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AARP Medicare Advantage from UHC FL-0006 (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-0006 (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-0006 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Central Florida. 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-0006 (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-0006 (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-0006 (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 $12.00. 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.
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 $3800.00 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 Medicare Advantage from UHC FL-0006 (HMO-POS) plan has an annual prescription drug deductible of $270. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs at standard pharmacies or through standard mail order. This budget-friendly benefit helps keep your costs for essential, everyday medications to a minimum. For brand-name and specialized medications, costs are determined by coinsurance percentages. Tier 3 preferred brand drugs require a 21% coinsurance, Tier 4 non-preferred drugs require 39% coinsurance, and Tier 5 specialty drugs require 30% coinsurance. These coinsurance rates apply to standard pharmacy and standard mail order options, giving you clear expectations for your prescription expenses.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0006 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $250 daily copay for days 1 through 7, with no copay required for days 8 through 90. Specialist visits feature a copay ranging from $0 to $45, while diagnostic lab services and outpatient surgical center visits are available with no copay. This plan also includes valuable dental, vision, and hearing benefits, featuring a $4,000 annual maximum for dental care with no copay for preventive services. Routine eye and hearing exams are covered with no copay, and prescription hearing aids require copays between $199 and $1,249. Additionally, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay, helping you manage ongoing healthcare needs affordably.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC FL-0006 (HMO-POS) with no coinsurance, requiring a $250 daily copay for days 1-7 and no copay for days 8-90 for both acute and psychiatric stays. Unlimited additional acute care days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC FL-0006 (HMO-POS) with no coinsurance, featuring a $0 to $250 copay for outpatient hospital services and a $250 daily copay for 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 copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0006 (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 from UHC FL-0006 (HMO-POS) covers ground and air ambulance services with a $150 copay and no coinsurance, although prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC FL-0006 (HMO-POS) with a $150 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services have a copay of up to $65 and 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-0006 (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance. Other covered services also feature no coinsurance, with copays ranging from $0 to $45 for specialists, $20 for occupational, physical, and speech therapies, and $45 for podiatry. Some chiropractic services are covered with a $20 copay and no coinsurance, but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC FL-0006 (HMO-POS) with no copay and no coinsurance for annual physicals, kidney disease education, fitness benefits, and select screenings. However, several sub-services are not covered under this plan, including health education, in-home support, personal emergency response systems, and nutritional benefits.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FL-0006 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are covered with a copay of $199 to $1,249 and no coinsurance for up to two aids per year, excluding inner ear, outer ear, and over the ear prescription models. Up to two OTC hearing aids are also covered annually with a copay of $199 to $829 and no coinsurance.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC FL-0006 (HMO-POS), offering routine eye exams, eyeglass frames, and contact lenses with no copay and no coinsurance, and eyeglass lenses with a $0 to $153 copay and no coinsurance. A $150 maximum eyewear benefit is available every two years, but other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) offers partially covered dental services with a $4,000 annual maximum. Diagnostic and preventive care has no copay and no coinsurance, Medicare-covered dental services require no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) covers home infusion bundled services with no copay, subject to prior authorization. Covered Medicare Part B chemotherapy, radiation, and other drugs have no copay and a 0% to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage from UHC FL-0006 (HMO-POS) plan, with durable medical equipment, prosthetics, and medical supplies requiring no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC FL-0006 (HMO-POS) with no coinsurance, though prior authorization is required. Under this plan, there is no copay for lab services, a $5 copay for diagnostic tests and outpatient X-rays, a minimum $0 copay for diagnostic radiology, and a minimum $20 copay for therapeutic radiology.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC FL-0006 (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 by AARP Medicare Advantage from UHC FL-0006 (HMO-POS) with no copay and no coinsurance, though prior authorization is required and only some services are covered. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered in practice under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0006 (HMO-POS) covers Skilled Nursing Facility (SNF) care with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required for this benefit, though a prior three-day inpatient hospital stay is not.
Other Services See details
AARP Medicare Advantage from UHC FL-0006 (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 under this plan, and prior authorization is required for the meal benefit.
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