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AARP Medicare Advantage from UHC IN-13 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-13 (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 IN-13 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-13 (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 from UHC IN-13 (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 IN-13 (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 IN-13 (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.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $520.00 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:
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Drug Coverage
The AARP Medicare Advantage from UHC IN-13 (HMO-POS) plan has an annual prescription drug deductible of $520. Under this plan, Tier 1 preferred generic drugs have no copay for 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic medications cost a $10 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay through preferred mail order. For higher-tier medications, Tier 3 preferred brand drugs require a 17% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs carry a 40% coinsurance, and Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply. These structured copayments and coinsurance rates help you easily estimate your annual out-of-pocket prescription medication costs.
Additional Benefits
The AARP Medicare Advantage from UHC IN-13 (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care visits, telehealth, and home health services. Specialist visits require a copay of up to $40, while inpatient hospital stays carry a $395 daily copay for the first six days and no copay for days seven through 90. Emergency care is available with a $150 copay, and outpatient hospital services feature copays ranging from $0 to $395 with no coinsurance. Supplemental benefits include preventive dental care, routine vision exams, and routine hearing exams with no copays or coinsurance. Prescription hearing aids and eyewear are covered with set copays and no coinsurance, while comprehensive dental services and durable medical equipment require a 20% to 50% coinsurance. Note that some services, such as cardiac rehabilitation and routine transportation, are not covered under this plan.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IN-13 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1-6 and no copay for days 7-90 per stay. Unlimited additional acute care 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 IN-13 (HMO-POS) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $395 for outpatient hospital services and a $395 daily copay for observation services. Ambulatory surgical center and blood services are covered with no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays between $0 and $25.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS) with a $55 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS) with a $275 copay and no coinsurance for both ground and air trips, though prior authorization is required. Routine transportation services to health-related or plan-approved locations are not covered.
Emergency Services See details
Emergency services for the AARP Medicare Advantage from UHC IN-13 (HMO-POS) plan are covered 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 of $0 to $65 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits for AARP Medicare Advantage from UHC IN-13 (HMO-POS) include primary care and telehealth visits with no copay and no coinsurance, and specialist visits with a $0 to $40 copay and no coinsurance. While physical and occupational therapies require a $30 copay and no coinsurance, some chiropractic services are covered but routine and other chiropractic services are not covered, and other services like mental health and podiatry have copays up to $40 with no coinsurance.
Preventive Services See details
AARP Medicare Advantage from UHC IN-13 (HMO-POS) covers preventive services, such as annual physicals, kidney disease education, diabetes training, and fitness benefits, with no copay and no coinsurance. However, additional preventive benefits are only partially covered, excluding 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 benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote technologies, home safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS), which provides routine hearing exams with no copay and no coinsurance, but fitting and evaluation services are not covered. Prescription hearing aids (excluding inner ear, outer ear, and over the ear types) and OTC hearing aids both feature no coinsurance, with copays ranging from $199.00 to $1,249.00 and $199.00 to $829.00 respectively.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS), offering one routine eye exam per year with no copay or coinsurance, while other eye exam services are not covered. Covered eyewear includes contact lenses, frames with no copay, and eyeglass lenses with a $0 to $153 copay and no coinsurance up to a $300 limit every two years, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS), featuring no copay and no coinsurance for preventive care up to a $2,000 annual limit. Medicare-covered dental services require no copay and a 20% coinsurance, while most comprehensive services have 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 AARP Medicare Advantage from UHC IN-13 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, have a coinsurance ranging from 0% to 20%, with insulin drugs also carrying a $35 copay.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC IN-13 (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and a 20% coinsurance. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC IN-13 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Under this plan, there is no copay for lab services and diagnostic radiology, while diagnostic procedures and tests carry a $20 copay, outpatient X-rays cost $30, and therapeutic radiology services require a $60 copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC IN-13 (HMO-POS) plan, as standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not needed, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC IN-13 (HMO-POS), featuring a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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