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AARP Medicare Advantage from UHC FL-0012 (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-0012 (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-0012 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0012 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in DeSoto, Hardee and Highlands Counties. 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-0012 (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-0012 (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-0012 (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 $17.00. 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 $2900.00 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-0012 (HMO-POS) plan has an annual prescription drug deductible of $270. For Tier 1 preferred generic and Tier 2 generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies, or for a 3-month standard mail order supply. This plan offers an affordable option for individuals looking to minimize costs on common generic medications. Brand-name and specialty drugs require coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 23% coinsurance for standard pharmacy and standard mail order fills. Tier 4 non-preferred drugs and Tier 5 specialty medications carry a 43% and 30% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0012 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth services, and routine preventive care. Specialist visits feature a low copay ranging from $0 to $25, while inpatient hospital stays require a $195 daily copay for the first five days and no copay for days 6 through 90. Emergency care carries a $150 copay, which is waived upon hospital admission, and urgent care visits range from no copay to a $40 copay. For supplemental care, members enjoy no copay on routine eye exams, annual hearing exams, and preventive dental services, which are supported by up to a $3,000 annual dental limit. Diagnostic lab services and home health care are also provided with no copay, while outpatient X-rays require a low $5 copay. Durable medical equipment, prosthetics, and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0012 (HMO-POS) inpatient hospital care is partially covered with no coinsurance, requiring a $195 daily copay for days 1 to 5 and no copay for days 6 to 90. Unlimited additional acute care days are covered at no copay, but non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0012 (HMO-POS) covers outpatient services with no coinsurance, including no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital copays range from $0 to $195, while outpatient substance abuse services carry a copay of $0 to $25 depending on the session type.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0012 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the AARP Medicare Advantage from UHC FL-0012 (HMO-POS) plan, with Medicare-covered ground and air ambulance services requiring a $125 copay and no coinsurance. Although some transportation services are covered, transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0012 (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 feature a copay ranging from $0 to $40 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 under the AARP Medicare Advantage from UHC FL-0012 (HMO-POS) plan feature no copay and no coinsurance for primary care doctor visits and telehealth services. Specialist visits require a $0 to $25 copay, physical and occupational therapies have a $10 copay, and 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-0012 (HMO-POS) with no copay and no coinsurance for covered options such as annual physicals, fitness benefits, and safety devices. Several additional preventive 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, additional smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are covered by AARP Medicare Advantage from UHC FL-0012 (HMO-POS), providing one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are partially covered with no coinsurance and copays ranging from $199.00 to $1,249.00, excluding inner ear, outer ear, and over-the-ear prescription models.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC FL-0012 (HMO-POS), offering routine eye exams and select eyewear with no deductible, no coinsurance, and no copay, though eyeglass lenses have a copay of $0 to $153 up to a $200 limit every two years. Other eye exam services, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are covered by AARP Medicare Advantage from UHC FL-0012 (HMO-POS) with up to a $3,000 annual limit, offering preventive and diagnostic care with no copay and no coinsurance. Medicare-covered dental services require no copay and a 20% coinsurance, while covered comprehensive services have no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0012 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this plan, Medicare Part B chemotherapy and other drugs have no copay and a 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-0012 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0012 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay under brand limitations, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for most equipment.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FL-0012 (HMO-POS) covers diagnostic and radiological services with no coinsurance, subject to prior authorization. Under this plan, lab services and diagnostic radiological services have no copay, outpatient X-rays and diagnostic procedures require a $5 copay, and therapeutic radiological services have a $25 copay.
Home Health Services See details
AARP Medicare Advantage from UHC FL-0012 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are provided with no copay and no coinsurance under the AARP Medicare Advantage from UHC FL-0012 (HMO-POS) plan, although in practice, only some services are covered while 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-0012 (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, while additional days beyond standard Medicare coverage are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC FL-0012 (HMO-POS), featuring over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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