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AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx AL-MA01 (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 Patriot No Rx AL-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx AL-MA01 (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 Patriot No Rx AL-MA01 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx AL-MA01 (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 Patriot No Rx AL-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $125.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $5900.00 (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 $5900.00 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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) plan offers comprehensive medical coverage with many services featuring no coinsurance. Beneficiaries enjoy no copay for primary care doctor visits, annual physicals, routine eye exams, and home health services. For more intensive care, inpatient hospital stays require a $445 copay for the first six days of acute stays, while emergency room visits carry a $130 copay that is waived if admitted. This plan also includes dental, vision, and hearing benefits to help manage your everyday health costs. Preventive dental care features no copay under a $4,000 annual limit, while routine hearing exams are covered with no copay and prescription hearing aids require copays starting at $199. Additionally, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) partially covers inpatient hospital benefits with no coinsurance, requiring a $445 copay for days 1-6 of acute stays (no copay for days 7-999) and a $445 copay for days 1-5 of psychiatric stays (no copay for days 6-90). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Other covered services require copays, ranging from $0 to $445 for outpatient hospital visits, $445 per day for observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) for a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services under the AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) are partially covered, with Medicare-covered ground and air ambulance services requiring a $290 copay and no coinsurance. Transportation services to plan-approved or any other health-related locations are not covered.
Emergency Services See details
Emergency Services are covered under the AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) plan 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 $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary Care benefits under the AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) plan are covered with no coinsurance, featuring no copay for primary care physician visits, telehealth, and opioid treatment. Specialist visits, therapy, and mental health services require copays ranging from no copay up to $45 with no coinsurance, while chiropractic services are only partially covered because routine chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) offers partial coverage for preventive services with no copay and no coinsurance for covered benefits like annual physicals, fitness benefits, and kidney disease education. Uncovered sub-services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) partially covers hearing services, offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (with a $199 to $1,249 copay) and two OTC hearing aids (with a $199 to $829 copay) are covered annually with no coinsurance, but inner ear, outer ear, and over-the-ear prescription models are excluded.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS), featuring no deductibles, no coinsurance, and no copays for annual routine eye exams. Covered eyewear includes contact lenses and frames with no copay or coinsurance, and eyeglass lenses with a $0 to $153 copay and no coinsurance (up to a $200 limit every two years), though upgrades and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) partially covers dental services up to a $4,000 annual limit, though implant services and orthodontics are not covered. Patients pay no copay for preventive care like cleanings and exams, while Medicare dental services require a 20% coinsurance and comprehensive services require a 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are partially covered by the AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) plan, as Part D home infusion drugs are not covered under this benefit. Covered Medicare Part B insulin drugs require a $35 copay and between no coinsurance and 20% coinsurance, while chemotherapy, radiation, and other Part B drugs require no copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) plan with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical Equipment benefits are covered under the AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) plan, with prior authorization required. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts require a 20% coinsurance and no copay, while diabetic supplies are covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) plan, with prior authorization required. Lab services feature no copay and no coinsurance, diagnostic tests require a $50 copay and no coinsurance, outpatient X-rays cost a $25 copay and no coinsurance, diagnostic radiology ranges from no copay up to a $260 copay with no coinsurance, and therapeutic radiology requires a 20% coinsurance with no copay.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) does not cover Cardiac Rehabilitation Services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) provides partial coverage for other services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture and highly integrated SNP services are not covered, and prior authorization is required for the meal benefit.
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