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AARP Medicare Advantage Essentials from UHC IN-15 (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-15 (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-15 (HMO-POS) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC IN-15 (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 2025.
It's important to know that AARP Medicare Advantage Essentials from UHC IN-15 (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-15 (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-15 (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 $340.00 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 $4500.00 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 Essentials from UHC IN-15 (HMO-POS) plan has a $340.00 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy you use. For example, in the initial coverage phase, you'll pay a $12.00 copay for a preferred generic drug at a standard pharmacy. The plan offers an enhanced alternative drug benefit, so it's important to check the plan's formulary for specific drug coverage.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC IN-15 (HMO-POS) plan offers a wide range of health benefits with varying costs. The plan covers inpatient hospital stays with a copay, outpatient services with copays depending on the specific service, and emergency services with a copay. Additionally, you'll find coverage for primary care, preventive services, and hearing and vision services, often with no copay for routine exams. This plan also includes dental coverage, home health services with no copay, and medical equipment with coinsurance. Diagnostic and radiological services come with copays or coinsurance, and skilled nursing facility stays have a copay after the initial 20 days. Other benefits include coverage for OTC items and a meal benefit, both with no copay, while some services, like cardiac rehabilitation, are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a copay of $370 for days 1-5 and no copay for days 6-90 for Inpatient Hospital-Acute and Psychiatric services, and additional days 91-999 have 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 $370, Observation Services with a $370 copay, and Ambulatory Surgical Center (ASC) Services with no copay. Outpatient Substance Abuse Services include Individual Sessions with a copay between $0 and $25, and Group Sessions with a $15 copay. Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage Essentials from UHC IN-15 (HMO-POS) plan. You will pay a $55 copay for this benefit, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage Essentials from UHC IN-15 (HMO-POS), including both ground and air ambulance services. Ground and air ambulance services have a copay of $275, with no coinsurance, while transportation services to health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency services have a $125 copay, while urgently needed services have a copay between $0 and $55. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
The AARP Medicare Advantage Essentials from UHC IN-15 (HMO-POS) plan covers primary care services with no copay, chiropractic services with a $20 copay, and occupational therapy services with a copay between $0 and $30. The plan also covers physician specialist services with a copay between $0 and $35, mental health specialty services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, and podiatry services with a $35 copay. Additionally, the plan covers other health care professional services, psychiatric services, and physical therapy and speech-language pathology services with varying copays, along with additional telehealth benefits and opioid treatment program services with no copay.
Preventive Services See details
Preventive services include Medicare-covered services with no copay, an annual physical exam with no copay, and additional preventive services with a copay. The plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, remote access technologies and counseling services. Kidney disease education services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit are covered with no copay.
Hearing Services See details
Hearing services include routine hearing exams with no copay, and prescription hearing aids with a copay between $199 and $1249, depending on the type of aid. OTC hearing aids are covered with a copay between $99 and $829. Fitting/evaluation for hearing aids, and prescription hearing aids (inner ear, outer ear, and over the ear) are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year, while eyewear has a combined maximum plan benefit of $250 every two years, with contact lenses and eyeglass frames having no copay and eyeglass lenses having a copay of $0-$153.
Dental Services See details
The AARP Medicare Advantage Essentials from UHC IN-15 (HMO-POS) plan covers dental services, including oral exams, dental x-rays, other diagnostic and preventive services, and cleanings with no copay. Medicare dental services have a 20% coinsurance, and other dental services are covered up to a maximum of $1000 per year. Orthodontic services are covered under diagnostic and preventive dental. Prosthodontics and fixed prosthodontics have a coinsurance of 0-50%, and implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the AARP Medicare Advantage Essentials from UHC IN-15 (HMO-POS) plan. Medicare Part B Insulin Drugs have a $35 copay with a coinsurance between 0% and 20%, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered with a coinsurance of 20%. Prior authorization is required.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics, Medical Supplies, and Diabetic Equipment, is covered. You will pay 20% coinsurance for DME, Prosthetic Devices, Medical Supplies, and Diabetic Therapeutic Shoes/Inserts. Diabetic Supplies have no copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for diagnostic procedures and tests with a $50 copay, lab services with no copay, diagnostic radiological services with a copay up to $225, therapeutic radiological services with 20% coinsurance, and outpatient X-ray services with a $25 copay. All services require prior authorization.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Essentials from UHC IN-15 (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 not covered by the AARP Medicare Advantage Essentials from UHC IN-15 (HMO-POS) plan, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Essentials from UHC IN-15 (HMO-POS) plan with prior authorization required. For days 1-20, there is no copay, and for days 21-100, the copay is $203 per day; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
The "Other Services" benefit includes coverage for Over-the-Counter (OTC) items and a meal benefit. OTC items have no copay, while the meal benefit also has no copay and requires prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and a variety of additional services are not covered.
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