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AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC AZ-5 (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 Extras from UHC AZ-5 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC AZ-5 (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 Extras from UHC AZ-5 (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 Extras from UHC AZ-5 (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 Extras from UHC AZ-5 (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 $520.00 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 $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 Extras from UHC AZ-5 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan features an enhanced alternative drug benefit with an annual prescription drug deductible of $520.00. After meeting this deductible, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies. For other medications, standard pharmacy costs include a 19% coinsurance for Tier 2 standard generics, 37% coinsurance for Tier 3 preferred brands, and 27% coinsurance for Tier 4 non-preferred drugs. For individuals who qualify for the low-income subsidy, the Part D cost-sharing is $0.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. This structured plan helps you manage your prescription drug expenses throughout the year.
Additional Benefits
The AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) provides comprehensive coverage featuring no copays and no coinsurance for primary care, telehealth, home health, and routine preventive services. For inpatient hospital stays, members pay a $295 daily copay for the first seven days, with no copay required for additional days. Emergency room visits carry a $150 copay that is waived upon admission, while outpatient services and diagnostic lab tests are available with no coinsurance and low to no copays. Supplemental care is highly affordable, offering no copays for routine dental, vision, and hearing exams, alongside a $5,000 annual maximum for dental services. Routine prescription hearing aids and eyewear are covered with predictable copays and no coinsurance, helping to keep out-of-pocket costs low. Essential medical needs like dialysis and durable medical equipment are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) with a daily copay of $295 for days 1 through 7, no copay for days 8 and beyond, and no coinsurance. Upgrades, non-Medicare-covered stays, and additional days for psychiatric care are not covered.
Outpatient Services See details
Outpatient services covered by AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) feature no coinsurance, with no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital and daily observation services require a copay ranging from $0 to $295, while outpatient substance abuse services have a copay of $0 to $25 depending on the session type.
Partial Hospitalization See details
AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) covers partial hospitalization benefits with a $55 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 the AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan, which offers ground and air ambulance services for a $150 copay and no coinsurance. Transportation services to plan-approved or any other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Extras from UHC AZ-5 (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 ranging from no copay to $65 with 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 Extras from UHC AZ-5 (HMO-POS), featuring no copay and no coinsurance for primary care visits, telehealth, and opioid treatment. Other services, such as physical therapy, chiropractic care, and specialist visits, require copays ranging from $0 to $45 with no coinsurance.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) with no copay and no coinsurance for services like annual physicals, fitness benefits, and glaucoma screenings. This benefit is partially covered, as sub-services including 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, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS), offering one routine hearing exam per year with no copay or coinsurance. Up to two OTC or prescription hearing aids are covered annually with copays between $199 and $1,249 and no coinsurance, though fitting/evaluation exams and inner, outer, or over-the-ear prescription hearing aid types are not covered.
Vision Services See details
AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) partially covers vision services, providing routine eye exams and contact lenses with no copay and no coinsurance. Eyeglass frames and lenses are covered with a $0 to $153 copay and no coinsurance up to a $200 limit every two years, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS), with implant services and orthodontics not covered. Preventive services like cleanings and exams have no copay and no coinsurance, while Medicare dental services have no copay and a 20% coinsurance, and restorative services have no copay and a 50% coinsurance, up to a $5,000 annual maximum.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) with prior authorization required. Covered Medicare Part B chemotherapy and other Part B drugs require no copay and no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) covers durable medical equipment, prosthetic devices, 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 medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) covers diagnostic and radiological services with no coinsurance. Members will pay no copay for lab services, a $5 copay for diagnostic tests and outpatient X-rays, a $10 copay for therapeutic radiological services, and up to a $260 copay for diagnostic radiological services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) with no copay and no coinsurance. Prior authorization is required to access this benefit.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) notes that some services are covered under the Cardiac Rehabilitation benefit, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD Services are not covered. Because these specific services are not covered, there are no plan copays or coinsurance options available, and prior authorization is required for any covered care.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) partially covers Skilled Nursing Facility (SNF) care, as additional days beyond the Medicare-covered limit are not covered. For covered stays, there is no copay and no coinsurance for days 1 through 20, followed by a $218 daily copay and no coinsurance for days 21 through 100.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS), excluding acupuncture and dual eligible SNPs with highly integrated services. Covered sub-services, such as over-the-counter (OTC) items and meal benefits, feature no copay and no coinsurance.
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