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AARP Medicare Advantage from UHC AZ-002P (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC AZ-002P (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 AZ-002P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AZ-002P (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 from UHC AZ-002P (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 AZ-002P (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 AZ-002P (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 $2900.00 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:
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Drug Coverage
The AARP Medicare Advantage from UHC AZ-002P (HMO-POS) plan features an annual prescription drug deductible of $440.00. After meeting this deductible, you enter the initial coverage phase where Tier 1 preferred generic drugs have no copay at standard pharmacies. Other tiers require coinsurance, including 18% for standard generics, 41% for preferred brands, and 28% for non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Part D prescription drugs. Additionally, if you qualify for the low-income subsidy (Extra Help), your Part D costs can be reduced to zero. This structured plan helps Medicare beneficiaries manage their annual medication expenses predictably.
Additional Benefits
The AARP Medicare Advantage from UHC AZ-002P (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth services, and annual preventive care physicals. For specialized or urgent medical needs, inpatient hospital stays require a $275 daily copay for the first eight days with no copay thereafter, while emergency room visits carry a $150 copay. Outpatient services and specialist visits are also highly accessible, featuring no coinsurance and copays ranging from no copay up to $275 depending on the service. This plan also includes robust dental, vision, and hearing benefits to help minimize your out-of-pocket expenses. Preventive dental cleanings, routine eye exams, and routine hearing tests are available with no copay, while comprehensive dental services are covered up to a $5,000 annual limit with a 20% to 50% coinsurance. Additionally, diagnostic lab tests and home health services require no copay, allowing you to easily manage your wellness.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS), requiring a $275 daily copay for days 1 to 8 and no copay for days 9 and beyond, with no coinsurance. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric hospital days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS) with no coinsurance and copays ranging from $0 to $275 depending on the service. There is no copay for ambulatory surgical center and blood services, while outpatient substance abuse sessions require a copay of $0 to $25.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS), with ground and air ambulance services requiring a $260 copay and no coinsurance. Transportation services to plan-approved health-related locations and any other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS) 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 up to a $65 copay 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 AZ-002P (HMO-POS) covers primary care, telehealth, and opioid treatment services with no copay and no coinsurance. Other services, including specialist visits and physical therapy, have copays ranging from $10 to $25 with no coinsurance, though chiropractic services are only partially covered because routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS), which offers covered benefits like annual physicals, fitness programs, kidney disease education, and select screenings with no copay and no coinsurance. However, supplemental services such as 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, tobacco cessation, disease management, telemonitoring, remote access, home safety devices, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC AZ-002P (HMO-POS) partially covers hearing services, offering routine hearing exams with no copay and no coinsurance, and up to two prescription or OTC hearing aids per year with copays ranging from $199.00 to $1,249.00 and no coinsurance. Fitting and evaluation for hearing aids, along with inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS), with upgrades and combined eyeglasses (lenses and frames) excluded from coverage. Routine eye exams, contact lenses, and eyeglass frames are available with no copay and no coinsurance, while eyeglass lenses carry a copay of $0 to $153 and no coinsurance, up to a combined limit of $150 every two years.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC AZ-002P (HMO-POS) plan up to a $5,000 annual limit, excluding implant services and orthodontics which are not covered. Preventive care such as cleanings, exams, and x-rays has no copay and no coinsurance, whereas Medicare dental services require a 20% coinsurance (no copay) and comprehensive services require a 50% coinsurance (no copay).
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS) with prior authorization. Medicare 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
AARP Medicare Advantage from UHC AZ-002P (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC AZ-002P (HMO-POS) covers durable medical equipment, prosthetic devices, and medical supplies with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance and no copay, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $5 copay for outpatient x-rays and diagnostic tests, a $50 copay for therapeutic radiology, and diagnostic radiology copays range from no copay up to $160.
Home Health Services See details
AARP Medicare Advantage from UHC AZ-002P (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
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC AZ-002P (HMO-POS) plan. This exclusion applies to all related sub-services, including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage from UHC AZ-002P (HMO-POS), offering no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, with no coinsurance. Prior authorization is required for coverage, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC AZ-002P (HMO-POS) partially covers other services, featuring a chronic illness meal benefit with no copay, no coinsurance, and required prior authorization. Acupuncture, over-the-counter (OTC) items, and Dual Eligible SNPs with Highly Integrated Services are not covered.
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