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AARP Medicare Advantage from UHC AL-0001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC AL-0001 (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP Medicare Advantage from UHC AL-0001 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Alabama. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC AL-0001 (HMO-POS) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage from UHC AL-0001 (HMO-POS).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For AARP Medicare Advantage from UHC AL-0001 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $600.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $6700.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $6700.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The AARP Medicare Advantage from UHC AL-0001 (HMO-POS) plan features an annual prescription drug deductible of $600.00 and offers an Enhanced Alternative drug benefit. For individuals who qualify for the Low-Income Subsidy, also known as Extra Help, the Part D drug cost is reduced to no copay. Once the deductible is met, you pay copays or coinsurance during the initial coverage phase until your total drug costs reach $2,100.00. During this initial phase, a 30-day supply of Tier 1 preferred generic drugs requires a $12.00 copay at standard pharmacies, while Tier 2 standard generics require a 16% coinsurance. Tier 3 preferred brands and Tier 4 non-preferred drugs carry a 34% and 26% coinsurance respectively for standard retail and mail-order options. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC AL-0001 (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care visits, telehealth services, and annual preventive physicals. Specialist visits require a copay of up to $45, while inpatient hospital stays carry a $455 daily copay for the first six days and no copay for subsequent days. Emergency room visits have a $130 copay, which is waived if you are admitted, and urgent care services range from no copay up to a $50 copay. For routine wellness, the plan provides preventive dental cleanings, annual eye exams, and yearly hearing tests with no copay or coinsurance. Vision eyewear is covered up to $250 every two years with no copay for frames, while hearing aids require copays ranging from $199 to $1,249. Other essential services like home health care and diabetic supplies are fully covered with no copay, whereas dialysis and durable medical equipment require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers inpatient acute hospital stays with a $455 daily copay for days 1 to 6 (no copay for days 7 to 999) and psychiatric stays with a $455 daily copay for days 1 to 5 (no copay for days 6 to 90), with no coinsurance required for either. This benefit is partially covered, as prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay ranging from no copay to $455, while daily observation services carry a $455 copay. Outpatient substance abuse sessions range from no copay to a $25 copay for individual sessions, and a $15 copay for group sessions.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage from UHC AL-0001 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Transportation services are not covered by this plan, including trips to plan-approved and any health-related locations.
Emergency Services See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers primary care benefits with no coinsurance and copays ranging from no copay for primary care and telehealth services up to $45 for specialists and podiatry. Chiropractic services are partially covered by the plan, as routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC AL-0001 (HMO-POS) with no copayments and no coinsurance for covered benefits like annual physicals, fitness benefits, and kidney disease education. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered under AARP Medicare Advantage from UHC AL-0001 (HMO-POS), which offers one annual routine hearing exam with no deductible, copay, or coinsurance, while fitting and evaluation exams are not covered. The plan also covers up to two OTC or prescription hearing aids per year with no coinsurance and copays ranging from $199.00 to $1,249.00, though specific inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are covered by AARP Medicare Advantage from UHC AL-0001 (HMO-POS), featuring one annual routine eye exam with no copay and no coinsurance. Eyewear is partially covered up to a $250 limit every two years with no coinsurance, no copay for contact lenses or frames, and a $0 to $153 copay for lenses, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC AL-0001 (HMO-POS), offering preventive care like cleanings, exams, and x-rays with no copay and no coinsurance, and Medicare-covered dental services for a 20% coinsurance and no copay. Restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers home infusion bundled services with prior authorization, offering chemotherapy, radiation, and other Part B drugs with no copay and ranging from no coinsurance to 20% coinsurance. Medicare Part B insulin drugs are also covered under this benefit with a $35 copay and ranging from no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers durable medical equipment, prosthetics, and diabetic therapeutic shoes with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, though prior authorization is required for most medical equipment and supplies.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC AL-0001 (HMO-POS), requiring prior authorization. Lab services have no copay or coinsurance, diagnostic tests require a $50 copay and no coinsurance, outpatient X-rays cost a $30 copay with no coinsurance, diagnostic radiology ranges from a $0 to $200 copay with no coinsurance, and therapeutic radiology requires a 20% coinsurance with no copay.
Home Health Services See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to access these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under the AARP Medicare Advantage from UHC AL-0001 (HMO-POS) plan. Although the plan indicates some services are covered, none of the specific sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered, meaning there are no plan copays or coinsurance available.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, as additional days beyond the Medicare-covered limit are not covered. Covered stays require prior authorization and feature no copay or coinsurance for days 1 through 20, followed by a $218 daily copay with no coinsurance for days 21 through 100.
Other Services See details
AARP Medicare Advantage from UHC AL-0001 (HMO-POS) partially covers Other Services, providing a meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture, over-the-counter (OTC) items, and Dual Eligible SNPs are not covered under this plan.
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