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AARP Medicare Advantage Patriot No Rx CO-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 CO-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 CO-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Denver Metro Area. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx CO-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 CO-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 CO-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 $150.00. 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 Maximum Out-Of-Pocket cost of $4200.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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:
Sign up for AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) plan offers robust coverage with no copays for primary care visits, routine physicals, fitness benefits, and home health services. Routine vision and hearing exams are also available with no copay, alongside preventive dental care and a biennial eyewear allowance of up to $300. For specialized needs, comprehensive dental services require a 50% coinsurance, while hearing aids carry copays ranging from $199 to $1,249. Inpatient hospital stays require a $445 daily copay for the first six days, after which there is no copay, while emergency room visits carry a $150 copay that is waived upon admission. Diagnostic lab tests and diabetic supplies feature no copays, but other medical equipment and dialysis services require a 20% coinsurance. Outpatient hospital services and diagnostic radiology are subject to variable copays up to $445 and $260, respectively.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) covers inpatient hospital stays with no coinsurance, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Acute hospitalizations require a $445 daily copay for days 1 to 6 and no copay for days 7 to 999, while psychiatric stays require a $445 daily copay for days 1 to 5 and no copay for days 6 to 90.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital and observation services require a copay of $0 to $445, while outpatient substance abuse sessions carry a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, although prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require no copay to a $65 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 are covered by AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) with no copays for primary care visits, telehealth, and opioid treatment, and no coinsurance across all services. Other covered services like specialist visits, therapy, and mental health care require copays ranging from $0 to $55, though chiropractic services are only partially covered since routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS), with covered options like annual physicals, fitness benefits, and glaucoma screenings requiring no copay and no coinsurance. However, several sub-services are not covered, including health education, weight management programs, alternative therapies, and personal emergency response systems.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx CO-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. Prescription and over-the-counter hearing aids are covered up to two per year with no coinsurance and copays ranging from $199 to $1,249, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) offers partially covered vision services with no deductible, excluding upgrades and combined eyeglasses (lenses and frames). Routine eye exams, contact lenses, and eyeglass frames feature no copay and no coinsurance, while eyeglass lenses have a $0 to $153 copay and no coinsurance. Covered eyewear is subject to a combined maximum allowance of $300 every two years.
Dental Services See details
AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) partially covers dental services, though implant services and orthodontics are not covered. Preventive dental care has no copay or coinsurance, while Medicare-covered services require a 20% coinsurance and covered comprehensive services require a 50% coinsurance, both with no copays.
Home Infusion bundled Services See details
Home Infusion bundled Services are partially covered by AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) with prior authorization required, as Part D home infusion drugs are not covered. Covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) plan with 20% coinsurance and no copay. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment benefits are covered by the AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) plan, with prior authorization required for most services. Durable medical equipment, prosthetic devices, 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
AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) covers diagnostic and radiological services, with prior authorization required. Lab services feature no copay and no coinsurance, diagnostic tests require a $50 copay and no coinsurance, and outpatient X-rays have a $30 copay and no coinsurance. Diagnostic radiological services range from a $0 to $260 copay with no coinsurance, while therapeutic radiological services require 20% coinsurance and no copay.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) plan, as none of the sub-services—including intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) with no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and no coinsurance. 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 the AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) plan, which provides OTC items and meal benefits with no copay and no coinsurance. Prior authorization is required for meal benefits, and acupuncture as well as Dual Eligible SNPs with Highly Integrated Services are not covered.
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