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AARP Medicare Advantage Extras from UHC NJ-7 (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 NJ-7 (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 NJ-7 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 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 Extras from UHC NJ-7 (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 NJ-7 (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 NJ-7 (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 $600.00 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 NJ-7 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs cost a $12 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay through preferred mail order. Brand-name and specialty medications are subject to coinsurance rather than flat copayments under this plan. Tier 3 preferred brand drugs require an 18% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 29% and 26% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) plan provides comprehensive coverage featuring no copays for primary care visits, telehealth, routine eye and hearing exams, and annual preventive screenings. Specialist visits carry a copay ranging from $0 to $55, while emergency room visits have a $130 copay that is waived upon hospital admission. For inpatient hospital stays, members pay a $550 daily copay for the first few days with no coinsurance, followed by no copay for additional covered days. This plan also includes dental coverage up to a $2,500 annual limit, offering preventive dental services with no copay and comprehensive care with 50% coinsurance. Vision benefits include a $300 allowance for eyewear every two years, and prescription hearing aid coverage is available with copays starting at $199. Durable medical equipment and dialysis services require no copay but carry a 20% coinsurance, while diabetic supplies are covered with no copay.
Inpatient Hospital See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $550 copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, followed by no copay for additional covered days. Upgrades, non-Medicare-covered stays, and additional psychiatric days beyond 90 days are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $550 copay for outpatient hospital services and a $550 daily copay for observation services. There are no copays or coinsurance for ambulatory surgical center and blood services, while outpatient substance abuse sessions carry copays up to $25.
Partial Hospitalization See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency Services under the AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) are covered with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay ranging from no copay up to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) features primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Therapy and podiatry services have copays ranging from $45 to $50 with no coinsurance, and although some chiropractic services are covered with a $15 copay and no coinsurance, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) with no copay and no coinsurance for annual exams, kidney disease education, fitness benefits, and home safety devices. However, sub-services such as 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 technologies, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) plan, offering one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a $199 to $1,249 copay and no coinsurance, but inner ear, outer ear, and over the ear models are not covered. Additionally, up to two OTC hearing aids are covered annually with a copay of $199 to $829 and no coinsurance.
Vision Services See details
Vision services are partially covered under the AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) plan, featuring no deductibles or coinsurance. Routine eye exams have no copay, and eyewear has a combined $300 maximum benefit every two years with no copay for frames or contacts and a $0 to $153 copay for lenses, though other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) partially covers dental services up to a $2,500 annual limit, excluding implant services and orthodontics. Preventive services are available with no copay and no coinsurance, while comprehensive and Medicare-covered dental services have no copay and require 50% and 20% coinsurance, respectively.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin requires a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) plan with no copay and a 20% coinsurance, subject to prior authorization.
Medical Equipment See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) covers durable medical equipment, prosthetics, and diabetic therapeutic shoes with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) with prior authorization required. Diagnostic tests have a $50 copay with no coinsurance, lab services and diagnostic radiology require no copay, outpatient X-rays have a $30 copay, and therapeutic radiology requires a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no copay and no coinsurance under the AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) plan, 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
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 copay per day for days 21 through 100. Prior authorization is required, and while a prior three-day hospital stay is not required for admission, additional days beyond the standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered, and the meal benefit requires prior authorization.
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