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AARP SecureHorizons Medicare Advantage TX-0025 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP SecureHorizons Medicare Advantage TX-0025 (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-0025 (HMO-POS) in 2025, please refer to our full plan details page.
AARP SecureHorizons Medicare Advantage TX-0025 (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-0025 (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-0025 (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-0025 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $65.00. 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 $340.00 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 $3500.00 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-0025 (HMO-POS) plan has an enhanced alternative drug benefit. The plan has a $340 deductible. During the initial coverage phase, you will pay a copay for your prescriptions. For standard generic drugs, you will pay a $10 copay. For preferred brand drugs, you will pay a $100 copay. Non-preferred drugs have a 29% coinsurance. Once your total drug costs reach $2,000, you enter the catastrophic coverage phase and pay nothing for your prescriptions.
Additional Benefits
The AARP SecureHorizons Medicare Advantage TX-0025 (HMO-POS) plan offers coverage for a wide range of services, including inpatient and outpatient care, with varying copays. You will pay a $245 copay for inpatient hospital stays, and outpatient services may have copays ranging from $0 to $245. Emergency services have a $140 copay, and primary care visits have no copay. This plan also includes benefits for preventive, hearing, vision, and dental services. Preventive services, including annual physical exams, are covered with no copay, and routine hearing and vision exams also have no copay. Dental services are covered with a 20% coinsurance for Medicare Dental Services, and other dental services are covered with a $500 maximum benefit per year.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, are covered by this plan. For inpatient hospital-acute services, you will pay a $245 copay per admission, and for additional days (91-999), there is no copay. Non-Medicare covered stays and upgrades for inpatient hospital-acute, and all additional days and non-Medicare covered stays for inpatient hospital psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a copay between $0 and $245, observation services with a $245 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 all services.
Partial Hospitalization See details
Partial Hospitalization is covered, with a $55 copay. Prior authorization and a doctor referral are required.
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 have a $275 copay and no coinsurance, while 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; both have no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay and no coinsurance.
Primary Care See details
The AARP SecureHorizons Medicare Advantage TX-0025 (HMO-POS) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a copay between $0 and $25, physician specialist services with a copay between $0 and $25, mental health specialty services with a copay between $0 and $25, podiatry services with a $25 copay, other health care professional services with a copay between $0 and $25, psychiatric services with a copay between $0 and $25, physical therapy and speech-language pathology services with a copay between $0 and $25, additional telehealth benefits with no copay, and opioid treatment program services with no copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive Services include annual physical exams with no copay, additional preventive services with a copay, and other preventive services including Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, all with no copay. The plan does not cover Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies (including Web/Phone-based technologies and Nursing Hotline), and Counseling Services.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are covered once per year with no copay. Prescription hearing aids are covered with a copay between $199 and $1249, with a limit of two per year, while OTC hearing aids have a copay between $99 and $829, also limited to two per year. 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
Vision services include eye exams, eyewear, contact lenses, eyeglass lenses, and eyeglass frames. Eye exams and routine eye exams have no copay, and eyewear, contact lenses, and eyeglass frames have no copay. Eyeglass lenses have a copay between $0 and $153. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are covered, with a 20% coinsurance for Medicare Dental Services. Other Dental Services are covered with a $500 maximum benefit per year, and oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventive dental services are covered with no copay. Restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, oral and maxillofacial surgery, and prosthodontics (removable and fixed) are covered with no copay and require prior authorization. Implants and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay and 0-20% coinsurance. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP SecureHorizons Medicare Advantage TX-0025 (HMO-POS) plan, but require prior authorization and a doctor referral. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, and Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies have a 20% coinsurance, and Diabetic Supplies have no copay. Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, but require prior authorization and a doctor's referral. Diagnostic Procedures/Tests have a $60 copay, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $250, Therapeutic Radiological Services have a 20% coinsurance, and Outpatient X-Ray Services have a $10 copay.
Home Health Services See details
Home Health Services are covered by the AARP SecureHorizons Medicare Advantage TX-0025 (HMO-POS) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP SecureHorizons Medicare Advantage TX-0025 (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 SecureHorizons Medicare Advantage TX-0025 (HMO-POS) plan. There is no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) Items with no copay, while acupuncture, meal benefits, and various other services are not covered. This plan also offers Nicotine Replacement Therapy (NRT) and Naloxone coverage as a Part C OTC benefit.
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