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AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Essentials from UHC IN-10 (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 Essentials from UHC IN-10 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Indiana. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Essentials from UHC IN-10 (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 Essentials from UHC IN-10 (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 Essentials from UHC IN-10 (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 $14.00. 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 $3900.00 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 Essentials from UHC IN-10 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) plan features an annual drug deductible of $440. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs when filled as 1-month or 3-month supplies at standard pharmacies, or as 3-month standard mail orders. This provides an affordable option for individuals who rely on common generic medications. For brand-name and specialty medications, costs are structured as coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 20% coinsurance, while Tier 4 non-preferred drugs carry a 41% coinsurance for 1-month supplies. Tier 5 specialty tier medications require a 28% coinsurance for 1-month fills at standard pharmacies and through standard mail order.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, telehealth services, and annual preventive care. For hospital and emergency needs, inpatient stays require a $425 daily copay for the first five days followed by no copay, while emergency room visits and ambulance services carry a flat $150 copay. Outpatient services and diagnostic laboratory tests are also highly affordable, with many services requiring no copay. Ancillary benefits include routine vision, hearing, and preventive dental care with no copay, alongside home health services covered at no cost. Skilled nursing facility stays feature no copay for the first 20 days, and durable medical equipment and dialysis are covered with a standard twenty percent coinsurance and no copay. This plan provides a balanced approach to healthcare costs, eliminating copays for essential wellness visits while maintaining predictable fixed costs for major medical events.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) with no coinsurance, requiring a $425 daily copay for days 1 through 5 and no copay for days 6 and beyond. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered, and prior authorization is required.
Outpatient Services See details
AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital and observation services carry a copay of up to $425 per day, while outpatient substance abuse services range from no copay to a $25 copay per session.
Partial Hospitalization See details
AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) covers ground and air ambulance services with a $150 copay and no coinsurance, though prior authorization is required. Routine transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC IN-10 (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 require a copay of $0 to $65 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $40 copay and no coinsurance. Physical, occupational, and speech therapies have a $20 copay with no coinsurance, whereas chiropractic services are only partially covered because routine chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and a fitness benefit, with no copay and no coinsurance. However, this benefit is partially covered as sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, therapeutic massage, and home safety modifications are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation services are not covered. Up to two prescription or OTC hearing aids are covered per year with no coinsurance and copayments ranging from $199.00 to $1,249.00, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by the AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) plan, which offers routine eye exams with no copay and no coinsurance, though other eye exam services are not covered. Covered eyewear includes contact lenses and eyeglass frames with no copay, and eyeglass lenses with a $0 to $153 copay, all with no coinsurance up to a $200 limit every two years, while upgrades and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered under the AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) plan, which offers Medicare-covered dental with no copay and 20% coinsurance, and preventive care like cleanings and exams with no copay and no coinsurance. Comprehensive treatments, including restorative services, endodontics, periodontics, prosthodontics, oral surgery, and orthodontics, are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no copay and no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage Essentials from UHC IN-10 (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 services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) with no coinsurance, though prior authorization is required. Under this plan, lab services and diagnostic radiological services have no copay, outpatient X-rays and diagnostic tests require a $5 copay, and therapeutic radiological services have a minimum $20 copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) plan. This includes cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services, which are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a daily copay of $218 for days 21 through 100, though additional days beyond the standard 100-day Medicare benefit period are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS), featuring a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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