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AARP Medicare Advantage Patriot No Rx CO-MA02 (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-MA02 (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-MA02 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Colorado. 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-MA02 (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-MA02 (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-MA02 (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 $130.00. 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-MA02 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth, and annual preventive physicals. For specialized care, specialist visits range from no copay to a $55 copay, while inpatient hospital stays require a $445 daily copay for the first six days and no copay thereafter. Outpatient services generally feature no coinsurance, with copays ranging from no copay for ambulatory surgical centers to up to $445 for outpatient hospital services. This plan also includes key supplemental benefits like dental, vision, and hearing services with no deductibles. Preventive dental care, routine eye exams, and annual hearing tests are available with no copay, though comprehensive dental services require a 50% coinsurance and prescription hearing aids require copays. Additionally, members benefit from no copays for home health services, cardiac rehabilitation, and over-the-counter items, while durable medical equipment and dialysis require a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by the AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) with no coinsurance, but prior authorization is required. For acute stays, there is a $445 daily copay for days 1-6 and no copay for days 7 and beyond; psychiatric stays require a $445 daily copay for days 1-5 and no copay for days 6-90. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by the AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) plan with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Medicare-covered outpatient hospital and observation services require a copay of $0 to $445, while outpatient substance abuse sessions have a copay ranging from $0 to $25, with prior authorization required for most services.
Partial Hospitalization See details
The AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) plan covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) with a $290.00 copay and no coinsurance for ground and air transport, while transportation services are not covered. Prior authorization is required for ambulance services, and the copay is not waived if you are admitted to the hospital.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx CO-MA02 (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 coinsurance and a copay ranging from no copay to $65, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) feature primary care and telehealth visits with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Physical and occupational therapies have a $55 copay and no coinsurance, and while some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are covered by AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) with no copay and no coinsurance for annual physicals, kidney disease education, diabetes training, and glaucoma screenings. Additional supplemental benefits are partially covered; fitness benefits and home safety devices are included, but health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission 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 are not covered.
Hearing Services See details
Hearing services are covered by AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) with no deductible and no coinsurance, including one annual routine hearing exam with no copay, though fitting evaluations are not covered. Up to two prescription hearing aids (with copays ranging from $199 to $1,249) and two OTC hearing aids (with copays ranging from $199 to $829) are covered per year, although inner, outer, and over-the-ear prescription aid types are excluded.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) with no deductible, no coinsurance, and no copay for annual routine eye exams. Covered eyewear includes contact lenses and eyeglass frames with no copay, and eyeglass lenses with a copay of $0 to $153 up to a $300 combined maximum every two years, while other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) plan, which excludes implant services and orthodontics. Diagnostic and preventive services have no copay and no coinsurance up to a $4,000 yearly limit, while Medicare-covered dental services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copays.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and radiation, have no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) plan, with prior authorization required. Diagnostic tests require a $50 copay and no coinsurance, lab and diagnostic radiology services have no copay and no coinsurance, outpatient X-rays require a $30 copay and coinsurance, and therapeutic radiology services require a copay and a minimum 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) plan covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by the AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) plan with no coinsurance and no copay, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) care is covered by the AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) plan with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required and a three-day prior hospital stay is not needed, though additional days beyond the 100-day Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) provides partial coverage for other services, including over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though meals require prior authorization. Acupuncture and other additional services are not covered under this plan.
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