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AARP Medicare Advantage from UHC FL-0008 (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-0008 (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-0008 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in 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-0008 (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-0008 (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-0008 (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:
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Drug Coverage
The AARP Medicare Advantage from UHC FL-0008 (HMO-POS) plan has an annual drug deductible of $270. Under this plan, you will benefit from no copay on Tier 1 preferred generic and Tier 2 generic medications when filled for 1-month or 3-month supplies at standard pharmacies or via standard mail order. For brand-name and specialty medications, costs are structured around coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs require a 23% coinsurance, while Tier 4 non-preferred drugs carry a 46% coinsurance and Tier 5 specialty drugs require a 30% coinsurance for 1-month supplies.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0008 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth, and home health services. For inpatient hospital stays, members pay no coinsurance and a $335 daily copay for the first seven days, while emergency services carry a $150 copay that is waived if admitted. Specialist visits and outpatient hospital services feature no coinsurance, with copays ranging up to $25 and $335 respectively. Ancillary benefits help limit out-of-pocket costs, featuring no copay for routine eye exams and preventive dental care up to a $1,000 annual limit. Routine hearing exams also require no copay, though covered prescription hearing aids carry copays between $199 and $1,249. Additionally, durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $335 daily copay for days 1 to 7 and no copay for days 8 to 90. While unlimited additional acute days are covered with no copay, 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-0008 (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital copays range from $0 to $335, observation services require a $335 daily copay, and outpatient substance abuse sessions carry a copay of $0 to $25 for individual sessions and $15 for group sessions, with prior authorization required.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $140 copay and no coinsurance, subject to prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require no copay to a $65 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC FL-0008 (HMO-POS) plan feature no copay and no coinsurance for primary care provider visits and telehealth. Specialist visits, physical therapy, and mental health services require copays ranging from $0 to $25 with no coinsurance, while some chiropractic 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 from UHC FL-0008 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, and kidney disease education. However, several sub-services are not covered, including health education, in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, disease management, telemonitoring, remote access technologies, safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FL-0008 (HMO-POS) with no deductible and no coinsurance. Routine hearing exams have no copay, but fitting and evaluation exams, as well as inner, outer, and over the ear prescription hearing aids, are not covered. Covered prescription hearing aids require a $199.00 to $1,249.00 copay and OTC hearing aids require a $199.00 to $829.00 copay, with a limit of two devices per year.
Vision Services See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) provides partially covered vision services with no deductibles or coinsurance, featuring no copay for one routine eye exam per year. Eyewear is covered up to a $300 maximum every two years with no copay for contact lenses and frames and a copay of $0 to $153 for lenses, though upgrades, combined eyeglasses, and other eye exams are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) partially covers dental services, as implant services and orthodontics are not covered. Preventive dental care requires no copay and no coinsurance up to a $1,000 annual limit, while Medicare-covered services have no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FL-0008 (HMO-POS) with no copay, though prior authorization and step therapy are required. Associated Medicare Part B drugs, including chemotherapy, insulin, and other infusion drugs, feature a coinsurance ranging from no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay from specified manufacturers, 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 AARP Medicare Advantage from UHC FL-0008 (HMO-POS) with no coinsurance, although prior authorization is required. Members pay no copay for lab services and diagnostic radiological services, a $5 copay for diagnostic tests and outpatient X-rays, and a minimum $60 copay for therapeutic radiological services.
Home Health Services See details
The AARP Medicare Advantage from UHC FL-0008 (HMO-POS) plan covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC FL-0008 (HMO-POS) with no coinsurance, though only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0008 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day inpatient hospital stay required. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and additional days beyond the standard Medicare limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC FL-0008 (HMO-POS), featuring a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture and Over-the-Counter (OTC) items are not covered.
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