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AARP Medicare Advantage from UHC AL-0002 (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-0002 (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-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AL-0002 (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-0002 (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-0002 (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-0002 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $40.00. 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 $440.00 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 $5400.00 (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 $5400.00 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-0002 (HMO-POS) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. After meeting this deductible, you enter the initial coverage phase where you will pay a $10.00 copay for Tier 1 preferred generic drugs at standard pharmacies. For higher tiers, costs are based on coinsurance, including 16% for Tier 2 standard generic drugs and 41% for Tier 3 preferred brand drugs. These cost-sharing rates apply until your yearly out-of-pocket drug costs reach $2,100.00, transitioning you into the catastrophic coverage phase. Once you reach this threshold, you will pay nothing for your Medicare Part D covered prescription drugs. Additionally, beneficiaries who qualify for Extra Help can receive a reduced Part D premium of $15.40.
Additional Benefits
The AARP Medicare Advantage from UHC AL-0002 (HMO-POS) plan offers robust medical coverage featuring no copay for primary care visits, telehealth, annual physicals, and home health services. Specialist visits require a copay ranging up to $40, while inpatient hospital stays carry a $455 daily copay for the first five to six days and no copay for subsequent days. Emergency room visits require a $130 copay, which is waived upon admission, and ambulance services incur a $290 copay. For routine care, members benefit from no copay on routine eye exams, preventive dental cleanings, and annual hearing exams, though prescription hearing aids require copays starting at $199. Durable medical equipment, prosthetics, and dialysis services are covered with a 20% coinsurance and no copay. Additionally, skilled nursing facility stays are covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 to 100.
Inpatient Hospital See details
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) covers inpatient hospital care with a $455 daily copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, with no copay for additional days and no coinsurance for all covered stays. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC AL-0002 (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Other services require copays, ranging from $0 to $25 for outpatient substance abuse sessions and up to $455 for outpatient hospital and observation services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are offered by AARP Medicare Advantage from UHC AL-0002 (HMO-POS), which covers ground and air ambulance services with a $290 copay and no coinsurance. Transportation services to plan-approved or any other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services require a copay ranging from no copay to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance. Other services like specialist visits, therapies, and mental health sessions feature copays ranging from $0 to $40 with no coinsurance, while chiropractic services are only partially covered because routine chiropractic care is not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC AL-0002 (HMO-POS) with no copay and no coinsurance for annual physical exams, kidney disease education, and fitness benefits. However, additional preventive services are only partially covered, excluding options like health education, weight management, personal emergency response systems, and in-home safety assessments.
Hearing Services See details
Hearing Services are partially covered by AARP Medicare Advantage from UHC AL-0002 (HMO-POS) with no deductible or coinsurance, offering no copay for one routine annual hearing exam, though fitting/evaluation exams and inner, outer, or over-the-ear prescription hearing aids are not covered. Covered prescription hearing aids (all types) require a copay of $199 to $1,249, while OTC hearing aids have a copay of $199 to $829, with both limited to two devices per year.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC AL-0002 (HMO-POS), as combined eyeglasses (lenses and frames) and upgrades are not covered. Covered services include one annual routine eye exam, eyeglass frames, and contact lenses with no copay and no coinsurance, plus eyeglass lenses with a $0 to $153 copay and no coinsurance, up to a combined $250 limit every two years.
Dental Services See details
Dental services covered under the AARP Medicare Advantage from UHC AL-0002 (HMO-POS) plan include preventive care like oral exams, cleanings, and x-rays with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, though comprehensive treatments like restorative services, endodontics, and implants are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) covers home infusion bundled services with prior authorization, offering chemotherapy, radiation, and other Part B drugs with no copay and 0% to 20% coinsurance. Part B insulin drugs are also covered under this benefit with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) covers Dialysis Services with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, 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 these medical equipment services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC AL-0002 (HMO-POS) plan, with prior authorization required. Diagnostic services feature no coinsurance, with copays ranging from no copay for lab services to $50 for diagnostic tests and $0 to $260 for diagnostic radiology. Outpatient X-rays require a $30 copay with no coinsurance, while therapeutic radiological services carry a 20% coinsurance and no copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC AL-0002 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC AL-0002 (HMO-POS) does not cover Cardiac Rehabilitation Services, including intensive cardiac, pulmonary, and SET for PAD rehabilitation. Because these services are not covered, members will be responsible for the full cost of care without any plan copay or coinsurance benefits.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC AL-0002 (HMO-POS) with no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and no coinsurance. The benefit is partially covered because prior authorization is required and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC AL-0002 (HMO-POS), which offers a meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture, over-the-counter items, and dual eligible SNPs are not covered under this plan.
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