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Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) in 2026, please refer to our full plan details page.
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Greater New Orleans and Baton Rouge area. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Peoples Health Medicare Advantage Patriot No Rx LA (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 Peoples Health Medicare Advantage Patriot No Rx LA (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 $175.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6700.00 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
Prescription drugs are not covered by Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS).
Additional Benefits
The Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) plan offers comprehensive medical coverage with many essential services featuring no copay. You will pay no copay for primary care visits, telehealth, preventive care, and annual routine vision and hearing exams. For more intensive care, inpatient hospital stays require a $350 daily copay for the first eight days of acute stays, while emergency room visits carry a $130 copay that is waived if you are admitted. Specialist visits require a copay of up to $55, and dental care includes a $5,000 annual maximum with no copay for preventive services. Durable medical equipment, dialysis, and therapeutic radiology services require a 20% coinsurance with no copay. Additionally, skilled nursing facility stays have no copay for the first 20 days, and home health services are covered with no copay and no coinsurance.
Inpatient Hospital See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $350 daily copay for days 1 through 8 of acute stays (with no copay for additional days) and a $350 daily copay for days 1 through 6 of psychiatric stays (with no copay for days 7 through 90). This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital and observation services require a copay ranging from no copay up to $350, while outpatient substance abuse services have a copay of up to $25 per session.
Partial Hospitalization See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS), offering Medicare-covered ground and air ambulance services for a $275 copay per service with no coinsurance, subject to prior authorization. Non-emergency transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Physical, occupational, and speech therapy services carry a $50 to $55 copay with no coinsurance, but chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services under the Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) plan are covered with no copays and no coinsurance, including annual physical exams, kidney disease education, and fitness benefits. However, additional preventive services are only partially covered, with options like health education, personal emergency response systems (PERS), and nutritional counseling not covered.
Hearing Services See details
Hearing services are partially covered by Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS), which offers one routine hearing exam per year with no copay, no coinsurance, and no deductible, though fitting and evaluation exams are not covered. The plan also covers up to two prescription or OTC hearing aids per year with no coinsurance and copays ranging from $199 to $1,249, but inner ear, outer ear, and over-the-ear prescription models are excluded.
Vision Services See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) offers partially covered vision services with no deductible or coinsurance, featuring no copay for one annual routine eye exam and contact lenses. Eyeglass frames and lenses are covered every two years up to a $250 combined limit with a $0 to $153 copay, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) provides partially covered dental services with an annual maximum benefit of $5,000, featuring no copay and no coinsurance for preventive care like cleanings and exams. Medicare-covered dental services require no copay and a 20% coinsurance, while covered comprehensive services require no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry no copay and no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Peoples Health Medicare Advantage Patriot No Rx LA (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
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) covers durable medical equipment and prosthetics with no copay and a 20% coinsurance. Diabetic equipment, supplies, and therapeutic shoes are also covered with no copay and no coinsurance, though prior authorization is required and manufacturer limitations apply.
Diagnostic and Radiological Services See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) covers diagnostic and radiological services, with prior authorization required for both. Diagnostic procedures and tests have a $50 copay, outpatient X-rays require a $30 copay, and therapeutic radiological services have a 20% coinsurance, while lab and diagnostic radiological services are available with no copay and no coinsurance.
Home Health Services See details
Home health services are covered by Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) provides coverage for cardiac rehabilitation services with no copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Peoples Health Medicare Advantage Patriot No Rx LA (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, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) partially covers other services, offering over-the-counter items and chronic illness meals with no copay and no coinsurance. Acupuncture is not covered, and prior authorization is required for the meal benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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