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AARP Medicare Advantage from UHC TX-25 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC TX-25 (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 from UHC TX-25 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC TX-25 (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 from UHC TX-25 (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 from UHC TX-25 (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 from UHC TX-25 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $74.00. 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 $440.00 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 $3900.00 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 Medicare Advantage from UHC TX-25 (HMO-POS) plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies, or for a 3-month supply through mail order. Tier 2 generic drugs require a $10 copay for a 1-month supply at standard pharmacies, but you can save by paying no copay for a 3-month supply through preferred mail order. Higher-tier medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs carry a 17% coinsurance for both 1-month and 3-month fills at standard pharmacies and mail order. For Tier 4 non-preferred drugs and Tier 5 specialty drugs, you will pay a 41% and 28% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC TX-25 (HMO-POS) plan offers comprehensive medical coverage, featuring no copay and no coinsurance for primary care doctor visits, telehealth, and routine preventive services. Specialist visits range from no copay up to a $30 copay, while inpatient hospital stays require a $295 copay per admission with no coinsurance. Emergency room visits carry a $150 copay, which is waived if you are admitted, while worldwide emergency services are covered with no copay. Routine vision, hearing, and preventive dental exams are covered with no copay and no coinsurance, though comprehensive dental services are not covered under this plan. For other healthcare needs, home health care and diagnostic lab services require no copay, while medical equipment and dialysis services generally carry a 20% coinsurance. Skilled nursing facility stays are also covered, featuring no copay for the first 20 days and a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) covers inpatient hospital services with a $295 copay per admission and no coinsurance for both acute and psychiatric stays. While unlimited additional days for acute stays are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $295, observation services carry a $295 daily copay, and outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
The AARP Medicare Advantage from UHC TX-25 (HMO-POS) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization and a referral are required to access this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, and prior authorization is required. Routine transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a $0 to $65 copay with no coinsurance, while worldwide emergency, urgent care, and emergency transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) features primary care physician and telehealth visits with no copay and no coinsurance, while specialist visits require a copay of $0 to $30 and no coinsurance. Therapy services, including physical, occupational, speech, and podiatry, have a $30 copay and no coinsurance, whereas chiropractic services are not covered.
Preventive Services See details
Preventive services are offered by the AARP Medicare Advantage from UHC TX-25 (HMO-POS) with no copay and no coinsurance for covered services like annual physicals, kidney disease education, and glaucoma screenings. Additional preventive benefits are partially covered, providing fitness benefits and home safety devices, while other services such as health education, weight management, nutritional therapy, and personal emergency response systems are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) partially covers hearing services, featuring one routine hearing exam per year with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two prescription hearing aids (with a copay of $199.00 to $1,249.00) and two OTC hearing aids (with a copay of $199.00 to $829.00) are covered annually with no coinsurance, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC TX-25 (HMO-POS), offering one routine eye exam annually with no copay, no deductible, and no coinsurance, while other eye exam services are not covered. Eyewear is covered with no deductible or coinsurance up to a $150 allowance every two years, featuring no copay for contacts and frames, and a $0 to $153 copay for lenses, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage from UHC TX-25 (HMO-POS), offering preventive care such as exams, cleanings, fluoride, and x-rays with no copay and no coinsurance. Medicare-covered dental services have no copay and a 20% coinsurance, but comprehensive services like restorative care, endodontics, periodontics, prosthodontics, implants, orthodontics, and oral surgery are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) covers Home Infusion bundled Services with no copay, subject to prior authorization and step therapy. Covered Medicare Part B drugs, including chemotherapy, radiation, and other infusion drugs, require no coinsurance to 20% coinsurance, while insulin carries a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, and medical supplies, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC TX-25 (HMO-POS) plan, with prior authorization and referrals required. Lab services have no copay and no coinsurance, diagnostic tests require a $60 copay with no coinsurance, diagnostic radiology starts at no copay with no coinsurance, outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiology requires a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC TX-25 (HMO-POS) plan with no copay and no coinsurance. Prior authorization and a referral are required to receive this care.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC TX-25 (HMO-POS) with no copay and no coinsurance, though prior authorization and a referral are required. While some services are covered under this plan, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and a referral but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare benefit are not covered.
Other Services See details
AARP Medicare Advantage from UHC TX-25 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance, while acupuncture and meal benefits are not covered.
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