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AARP SecureHorizons Medicare Advantage TX-0023 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP SecureHorizons Medicare Advantage TX-0023 (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP SecureHorizons Medicare Advantage TX-0023 (HMO-POS) in 2025, please refer to our full plan details page.
AARP SecureHorizons Medicare Advantage TX-0023 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Texas. This plan received an overall rating of 4.5 out of 5 stars in 2025.
It's important to know that AARP SecureHorizons Medicare Advantage TX-0023 (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 SecureHorizons Medicare Advantage TX-0023 (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 SecureHorizons Medicare Advantage TX-0023 (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 $495.00 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 $4000.00 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 SecureHorizons Medicare Advantage TX-0023 (HMO-POS) plan has a $495.00 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy used. For example, the copay for a standard generic drug is $14.00, while the copay for a preferred brand drug is $100.00. Once your total yearly drug costs reach $2000.00, you will enter the catastrophic coverage phase, where you pay nothing for covered drugs.
Additional Benefits
The AARP SecureHorizons Medicare Advantage TX-0023 (HMO-POS) plan offers comprehensive coverage with various benefits. It includes no copay for primary care visits, preventive services, and home health services. The plan also covers inpatient hospital stays with a $120 copay for days 1-5, and no copay for days 6-90. Additional benefits include coverage for outpatient services, hearing and vision services, and dental services with varying copays and coinsurance. Emergency, ambulance, and skilled nursing facility services are also covered, with specific copays and requirements for prior authorization. The plan offers additional benefits such as coverage for over-the-counter items, meal benefits, and medical equipment.
Inpatient Hospital See details
Inpatient Hospital benefits, including Acute and Psychiatric, are covered, but require prior authorization and a doctor's referral. For Inpatient Hospital-Acute and Psychiatric, you pay a $120 copay for days 1-5, and no copay for days 6-90, and for Inpatient Hospital-Acute, 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 with a copay between $0 and $120, observation services with a $120 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, and outpatient blood services with no copay. Prior authorization and a doctor referral are required for most outpatient services.
Partial Hospitalization See details
Partial Hospitalization is covered with no copay, and requires prior authorization and a doctor referral.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground and Air Ambulance Services each have a $275 copay, and there is 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. Worldwide Emergency Services have no copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The AARP SecureHorizons Medicare Advantage TX-0023 (HMO-POS) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, and occupational therapy services with a $0 - $30 copay. The plan also covers physician specialist services and mental health specialty services with a $0 - $30 copay, and podiatry services with a $30 copay. Other health care professional services, psychiatric services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment program services are covered with varying copays.
Preventive Services See details
Preventive Services include coverage for Medicare-covered services with no copay, as well as an annual physical exam with no copay. Additional preventive services, including Fitness Benefit and Home and Bathroom Safety Devices and Modifications, are covered with no copay. Some services such as Health Education, and Counseling Services are not covered.
Hearing Services See details
Hearing exams are covered with no copay, while routine hearing exams are covered with no copay for one visit per year. Prescription hearing aids are covered with a copay between $199 and $1249 for two hearing aids every year, and OTC hearing aids are covered with a copay between $99 and $829 for two hearing aids per year. Fitting/evaluation for hearing aids, Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay. Eyewear has no copay. Eyeglass lenses have a copay of $0.00 - $153.00. Eyeglass frames and contact lenses have no copay. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are covered, with 20% coinsurance for Medicare Dental Services. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Prosthodontics (removable), Maxillofacial Prosthetics, Prosthodontics (fixed), and Oral and Maxillofacial Surgery are also covered as optional, supplemental benefits, but Implant Services and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay and a coinsurance between 0-20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0-20%.
Dialysis Services See details
Dialysis Services are covered, but require prior authorization and a doctor's referral. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits are covered, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetics/Medical Supplies with 20% coinsurance. Diabetic Supplies and Diabetic Therapeutic Shoes/Inserts have no copay, while other Diabetic Equipment benefits are covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures/tests with a $35 copay, lab services with no copay, and outpatient X-ray services with no copay. Diagnostic radiological services have a copay of at most $150, and therapeutic radiological services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by the AARP SecureHorizons Medicare Advantage TX-0023 (HMO-POS) plan with no copay and no coinsurance. However, Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but none of the sub-services are covered, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. A doctor referral and prior authorization are required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization and a doctor referral. There is no copay for days 1-20, and a $203 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) Items with no copay, and Meal Benefits with no copay and prior authorization required. 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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