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AARP Medicare Advantage from UHC FL-0009 (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-0009 (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-0009 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0009 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Gainesville. 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-0009 (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-0009 (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-0009 (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-0009 (HMO-POS) plan features an annual drug deductible of $270. Under this plan, you will enjoy no copay for Tier 1 preferred generic and Tier 2 generic drugs when using standard pharmacies or standard mail-order services for both 1-month and 3-month supplies. This makes managing everyday prescription medications highly affordable. For higher-tier medications, costs are structured as coinsurance percentages during the initial coverage phase. You will pay a 22% coinsurance for Tier 3 preferred brand drugs and a 44% coinsurance for Tier 4 non-preferred drugs. Tier 5 specialty drugs require a 30% coinsurance for a 1-month supply through standard pharmacies and standard mail order.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0009 (HMO-POS) plan offers robust coverage with predictable out-of-pocket costs, featuring no copay and no coinsurance for primary care visits, annual physicals, and home health services. For inpatient hospital stays, members pay no coinsurance and a $250 copay for days one through seven, followed by no copay for days eight through 90. Outpatient hospital services also feature no coinsurance, with copays ranging from no copay to $250 depending on the procedure. Routine vision, dental, and hearing exams are covered with no copay and no coinsurance, helping you easily manage your preventive care. Diagnostic lab tests and diabetic supplies also require no copay, while dialysis and durable medical equipment are covered with a 20% coinsurance. Emergency services are available with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC FL-0009 (HMO-POS) with no coinsurance, requiring a $250 copay for days 1 through 7 and no copay for days 8 through 90. Additional acute days are covered at no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0009 (HMO-POS) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services. Outpatient hospital and observation services have copays ranging from $0 to $250, while outpatient substance abuse services feature copays up to $25, with prior authorization required for most services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0009 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0009 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC FL-0009 (HMO-POS) with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services carry a copay ranging from $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
Primary Care benefits for AARP Medicare Advantage from UHC FL-0009 (HMO-POS) feature no copay and no coinsurance for primary care visits, telehealth, and opioid treatment. Specialist visits have a copay of $0 to $35, therapy services require a $30 copay, and some chiropractic services are covered though routine and other chiropractic services are not covered, all with no coinsurance.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC FL-0009 (HMO-POS) with no copay and no coinsurance for covered options like annual physical exams, kidney disease education, and fitness benefits. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems (PERS), medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling services.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FL-0009 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (with a copay of $199.00 to $1,249.00) and two OTC hearing aids (with a copay of $199.00 to $829.00) are covered yearly with no coinsurance, but 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 from UHC FL-0009 (HMO-POS), offering routine eye exams, eyeglass frames, and contact lenses with no copay and no coinsurance, alongside eyeglass lenses with a $0 to $153 copay and no coinsurance up to a $150 limit every two years. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FL-0009 (HMO-POS), featuring no copay and no coinsurance for preventive services like exams, cleanings, fluoride, and X-rays. Medicare-covered dental services require a 20% coinsurance with no copay, while other diagnostic, restorative, endodontic, periodontic, prosthodontic, and orthodontic services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FL-0009 (HMO-POS) with no copay, though prior authorization and step therapy may apply. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while covered Part B insulin drugs require a $35 copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC FL-0009 (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 from UHC FL-0009 (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, 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-0009 (HMO-POS) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $30 copay for diagnostic tests and outpatient X-rays, a minimum $60 copay for therapeutic radiological services, and diagnostic radiological services start at no copay.
Home Health Services See details
AARP Medicare Advantage from UHC FL-0009 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC FL-0009 (HMO-POS) plan, as none of the sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy, are covered. Consequently, there are no plan-covered copayments or coinsurance for these rehabilitation services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC FL-0009 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-0009 (HMO-POS) offers partial coverage for other services, including over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit, and the meal benefit requires prior authorization.
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