A non-government entity
AARP Medicare Advantage from UHC FL-0005 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0005 (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 FL-0005 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Jacksonville. 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 FL-0005 (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 FL-0005 (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 FL-0005 (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 $270.00 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:
Sign up for AARP Medicare Advantage from UHC FL-0005 (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
The AARP Medicare Advantage from UHC FL-0005 (HMO-POS) plan has an annual drug deductible of $270. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay for one-month or three-month supplies at standard pharmacies, as well as three-month supplies through standard mail order. This provides an affordable option for individuals who rely on common maintenance drugs. For brand-name and specialty medications, your costs are based on coinsurance rates rather than flat copays. Tier 3 preferred brand drugs require a 21% coinsurance, while Tier 4 non-preferred drugs carry a 46% coinsurance. Specialty Tier 5 drugs have a 30% coinsurance for a one-month supply at standard pharmacies and standard mail order.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0005 (HMO-POS) plan offers robust medical coverage with no copay for primary care visits, telehealth services, and routine preventive care. For inpatient hospital stays, members pay a daily copay of $225 for the first five days and no copay for days six through ninety. Outpatient hospital services require a copay of up to $225, while diagnostic lab work and home health care are covered with no copay. Routine dental, vision, and hearing exams are available with no copay, though comprehensive dental care is not covered under this plan. Durable medical equipment and dialysis services require a twenty percent coinsurance, while emergency room visits carry a $150 copay that is waived if you are admitted. Prescription hearing aids and eyewear are also covered with affordable, set copays and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $225 daily copay for days 1-5 and no copay for days 6-90. Unlimited additional acute hospital days are covered at no copay, but upgrades, non-Medicare-covered stays, and psychiatric stays beyond 90 days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC FL-0005 (HMO-POS) with no coinsurance, though prior authorization is required for most treatments. There is no copay for ambulatory surgical center or blood services, while outpatient hospital services require a $0 to $225 copay, observation services carry a $225 daily copay, and outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) covers ground and air ambulance services with a $190 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $65 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 from UHC FL-0005 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance. Specialist visits require a $0 to $30 copay, therapy services have a $20 copay, and mental health or podiatry services cost up to a $30 copay, all with no coinsurance. Some chiropractic services are covered, but routine and other chiropractic care are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC FL-0005 (HMO-POS) with no copay and no coinsurance for covered services, including annual physical exams, kidney disease education, fitness benefits, and select screenings. However, many supplemental preventive services are not covered, 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, home-based palliative care, in-home support, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) partially covers hearing services, offering annual routine hearing exams with no copay and no coinsurance, while fitting and evaluation exams are not covered. Prescription hearing aids are available with a $199.00 to $1,249.00 copay and no coinsurance, though inner ear, outer ear, and over-the-ear types are not covered. OTC hearing aids are also covered with a copay of $199.00 to $829.00 and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FL-0005 (HMO-POS) with no coinsurance, featuring no copay for annual routine eye exams and contact lenses, and a $0 to $153 copay for eyeglass lenses and frames up to a $300 limit every two years. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) provides partially covered dental services, featuring preventive care such as exams, cleanings, fluoride, and x-rays with no copay and no coinsurance. Medicare-covered dental services require a 20% coinsurance and no copay, but comprehensive services like restorative, endodontics, periodontics, prosthodontics, implants, and oral surgery are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FL-0005 (HMO-POS) with no copay, although prior authorization and step therapy may apply. Associated Medicare Part B drugs, including chemotherapy and radiation, have coinsurance ranging from no coinsurance up to 20%, while covered insulin requires a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC FL-0005 (HMO-POS) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0005 (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 carry a 20% coinsurance. Prior authorization is required for these medical equipment services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC FL-0005 (HMO-POS) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $10 copay for diagnostic tests, a $5 copay for outpatient X-rays, a minimum $80 copay for therapeutic radiology, and as low as no copay for diagnostic radiological services.
Home Health Services See details
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under AARP Medicare Advantage from UHC FL-0005 (HMO-POS) as all sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are excluded. While the overall benefit category technically features no coinsurance, members will not have coverage for any of these specific rehabilitation services in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by AARP Medicare Advantage from UHC FL-0005 (HMO-POS) with no coinsurance and no prior 3-day inpatient hospital stay required. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100 under prior authorization, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-0005 (HMO-POS) partially covers other services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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