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AARP Medicare Advantage from UHC FL-001P (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-001P (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-001P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-001P (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-001P (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-001P (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-001P (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 $6.00. 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 $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-001P (HMO-POS) plan features 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 using standard pharmacies for 1-month or 3-month supplies, as well as standard 3-month mail orders. This makes managing your everyday prescriptions highly affordable and convenient. For higher-tier medications, costs are structured as coinsurance percentages at standard pharmacies and mail order services. You will pay a 21% coinsurance for Tier 3 preferred brand drugs, a 43% coinsurance for Tier 4 non-preferred drugs, and a 30% coinsurance for Tier 5 specialty tier drugs. Understanding these tier-based costs helps you accurately estimate your out-of-pocket expenses for more specialized treatments.
Additional Benefits
The AARP Medicare Advantage from UHC FL-001P (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth, and preventive services. Specialist visits range from no copay up to a $30 copay, while emergency room visits require a $150 copay that is waived upon hospital admission. For hospital care, inpatient acute stays require a $295 daily copay for the first six days, after which there is no copay or coinsurance. Essential healthcare needs like routine eye exams, annual hearing tests, and preventive dental cleanings are covered with no copays or coinsurance. While comprehensive dental is not covered, the plan provides coverage for contact lenses or frames with no copay, and prescription hearing aids with copays starting at $199. Additionally, home health services require no copay, while durable medical equipment and dialysis services carry a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-001P (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $295 daily copay for days 1 through 6 and no copay for days 7 through 90. Unlimited additional acute care days are covered with 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-001P (HMO-POS) with no coinsurance, featuring a copay of $0 to $295 for outpatient hospital services and a $295 daily copay for observation services. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-001P (HMO-POS) covers partial hospitalization services with a $55 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-001P (HMO-POS) covers ground and air ambulance services with a $150 copay and no coinsurance. For transportation, some services are covered, but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC FL-001P (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 are covered with a copay ranging from $0 to $65 and no coinsurance, while worldwide emergency, urgent, and transportation services feature no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC FL-001P (HMO-POS) provides primary care and telehealth visits with no copay and no coinsurance, while specialist visits have a $0 to $30 copay and no coinsurance. Physical, occupational, and speech therapies require a $20 copay and no coinsurance, mental health services have copays up to $25 with no coinsurance, and chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC FL-001P (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered benefits such as annual physical exams, fitness benefits, kidney disease education, and glaucoma screenings. Sub-services that are not covered include 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, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, home and bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FL-001P (HMO-POS), including one annual routine hearing exam with no copay and no coinsurance, but excluding hearing aid fitting and evaluations. Some prescription hearing aid services are covered with a $199 to $1,249 copay and no coinsurance for up to two devices yearly, though inner ear, outer ear, and over the ear devices are not covered. 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
AARP Medicare Advantage from UHC FL-001P (HMO-POS) partially covers vision services with no deductible, offering one routine eye exam per year and contact lenses or frames with no copay and no coinsurance. Eyeglass lenses are covered with no coinsurance and a copay of $0 to $153 up to a $300 combined limit every two years, but other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FL-001P (HMO-POS), which offers Medicare-covered dental care with no copay and a 20% coinsurance. Preventive services such as oral exams, cleanings, fluoride, and x-rays are covered with no copay and no coinsurance, while comprehensive services like restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FL-001P (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin is covered with a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC FL-001P (HMO-POS) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-001P (HMO-POS) covers durable medical equipment, prosthetics, and diabetic equipment with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FL-001P (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Lab services and diagnostic radiology have no copay, while outpatient X-rays and diagnostic procedures carry a $5 copay, and therapeutic radiology services require a minimum copay of $30.
Home Health Services See details
AARP Medicare Advantage from UHC FL-001P (HMO-POS) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the AARP Medicare Advantage from UHC FL-001P (HMO-POS) plan with no copay and no coinsurance, though in practice only some services are covered as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC FL-001P (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. This benefit features 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
Other Services are partially covered by AARP Medicare Advantage from UHC FL-001P (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 under this benefit.
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