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AARP Medicare Advantage from UHC FL-0015 (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-0015 (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-0015 (HMO-POS) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Palm Beach County. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage from UHC FL-0015 (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-0015 (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-0015 (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 $16.00. 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 $175.00 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-0015 (HMO-POS) plan has a $175 deductible for prescription drugs. After the deductible is met, you'll pay a copay or coinsurance depending on the drug tier and pharmacy. For preferred generic drugs, there is no copay. For standard generic drugs, the copay is $47.00. Preferred and standard brand drugs have a copay of $100.00. Non-preferred drugs have a 31% coinsurance. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan offers a variety of benefits with varying cost-sharing. Inpatient hospital stays have a $150 copay for days 1-5, with no copay for days 6-90, while outpatient services and emergency services have copays between $0 and $150. The plan also includes coverage for primary care, preventive services, hearing, vision, and dental services, often with no copay, alongside additional services like home health and skilled nursing facilities, which may have copays or coinsurance. This plan provides coverage for ambulance services with a $275 copay and covers services such as diagnostic and radiological services, medical equipment, and home infusion with copays or coinsurance. The plan also covers partial hospitalization with a $20 copay, and cardiac rehabilitation services. However, it's important to note that some services, like certain types of hearing aids, and other services, are not covered.
Inpatient Hospital See details
Inpatient Hospital services, including acute and psychiatric care, are covered with a $150 copay for days 1-5 and no copay for days 6-90; additional days for inpatient hospital-acute are covered with no copay. Non-Medicare-covered stays and upgrades for inpatient hospital-acute and additional days for inpatient hospital psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a copay between $0 and $150, Observation Services with a $150 copay, Ambulatory Surgical Center (ASC) Services with no copay, Outpatient Substance Abuse Services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, and Outpatient Blood Services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan. This benefit requires prior authorization and has a $20 copay.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan. Both ground and air ambulance services have a copay of $275, and there is no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan. Emergency Services have a $140 copay, Urgently Needed Services have a copay between $0 and $20, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have no copay.
Primary Care See details
The AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan covers primary care physician services with no copay, and chiropractic services with a $20 copay. Occupational therapy services have a copay between $0 and $10, while physician specialist services have a copay between $0 and $10. Mental health specialty services, podiatry services, other health care professional services, psychiatric services, and opioid treatment program services all have varying copays depending on the specific service. Physical therapy and speech-language pathology services have a copay between $0 and $10, and additional telehealth benefits have no copay.
Preventive Services See details
Preventive services include annual physical exams with no copay, additional preventive services (including fitness benefits) with no copay, and kidney disease education services with no copay. Some services are covered, including glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a welcome visit, all with no copay.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are covered once per year with no copay. Prescription hearing aids are partially covered, with a copay between $199 and $1249 for all types of prescription hearing aids, and OTC hearing aids are covered with a copay between $99 and $829. Fitting/Evaluation for Hearing Aids, Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) covers vision services, including routine eye exams and eyewear. Routine eye exams have no copay, and eyewear has a combined maximum benefit of $300 every two years, with no copay for contact lenses and eyeglass frames, and a copay of $0.00 - $153.00 for eyeglass lenses.
Dental Services See details
Dental services include no copay for oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, oral and maxillofacial surgery, restorative services, endodontics, and maxillofacial prosthetics, but have a 0% - 50% coinsurance for prosthodontics (removable and fixed). Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required for these services.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment coverage. DME has a 20% coinsurance, and Prosthetic Devices also have a 20% coinsurance; Medical Supplies have no copay, and Diabetic Supplies have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and tests with a copay of $15, lab services with no copay, and diagnostic radiological services with a copay up to $110. Therapeutic radiological services have a copay of $25 or more, and outpatient X-ray services have a $5 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $150.
Other Services See details
Other Services includes a meal benefit with no copay, but acupuncture, over-the-counter items, Dual Eligible SNPs, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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