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AARP Medicare Advantage from UHC FL-0010 (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-0010 (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-0010 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Fort Myers/Naples. 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-0010 (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-0010 (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-0010 (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 $9.00. 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 $3400.00 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-0010 (HMO-POS) plan has an annual prescription drug deductible of $270. Members benefit from no copay for Tier 1 preferred generic and Tier 2 generic drugs filled at standard pharmacies or through standard mail order. This makes managing everyday health needs highly affordable, especially for those utilizing 1-month or 3-month supplies. For brand-name and specialty prescriptions, costs are based on a percentage coinsurance rather than flat copayments. Tier 3 preferred brand drugs require a 22% coinsurance, while Tier 4 non-preferred drugs have a 40% coinsurance and Tier 5 specialty drugs have a 30% coinsurance. These cost-sharing rates apply to standard pharmacy and standard mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0010 (HMO-POS) plan offers robust healthcare coverage featuring no copays for primary care, telehealth, and routine preventive services. For hospital stays, members pay no coinsurance, with inpatient care requiring a daily copay of $245 for the first seven days and no copay for days eight through 90. Emergency room visits carry a $150 copay that is waived if admitted, while urgently needed services range from no copay to a $65 copay. Specialist visits and physical therapies are highly accessible with copays ranging from no copay to $30 and no coinsurance. Routine dental cleanings, vision exams, and hearing tests are covered with no copay, while diagnostic lab work and home health care also require no copay. For durable medical equipment and dialysis services, members pay a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a daily copay of $245 for days 1 through 7 and no copay for days 8 through 90. Unlimited additional acute hospital 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-0010 (HMO-POS) with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital services carry a copay of $0 to $245, while outpatient substance abuse sessions have copays ranging from $0 to $25, with prior authorization required for most services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) covers ground and air ambulance services with a $120 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0010 (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 have a copay ranging from $0 to $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) covers primary care, telehealth, and opioid treatment services with no copay and no coinsurance. Specialist visits, mental health services, and physical, occupational, and speech therapies are also covered with no coinsurance and copays ranging from $0 to $30, while chiropractic services are not covered.
Preventive Services See details
Preventive Services under the AARP Medicare Advantage from UHC FL-0010 (HMO-POS) are partially covered with no copay and no coinsurance for covered care, including annual physical exams, kidney disease education, and fitness benefits. However, many additional preventive services are not covered, such as health education, in-home safety assessments, personal emergency response systems, and nutritional or dietary benefits.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) provides partially covered hearing services, featuring routine hearing exams with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are also partially covered with no coinsurance and copays ranging from $199 to $1,249, excluding inner ear, outer ear, and over the ear models. OTC hearing aids are covered with a $199 to $829 copay and no coinsurance for up to two devices per year.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FL-0010 (HMO-POS) with no coinsurance, featuring one routine eye exam annually with no copay, while other eye exam services are not covered. Eyewear is also partially covered with no coinsurance up to a $300 combined maximum every two years, offering contact lenses and eyeglass frames with no copay and eyeglass lenses with a $0 to $153 copay, though upgrades and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) partially covers dental services, including Medicare-covered dental with no copay and a 20% coinsurance. Preventive services like cleanings, exams, fluoride, and x-rays are covered with no copay and no coinsurance, while restorative, endodontic, periodontic, prosthodontic, oral surgery, orthodontic, and other diagnostic dental services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FL-0010 (HMO-POS) with no copay, though prior authorization and step therapy are required. Associated Medicare Part B drugs, including chemotherapy, radiation, and other drugs, have a 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC FL-0010 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0010 (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 require 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-0010 (HMO-POS) with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiology, while outpatient X-rays and diagnostic tests require a $5 copay, and therapeutic radiology services require a copay starting at $30.
Home Health Services See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) covers home health services 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 from UHC FL-0010 (HMO-POS) plan, with prior authorization required. While some services are covered, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required and a prior three-day inpatient hospital stay is not required, though additional days beyond the standard 100 Medicare-covered days are not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-0010 (HMO-POS) partially covers other services, providing 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 under this benefit.
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