC continues to enhance its supplemental benefits, especially for preventive and lifestyle care. Most plans include:
- Comprehensive dental coverage (cleanings, X-rays, dentures, and partials)
- $0 vision exams + eyewear allowance
- Hearing exams and discounted hearing aids
- OTC benefit card (quarterly allowance for health essentials)
- SilverSneakers & Renew Active fitness programs
- UCard for managing all benefits and rewards in one place
I Already Re-Enrolled for 2026 — What Are My Options?
If you’ve already renewed your UnitedHealthcare plan for 2026 but your doctor or hospital is affected by the Providence exit, you’re not stuck.
You can:
- Change plans during Medicare Annual Enrollment (Oct 15 – Dec 7, 2025)
- Or, if you missed that window, switch again during Medicare Advantage Open Enrollment (Jan 1 – Mar 31, 2026)
This gives Los Angeles members two full chances to protect their provider access and find the best-fit coverage.
How Skyline Benefit Can Help Los Angeles Seniors
As an independent Medicare broker, Skyline Benefit works with all major carriers in California, including UnitedHealthcare, SCAN, Anthem, Blue Shield, and Aetna.
We’ll:
- Review your current coverage and provider network
- Compare 2026 UnitedHealthcare plans side-by-side
- Help you stay with your preferred doctors or switch plans seamlessly
We handle the research — you make the confident choice.
Need Help Choosing a 2026 UnitedHealthcare Medicare Advantage Plan in Los Angeles?
Skyline Benefit is an independent Medicare insurance broker. We’ll confirm your doctors, prescriptions, and costs under UnitedHealthcare’s 2026 Medicare Advantage options — and compare them with other carriers at no extra cost.
Call us at: (714) 888-5112