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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 2025, 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 2025.
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 $420.00 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 $3700.00 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 has an enhanced alternative drug benefit with a $420 deductible. After the deductible is met, you will pay a copay or coinsurance for your prescriptions depending on the drug tier and pharmacy used. For example, you will pay a $12 copay for a preferred generic drug at a standard pharmacy. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you will pay nothing for your Part D covered drugs. However, those who qualify for the low-income subsidy will have their Part D costs covered.
Additional Benefits
The AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan offers comprehensive coverage with a variety of benefits. This plan includes inpatient hospital stays with a copay, as well as outpatient services, ambulance, and emergency services with varying copays. Additionally, it features no copays for primary care, preventive services, and routine hearing and vision exams. This plan also covers a range of other services, such as dental with coinsurance, home infusion, and medical equipment with coinsurance. Other notable benefits include no copays for home health services, and skilled nursing facility stays with a copay. However, some services, such as cardiac rehabilitation and certain other services, are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute with a $295 copay for days 1-7, and no copay for days 8-90, and Inpatient Hospital Psychiatric with a $295 copay for days 1-5, and no copay for days 6-90. The plan also covers Additional Days for Inpatient Hospital-Acute with no copay for days 91-999. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient services include coverage for all outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay between $0 and $295, observation services have a $295 copay, ambulatory surgical center services have no copay, individual outpatient substance abuse sessions have a copay between $0 and $25, group outpatient substance abuse sessions have a $15 copay, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan. Both ground and air ambulance services have a $120 copay with no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services have a $140 copay, and Urgently Needed Services have a copay between $0 and $65, while Worldwide Emergency Services have a $0 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
Primary Care Physician Services include no copay. Chiropractic Services, including routine care, have a $10 copay, with prior authorization required. Occupational Therapy Services have a copay between $0 and $20, and also require prior authorization. Physician Specialist Services have a copay between $0 and $30, and require prior authorization. Mental Health Specialty Services have a copay that varies depending on the service, with individual sessions between $0 and $25 and group sessions at $15. Podiatry Services have a $30 copay for routine foot care, limited to 6 visits per year. Other Health Care Professional, Additional Telehealth Benefits and Opioid Treatment Program Services have no copay. Psychiatric Services have a copay that varies depending on the service, with individual sessions between $0 and $25 and group sessions at $15. Physical Therapy and Speech-Language Pathology Services have a copay between $0 and $20, and also require prior authorization.
Preventive Services See details
Preventive Services include no copay for annual physical exams, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a welcome visit. Additional preventive services, including fitness benefit and home and bathroom safety devices and modifications have no copay.
Hearing Services See details
Hearing Services include Routine Hearing Exams with no copay, and Prescription Hearing Aids (all types) with a copay between $199 and $1249. OTC Hearing Aids have a copay between $99 and $829. Fitting/Evaluation for Hearing Aid, Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
The AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan covers vision services, including routine eye exams with no copay. Eyewear benefits are covered, including contact lenses with no copay, eyeglass lenses with a copay of $0.00 - $153.00, and eyeglass frames with no copay; however, eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
The AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan includes dental services with a 20% coinsurance for Medicare dental services. Other dental services have a maximum plan benefit coverage of $4,000 every year.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including insulin, chemotherapy/radiation drugs, and other Medicare Part B drugs. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered with a coinsurance between 20% and 20%. Prior authorization is required for this benefit.
Medical Equipment See details
The AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan covers medical equipment, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetic Devices with 20% coinsurance, and Medical Supplies with 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including Diagnostic Procedures/Tests with a $25 copay, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $150, Therapeutic Radiological Services with 20% coinsurance, and Outpatient X-Ray Services with a $15 copay.
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, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan, with a $0 copay for days 1-20 and a $203 copay for days 21-100. Additional days beyond Medicare-covered SNF stays and non-Medicare-covered SNF stays are not covered.
Other Services See details
The AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS) plan covers Over-the-Counter (OTC) Items with no copay and Meal Benefits with no copay and prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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