A non-government entity
AARP Medicare Advantage from UHC FL-0013 (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-0013 (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-0013 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Citrus, Hernando and Levy 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-0013 (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-0013 (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-0013 (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 $10.00. 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 $3500.00 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:
Sign up for AARP Medicare Advantage from UHC FL-0013 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC FL-0013 (HMO-POS) plan features an annual drug deductible of $270. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs when using standard pharmacies or standard mail order services. This makes managing everyday prescriptions highly affordable with predictable, budget-friendly costs. For higher-tier medications, cost-sharing transitions to coinsurance. You will pay a 21% coinsurance for Tier 3 preferred brand drugs, a 44% coinsurance for Tier 4 non-preferred drugs, and a 30% coinsurance for Tier 5 specialty drugs. These coinsurance rates apply to standard pharmacy and standard mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0013 (HMO-POS) plan offers comprehensive medical coverage with predictable out-of-pocket costs. Members enjoy no copay for primary care visits, preventive services, and routine annual physicals, while specialist visits require a copay of up to $25. For hospital stays, there is no coinsurance, though inpatient care requires a $195 daily copay for the first six days and no copay for subsequent days. This plan also features robust supplemental benefits, including an annual dental limit of up to $4,000 with no copay for preventive services and a 50% coinsurance for comprehensive care. Routine vision and hearing exams are available with no copay, and the plan provides a $300 eyewear allowance every two years alongside coverage for hearing aids. Additionally, skilled nursing facility stays require no copay for the first 20 days, and home health services are fully covered with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) offers partially covered inpatient hospital benefits with no coinsurance, requiring a $195 daily copay for days 1 to 6 and no copay for days 7 to 90 for both acute and psychiatric stays. Unlimited additional acute hospital days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $195 with no coinsurance, and outpatient substance abuse sessions have copays ranging from $0 to $25 with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) covers ground and air ambulance services with a $150 copay and no coinsurance, subject to prior authorization. While some transportation services are covered, transport to plan-approved or any health-related locations is not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC FL-0013 (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 feature a copay ranging from $0 to $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) covers primary care physician services, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits have a $0 to $25 copay, therapy services have a $10 copay, and podiatry has a $25 copay, all with no coinsurance. Chiropractic services are partially covered with a $20 copay and no coinsurance, but routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC FL-0013 (HMO-POS) with no copay and no coinsurance for annual physicals, fitness benefits, kidney disease education, and diabetes self-management. However, the plan does not cover 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, tobacco cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety devices, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) provides partial coverage for hearing services, including one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Prescription hearing aids are covered up to two per year with a $199 to $1,249 copay and no coinsurance, though inner ear, outer ear, and over-the-ear models are excluded. Up to two OTC hearing aids are also covered yearly with a copay of $199 to $829 and no coinsurance.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC FL-0013 (HMO-POS), featuring no coinsurance and no copay for one routine yearly eye exam, though other eye exam services are not covered. Eyewear is covered up to a $300 combined limit every two years with no coinsurance, offering no copay for contact lenses 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-0013 (HMO-POS) offers partially covered dental services with an annual maximum of $4,000, though implant services and orthodontics are not covered. Preventive services feature no copay and no coinsurance, while covered comprehensive services require no copay and 50% coinsurance, and Medicare-covered dental services have no copay and 20% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry a coinsurance ranging from no coinsurance up to 20%, while Part B insulin requires a $35 copay and up to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC FL-0013 (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
AARP Medicare Advantage from UHC FL-0013 (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 under the AARP Medicare Advantage from UHC FL-0013 (HMO-POS) plan with no coinsurance, though prior authorization is required. Members pay no copay for lab services and diagnostic radiology, a $5 copay for diagnostic procedures and outpatient X-rays, and a minimum $40 copay for therapeutic radiology.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC FL-0013 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are not covered under the AARP Medicare Advantage from UHC FL-0013 (HMO-POS) plan because none of the associated sub-services, including intensive cardiac, pulmonary, and SET for PAD rehabilitation, are covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0013 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by 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 under AARP Medicare Advantage from UHC FL-0013 (HMO-POS) are partially covered, 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.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved