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AARP Medicare Advantage from UHC FL-0011 (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-0011 (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-0011 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Tallahassee. 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-0011 (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-0011 (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-0011 (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-0011 (HMO-POS) plan features an annual drug deductible of $270. Under this plan, you will have no copay for Tier 1 preferred generic and Tier 2 generic medications when using standard pharmacies or standard mail order. This ensures that essential, everyday prescriptions remain highly affordable for members. For higher-tier medications, cost sharing shifts to coinsurance percentages for standard pharmacies and mail order options. Tier 3 preferred brand drugs require a 23% coinsurance, while Tier 4 non-preferred drugs carry a 43% coinsurance. Tier 5 specialty drugs are subject to a 30% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0011 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth services, and annual physical exams. Specialist visits require a copay of up to $35, while emergency room visits and ambulance services both carry a flat $150 copay. For hospital stays, members pay a $295 daily copay for the first seven days of inpatient care, with no copay for subsequent days up to day 90. Routine preventive dental care, annual hearing exams, and yearly vision exams are all covered with no copay, though advanced dental services are not covered. The plan also provides a $300 eyewear allowance every two years with no copay, while prescription hearing aids require copays ranging from $199 to $1,249. Additionally, medical equipment, dialysis, and Medicare Part B drugs generally require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $295 daily copay for days 1 through 7 and no copay for days 8 through 90. Prior authorization is required, and while unlimited additional days for acute stays are covered with no copay, psychiatric additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital services carry a copay of $0 to $295, and outpatient substance abuse sessions have a copay of up to $25, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage from UHC FL-0011 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance services under the AARP Medicare Advantage from UHC FL-0011 (HMO-POS) plan are covered with a $150 copay and no coinsurance for both ground and air transportation, though prior authorization is required. While some transportation services are covered, trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services require a copay of $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
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a copay of up to $35 and no coinsurance. Therapy, podiatry, and mental health services have copays ranging up to $35 with no coinsurance, and while some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC FL-0011 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, kidney disease education, and diabetes self-management. However, several sub-services are not covered, including 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, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) partially covers hearing services with no deductible, offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are excluded. Up to two prescription hearing aids per year are covered with no coinsurance and a copay of $199.00 to $1,249.00, and OTC hearing aids have a copay of $199.00 to $829.00 with no coinsurance, though inner, outer, 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-0011 (HMO-POS) with no deductibles or coinsurance, offering one annual routine eye exam with no copay, though other eye exam services are not covered. Covered eyewear includes a $300 limit every two years with no copay for contacts and frames, and a $0 to $153 copay for lenses, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) partially covers dental services, offering Medicare-covered dental care with no copay and 20% coinsurance. Preventive services like oral exams, cleanings, fluoride, and x-rays are available with no copay and no coinsurance, but restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs carry no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC FL-0011 (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 by AARP Medicare Advantage from UHC FL-0011 (HMO-POS), offering 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 or inserts require a 20% coinsurance, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC FL-0011 (HMO-POS) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $5 copay for diagnostic procedures and outpatient X-rays, and copays starting at $0 for diagnostic radiology and $30 for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) 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-0011 (HMO-POS) with no copay and no coinsurance, but some services are covered while cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC FL-0011 (HMO-POS) with no coinsurance and without requiring a prior 3-day hospital stay. Patients pay no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, with prior authorization required and no coverage provided for additional days.
Other Services See details
AARP Medicare Advantage from UHC FL-0011 (HMO-POS) partially covers other services, providing a meal benefit for chronic illness 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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