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AARP Medicare Advantage Extras from UHC TX-48 (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 TX-48 (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 TX-48 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 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 Extras from UHC TX-48 (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 TX-48 (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 TX-48 (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 $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 $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:
Sign up for AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) prescription drug plan has an annual drug deductible of $440. Tier 1 preferred generic drugs feature no copay for 1-month and 3-month standard pharmacy fills, as well as 3-month mail order options. Tier 2 generic drugs require a $14 copay for a 1-month standard pharmacy supply, but you can secure a 3-month supply with no copay through preferred mail order. For higher-tier medications, Tier 3 preferred brand drugs require a 17% coinsurance for both 1-month and 3-month fills across standard pharmacies and mail order. Tier 4 non-preferred drugs carry a 40% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 28% coinsurance. These clear cost-sharing tiers make it easy to estimate your out-of-pocket prescription expenses with this HMO-POS plan.
Additional Benefits
The AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) plan offers comprehensive coverage featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist visits require copays up to $55, while inpatient hospital stays incur a daily copay of $495 for the first several days before transitioning to no copay. Emergency care is available with a $130 copay, which is waived if you are admitted to the hospital within 24 hours. For supplemental care, the plan provides routine vision and hearing exams with no copay, alongside a $200 eyewear allowance and coverage for hearing aids with varying copays. Dental benefits include preventive services with no copay and up to a $3,000 annual maximum benefit, though covered comprehensive dental services require a 50% coinsurance. Additionally, durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) partially covers inpatient hospital services with no coinsurance, though upgrades and non-Medicare-covered stays are not covered. Acute care requires a $495 daily copay for days 1 through 5 and no copay for subsequent days, while psychiatric care requires a $495 daily copay for days 1 through 4 and no copay for days 5 through 90.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $495 for outpatient hospital and observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services require no coinsurance and a copay of $0 to $25 per session.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) plan with a $55 copay and no coinsurance. This benefit requires both a referral and prior authorization.
Ambulance and Transportation Services See details
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $275 copay per service and no coinsurance, with prior authorization required. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from no copay to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist and therapy visits require copays up to $55 and no coinsurance. For chiropractic benefits, some services are covered but routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) with no copay and no coinsurance for covered care such as annual physical exams, kidney disease education, and glaucoma screenings. While fitness benefits and home safety devices are covered, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS), offering routine hearing exams with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two OTC hearing aids (with a $199 to $829 copay and no coinsurance) and two prescription hearing aids (with a $199 to $1,249 copay and no coinsurance) are covered annually, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision services are covered by AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) with no coinsurance, featuring no copay for one annual routine eye exam and a $200 combined eyewear allowance every two years. This partially covered benefit includes contact lenses and eyeglass frames with no copay, and eyeglass lenses with a $0 to $153 copay, though other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS), featuring up to a $3,000 annual maximum benefit. Preventive services are available with no copay and no coinsurance, while Medicare-covered services require no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance. Implant services and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs require no copay and between no coinsurance and 20% coinsurance, while covered Part B insulin has a $35 copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization and a referral are required to access this benefit.
Medical Equipment See details
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic 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 by AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS), requiring prior authorization and referrals. Diagnostic services have no coinsurance, with a $50 copay for tests and no copay for lab work, while radiological services range from no copay for diagnostic radiology to a $30 copay for X-rays and 20% coinsurance for therapeutic services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) with no copay and no coinsurance, although prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) with no copay and no coinsurance, requiring prior authorization and a referral. 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 Extras from UHC TX-48 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, though prior authorization and referrals are required. There is no copay for days 1 to 20, followed by a $218 daily copay for days 21 to 100, with no coverage provided for additional days beyond the Medicare-covered limit.
Other Services See details
AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered under these services.
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