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AARP Medicare Advantage Patriot No Rx TX-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 TX-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 TX-MA02 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx TX-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 Texas. 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 TX-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 TX-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 TX-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 $80.00. 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 $6700.00 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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, telehealth, and routine preventive services. Specialist visits range from no copay to a $60 copay, while inpatient hospital stays require a $450 daily copay for the first 5 to 6 days and no copay thereafter. Emergency care features a $130 copay that is waived upon hospital admission, and urgently needed services range from no copay to a $50 copay. Routine dental, vision, and hearing exams are available with no copay and no coinsurance. For specialized needs, prescription hearing aids require a copay of $199 to $1,249, while durable medical equipment and Medicare-covered dental services require a 20% coinsurance. Additionally, skilled nursing facility stays are covered with no copay for the first 20 days before transitioning to a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital care is covered by AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) with no coinsurance, requiring a $450 daily copay for days 1 through 6 of acute stays and days 1 through 5 of psychiatric stays, followed by no copay for remaining covered days. While unlimited additional acute days are covered at no cost, additional psychiatric days, non-Medicare-covered stays, and room upgrades are not covered.
Outpatient Services See details
Outpatient services are covered by the AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan with no coinsurance, though copays vary depending on the specific service. You will pay no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital services require a copay of $0 to $450, and outpatient substance abuse services range from a $0 to $25 copay.
Partial Hospitalization See details
Partial hospitalization services are covered by the AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) covers ground and air ambulance services with a $275.00 copay and no coinsurance, subject to prior authorization. Some transportation services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay of $0 to $50 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance, while specialist visits range from a $0 to $60 copay with no coinsurance. Other services like therapy, podiatry, and mental health require copays ranging from $0 to $60 with no coinsurance, though for chiropractic services, some services are covered but routine and other chiropractic services are not.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and a fitness benefit. These services are only partially covered, as additional benefits such as health education, nutritional/dietary services, and in-home support are not covered.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) offers partially covered hearing services, featuring routine hearing exams with no copay and no coinsurance, though fitting and evaluation exams are not covered. Covered prescription hearing aids require a $199.00 to $1,249.00 copay and OTC hearing aids require a $199.00 to $829.00 copay, both with no coinsurance, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan, featuring routine eye exams, contact lenses, and eyeglass frames with no copay and no coinsurance. Eyeglass lenses are covered with no coinsurance and a copay of $0 to $153 up to a $150 combined limit every two years, though upgrades, other eye exams, and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan, which offers Medicare-covered dental services with no copay and a 20% coinsurance. Preventive services like cleanings, exams, fluoride, and x-rays are covered with no copay and no coinsurance, though restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, maxillofacial prosthetics, adjunctive general, and orthodontic services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin drugs carry a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance, subject to prior authorization. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan, requiring prior authorization and referrals. Lab services have no copay or coinsurance, diagnostic tests cost a $55 copay, outpatient X-rays require a $30 copay, and therapeutic radiology services carry a minimum 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan with no copay and no coinsurance, though prior authorization and referrals are required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization and referrals are required for these services, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are not covered under the AARP Medicare Advantage Patriot No Rx TX-MA02 (HMO-POS) plan, as acupuncture, over-the-counter (OTC) items, and meal benefits are all excluded from coverage.
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