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AARP Medicare Advantage from UHC IL-0001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IL-0001 (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 IL-0001 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Chicago Metro Area. 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 IL-0001 (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 IL-0001 (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 IL-0001 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $37.00. 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 $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 $2900.00 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 IL-0001 (HMO-POS) plan features a $440 annual drug deductible. You will enjoy no copay for Tier 1 preferred generic drugs at standard pharmacies and through mail order. For Tier 2 generic medications, there is an $8 copay for a one-month supply at standard pharmacies, but you can get a three-month supply with no copay through preferred mail order. For brand-name and specialty medications, your out-of-pocket costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance for both one-month and three-month supplies. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 42% and 28% coinsurance, respectively, for a one-month supply at standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage from UHC IL-0001 (HMO-POS) plan offers comprehensive medical coverage with no copays or coinsurance for primary care visits, telehealth, and preventive services. Specialist visits require low copays ranging from no copay to $25, while emergency room visits have a $150 copay. For hospital stays, members pay a $295 daily copay for the first seven days of inpatient care and no copay for days eight through 90. This plan also includes valuable dental, vision, and hearing benefits, featuring up to $2,500 in annual dental coverage and no copays for routine eye and hearing exams. Prescription hearing aids are available with copays ranging from $199 to $1,249, and home health services are covered with no copay. Other essential services, such as durable medical equipment and dialysis, generally require a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $295 daily copay for days 1 through 7 and no copay for days 8 through 90 for both acute and psychiatric stays. While unlimited additional acute stay days are covered with no copay, additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers outpatient services with no coinsurance, featuring copays of $0 to $295 for outpatient hospital services and a $295 daily copay for observation services. Ambulatory surgical center and blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions have no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers ground and air ambulance services with a $275 copayment and no coinsurance, with prior authorization required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Emergency services under the AARP Medicare Advantage from UHC IL-0001 (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 require a copay of $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
Primary Care benefits for AARP Medicare Advantage from UHC IL-0001 (HMO-POS) feature no copay and no coinsurance for primary care provider visits and telehealth. Specialist visits, therapy, and mental health services require copays ranging from $0 to $25 with no coinsurance, and while some chiropractic services are covered, routine and other chiropractic services are not.
Preventive Services See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, glaucoma screenings, and fitness benefits, with no copay and no coinsurance. Additional preventive services are partially covered, as options like health education, nutritional/dietary benefits, in-home support services, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IL-0001 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation services are not covered. The plan also covers up to two OTC hearing aids per year with a $199 to $829 copay and up to two prescription hearing aids with a $199 to $1,249 copay—both with no coinsurance—excluding inner ear, outer ear, and over-the-ear prescription models.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC IL-0001 (HMO-POS) with no deductible or coinsurance, featuring no copay for an annual routine eye exam, contact lenses, and eyeglass frames. Eyeglass lenses are covered with a copay of $0 to $153 under a $300 combined eyewear limit every two years, while other eye exams, 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 IL-0001 (HMO-POS), offering up to $2,500 in annual coverage with no copay and no coinsurance for preventive care. Medicare-covered dental services have no copay and 20% coinsurance, while covered comprehensive services require no copay and 50% coinsurance; however, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Under this plan, Medicare Part B chemotherapy, radiation, and other drugs have 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
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require 20% coinsurance, with prior authorization required for medical equipment.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Diagnostic tests require a $50 copay with no coinsurance, lab services and diagnostic radiology have no copay, outpatient x-rays have a $30 copay, and therapeutic radiology has a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC IL-0001 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) does not cover Cardiac Rehabilitation Services. In practice, there is no coverage, copay, or coinsurance for cardiac, intensive cardiac, pulmonary, or supervised exercise therapy (SET) rehabilitation services under this plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC IL-0001 (HMO-POS) with no coinsurance and no prior three-day hospital stay required. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with prior authorization required.
Other Services See details
AARP Medicare Advantage from UHC IL-0001 (HMO-POS) partially covers other services, offering select over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered.
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