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AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Essentials from UHC AZ-1 (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 Essentials from UHC AZ-1 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Pima County. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Essentials from UHC AZ-1 (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 Essentials from UHC AZ-1 (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 Essentials from UHC AZ-1 (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 $355.00 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 Maximum Out-Of-Pocket cost of $2800.00 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 Essentials from UHC AZ-1 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) plan features an Enhanced Alternative drug benefit with a $355.00 annual prescription drug deductible. After meeting this deductible, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies. For Tier 2 standard generic drugs, the plan requires an 18% coinsurance during the initial coverage phase. For higher-tier medications, you will pay a 40% coinsurance for Tier 3 preferred brand drugs and a 29% coinsurance for Tier 4 non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Part D drugs. Additionally, qualifying for the low-income subsidy can reduce your Part D drug costs to $0.00.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) offers comprehensive healthcare coverage with no copay for primary care visits, routine preventive services, and home health care. For hospital stays, members pay a $250 daily copay for days one through seven of an inpatient stay, while outpatient hospital copays range from no copay to $250. Emergency room visits carry a $150 copay, which is waived if you are admitted within 24 hours, and urgent care visits require a copay between no copay and $65. This plan also features valuable supplemental benefits, including routine vision and hearing exams with no copay, alongside a $200 eyewear allowance every two years. Preventive dental services like cleanings and x-rays are available with no copay up to a $1,000 annual limit, while comprehensive dental services require a 50% coinsurance. Additionally, members benefit from over-the-counter items with no copay, while durable medical equipment and dialysis services require a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS), requiring a $250 daily copay for days 1-7 and no copay or coinsurance for days 8-90 for acute and psychiatric stays. Additional acute days are covered with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Copayments range from $0 to $250 for outpatient hospital services, $250 per day for observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS), as transportation services to plan-approved and any health-related locations are not covered. Covered ground and air ambulance services require prior authorization and carry a $275 copay with no coinsurance.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC AZ-1 (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 a copay of $0 to $65 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance. Other covered services require a copay and no coinsurance, including $0 to $25 for specialists and psychiatric care, $15 for physical, occupational, and speech therapy, $10 for chiropractic care, and $25 for podiatry.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, and home safety devices. 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/dietary benefits, palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing Services are partially covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS), featuring one annual routine hearing exam with no copay or coinsurance, and up to two OTC or prescription hearing aids per year with copays ranging from $199.00 to $1,249.00 and no coinsurance. Services not covered include fitting or evaluation for hearing aids, as well as inner ear, outer ear, and over the ear prescription hearing aids.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS), though complete eyeglasses (lenses and frames) and upgrades are not covered. Covered benefits include one annual routine eye exam with no copay or coinsurance, alongside a $200 eyewear allowance every two years featuring no coinsurance, no copay for contacts or frames, and a $0 to $153 copay for eyeglass lenses.
Dental Services See details
AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) offers partially covered dental services up to a $1,000 annual limit, though implant services and orthodontics are not covered. Diagnostic and preventive services, such as cleanings and x-rays, are available with no copay and no coinsurance. Medicare-covered dental services require a 20% coinsurance and no copay, while covered comprehensive services require a 50% coinsurance and no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) covers home infusion bundled services, requiring prior authorization. Covered Part B chemotherapy, radiation, and other drugs feature no copay and no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Essentials from UHC AZ-1 (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
Medical Equipment benefits are covered under AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) with a 20% coinsurance and no copay for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for most equipment and supplies.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) covers diagnostic and radiological services with no coinsurance. Lab services have no copay, outpatient X-rays and diagnostic tests cost a $30 copay, therapeutic radiology requires an $80 copay, and diagnostic radiology copays range from $0 to $260.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) requires prior authorization for cardiac rehabilitation, and although some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered. Since these services are not covered, there are no copays or coinsurance options available.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS), featuring no copay or coinsurance for days 1 to 20 and a $218 daily copay with no coinsurance for days 21 to 100. Prior authorization is required, and while a prior three-day hospital stay is not required for admission, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) partially covers Other Services, offering over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered under this plan.
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