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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 2026, 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 4.5 out of 5 stars in 2026.
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 $9.00. 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 $440.00 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 an annual prescription drug deductible of $440. For Tier 1 preferred generic and Tier 2 generic drugs, there is no copay for 1-month and 3-month supplies at standard pharmacies, or for 3-month standard mail orders. This makes common generic medications highly accessible and affordable for plan members. Higher-tier medications transition to coinsurance costs during the initial coverage phase. Tier 3 preferred brand drugs require an 18% coinsurance for both standard pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 39% coinsurance, while Tier 5 specialty medications require a 28% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan offers comprehensive medical coverage with predictable costs, featuring no copay and no coinsurance for primary care visits, home health services, and preventive care. Specialist visits range from no copay to a $10 copay, while diagnostic lab services require no copay. For inpatient hospital stays, members pay a $195 daily copay for days 1 to 5 and no copay for day 6 and beyond. Additional benefits include routine dental, vision, and hearing exams with no copays, no deductibles, and no coinsurance. Prescription and over-the-counter hearing aids are covered with copays starting at $199, and eyewear is covered with a $300 limit every two years. Durable medical equipment requires a 20% coinsurance with no copay, while skilled nursing facility stays feature no copay for the first 20 days.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $195 daily copay for days 1 to 5 and no copay for days 6 and beyond. Unlimited additional days are covered for acute care, but psychiatric care is limited to 90 days, and upgrades or non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC FL-0015 (HMO-POS) with no coinsurance, featuring copays ranging from no copay to $195 for outpatient hospital services and a $195 daily copay for observation services. Ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse services require a copay of up to $25 per session with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) covers partial hospitalization services with a $20.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance services under the AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan are covered with a $275 copay and no coinsurance for Medicare-covered ground and air transportation, which requires prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC FL-0015 (HMO-POS) 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 $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-0015 (HMO-POS) features primary care and telehealth services with no copay and no coinsurance, while specialist visits range from no copay to a $10 copay with no coinsurance. Physical, occupational, speech, and podiatry therapies require a $10 copay with no coinsurance, but chiropractic services are not covered. Mental health and psychiatric sessions range from no copay to a $25 copay with no coinsurance.
Preventive Services See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. Additional preventive services are partially covered, providing a fitness benefit with no copay and no coinsurance, but excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FL-0015 (HMO-POS), which offers routine hearing exams with no copay, no coinsurance, and no deductible, though fitting and evaluation exams are not covered. Prescription hearing aids (copays of $199 to $1,249) and OTC hearing aids (copays of $199 to $829) are covered with no coinsurance, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC FL-0015 (HMO-POS) with no deductibles, no coinsurance, and no copay for annual routine eye exams. Eyewear is also partially covered with no coinsurance and a $300 limit every two years, featuring a $0 to $153 copay for lenses and no copay for frames or contacts, while other eye exams, complete eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) partially covers dental services, featuring no copay and no coinsurance for Medicare-covered dental care, oral exams, cleanings, fluoride, and x-rays. However, comprehensive dental services are not covered under this plan, including restorative care, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FL-0015 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B drugs, such as chemotherapy and radiation, require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC FL-0015 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) covers medical equipment, offering durable medical equipment, prosthetic devices, and diabetic therapeutic shoes or inserts with a 20% coinsurance and no copay. Medical supplies and diabetic supplies are also fully covered with no copay and no coinsurance, though prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Members pay no copay for lab services and diagnostic radiology, a $5 copay for outpatient X-rays, a $15 copay for diagnostic procedures and tests, and a $25 copay for therapeutic radiology.
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. Prior authorization is required to access these services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) covers some Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. However, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $150 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day hospital stay is not needed, additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-0015 (HMO-POS) partially covers other services, offering a chronic illness meal benefit with no copay and no coinsurance, although prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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