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AARP Medicare Advantage Essentials from UHC AZ-2 (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-2 (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-2 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Maricopa and Pinal Counties. 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-2 (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-2 (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-2 (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 $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 Maximum Out-Of-Pocket cost of $3500.00 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-2 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Essentials from UHC AZ-2 HMO-POS plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. After meeting the deductible, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies during the initial coverage phase. Other tiers require coinsurance at standard pharmacies, including 19% for Tier 2 standard generics, 41% for Tier 3 preferred brands, and 28% 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 Medicare Part D drugs. Furthermore, individuals who qualify for the low-income subsidy, also known as Extra Help, will pay $0.00 for their Part D coverage.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) plan offers comprehensive medical coverage with no deductibles for outpatient services and no copay for primary care visits, telehealth, and annual preventive exams. Specialist visits and physical therapy feature low copays ranging from $0 to $30, while inpatient hospital stays require a $250 daily copay for the first seven days and no copay for days eight through 90. Emergency room visits and ambulance services both carry a $150 copay, though the emergency fee is waived if you are admitted to the hospital within 24 hours. For supplemental care, members benefit from no copay for routine dental, vision, and hearing exams, as well as a $350 vision hardware allowance every two years. Diagnostic lab tests and home health services also require no copay, while dialysis services, prosthetics, and durable medical equipment are covered with a 20% coinsurance. Additionally, covered hearing aids require copays ranging from $199 to $1,249, but comprehensive dental treatments and transportation services are not covered.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS), featuring a $250 daily copay for days 1–7 and no copay or coinsurance for days 8–90 for both acute and psychiatric stays. While unlimited additional acute care days are covered with no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) covers outpatient services with no coinsurance and no deductible, featuring no copay for ambulatory surgical center and outpatient blood services. Copays range from $0 to $250 for outpatient hospital and daily observation services, and from $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-2 (HMO-POS) 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 partially covered by AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS), as transportation services to health-related locations are not covered. Covered ground and air ambulance services require a $150 copay and no coinsurance.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) covers emergency services with a $150 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 $65 copay 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-2 (HMO-POS) covers primary care physician visits and telehealth services with no copay and no coinsurance. Additional services like specialist visits, physical therapy, chiropractic care, and mental health sessions are covered with copays ranging from $0 to $30 and no coinsurance.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) with no copays or coinsurance for annual physicals, diabetes training, and fitness benefits. However, the plan does not cover several supplemental services, including health education, weight management, alternative therapies, PERS, in-home safety assessments, nutritional benefits, and caregiver support.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, though fitting evaluations and specific prescription hearing aid styles (inner, outer, and over-the-ear) are not covered. Covered OTC and general prescription hearing aids are limited to two per year with copays ranging from $199 to $1,249 and no coinsurance.
Vision Services See details
AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) partially covers vision services, featuring no copays or coinsurance for annual eye exams, contact lenses, and frames, and a $0 to $153 copay with no coinsurance for lenses, up to a $350 allowance every two years. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS), featuring preventive care such as exams, cleanings, and x-rays with no copay and no coinsurance, and Medicare-covered dental services with a 20% coinsurance and no copay. Comprehensive treatments, including restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics, are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) with prior authorization and step therapy required. 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 by AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) with a 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) covers 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, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $5 copay for diagnostic tests and outpatient X-rays, a $60 copay for therapeutic radiology, and a copay ranging from $0 to $135 for diagnostic radiology.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under the AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) plan. Although the plan indicates some services are covered, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered, leaving members with no copay or coinsurance coverage for these services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, as additional days beyond Medicare-covered stays are not covered. There is no coinsurance for covered stays, which require prior authorization and feature no copay for days 1 to 20 followed by a $218 daily copay for days 21 to 100.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS), which offers a chronic illness meal benefit with no copay and no coinsurance. Acupuncture, Over-the-Counter (OTC) items, and Dual Eligible SNPs with Highly Integrated Services are not covered.
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