A non-government entity
AARP Medicare Advantage Patriot No Rx NJ-MA01 (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 NJ-MA01 (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 NJ-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in New Jersey. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx NJ-MA01 (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 NJ-MA01 (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 NJ-MA01 (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 $50.00. 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:
Sign up for AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) plan offers robust coverage with many services featuring no copay and no coinsurance. Members benefit from no copays on primary care doctor visits, telehealth, annual physical exams, routine eye and hearing exams, and preventive dental care up to a $2,000 annual limit. Home health services and cardiac rehabilitation are also fully covered with no copay or coinsurance. For other medical needs, the plan provides clear and structured cost-sharing. Specialist visits range from no copay to a $50 copay, while inpatient hospital stays require a $455 daily copay for the first 5 to 6 days before shifting to no copay. Emergency room visits carry a $130 copay, which is waived upon hospital admission, and standard diagnostic lab services require no copay.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS), as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Covered stays have no coinsurance, requiring a $455 daily copay for days 1 to 6 for acute care and days 1 to 5 for psychiatric care, followed by no copay for the remaining Medicare-covered days.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital services have a copay ranging from $0 to $455 (with a $455 daily copay for observation), while outpatient substance abuse individual sessions range from no copay to $25, and group sessions require a $15 copay.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx NJ-MA01 (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 are covered with no coinsurance and a copay ranging from no copay up to $50, while worldwide emergency, urgent, and transportation services feature no copays and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) plan feature no copay and no coinsurance for primary care provider visits and telehealth, while specialist visits range from a $0 to $50 copay with no coinsurance. Physical, occupational, and speech therapies require a $50 copay with no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) with no copay and no coinsurance for covered services like annual physical exams, fitness benefits, and kidney education. Sub-services not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS), which offers one annual routine hearing exam with no copay and no coinsurance, although fitting and evaluation exams are not covered. The plan covers up to two prescription hearing aids per year with a copay of $199.00 to $1,249.00 and no coinsurance, and up to two over-the-counter hearing aids with a copay of $199.00 to $829.00 and 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 Patriot No Rx NJ-MA01 (HMO-POS), featuring one routine eye exam annually with no copay or coinsurance, though prior authorization is required. Covered eyewear includes contact lenses, frames, and lenses with no coinsurance and up to a $250 combined limit every two years, with copays ranging from $0 to $153 for lenses, while upgrades, packaged eyeglasses, and other eye exams are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) covers preventive dental services with no copay and no coinsurance up to a $2,000 yearly maximum, while Medicare-covered services require no copay and 20% coinsurance. Comprehensive dental services are partially covered with no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) with no copay, though prior authorization is required. Under this benefit, Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while covered Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx NJ-MA01 (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 benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) plan, with prior authorization required. Lab services have no copay and no coinsurance, diagnostic tests have a $55 copay with no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiology has a 20% coinsurance, while diagnostic radiology copays start at $0.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) care is covered by AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior 3-day inpatient hospital stay is not required, and additional days beyond the standard 100 days are not covered.
Other Services See details
Other services under the AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) are partially covered, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved