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AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC KC-2 (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 Extras from UHC KC-2 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Missouri and Kansas. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Extras from UHC KC-2 (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 Extras from UHC KC-2 (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 Extras from UHC KC-2 (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 $5900.00 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 Extras from UHC KC-2 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) plan features an annual drug deductible of $520. Under this plan, Tier 1 preferred generic drugs are available with no copay for standard pharmacy fills and mail orders. Tier 2 generic medications cost a $10 copay for a 1-month supply at standard pharmacies, but they feature no copay for a 3-month supply when ordered through preferred mail order. Higher-tier prescriptions require coinsurance rather than set copays during the initial coverage phase. Tier 3 preferred brand drugs have a 16% coinsurance, while Tier 4 non-preferred drugs require a 39% coinsurance for a 1-month supply. Specialty medications in Tier 5 are covered with a 27% coinsurance for a 1-month supply at standard pharmacies and through mail order.
Additional Benefits
The AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) plan offers comprehensive healthcare coverage with no copay for primary care visits, telehealth services, and annual preventive exams. Specialist office visits and urgent care services feature low copays ranging from zero to fifty dollars, while emergency room visits require a one hundred thirty dollar copay. For inpatient hospital stays, members pay a four hundred fifty-five dollar daily copay for the first several days, with no copay required for subsequent days. This plan also features robust additional benefits, including routine dental care with no copay up to a four thousand dollar annual limit and routine vision and hearing exams with no copay. While durable medical equipment and dialysis services require a twenty percent coinsurance, members pay no copay for home health services and over-the-counter items. Covered prescription hearing aids and eyewear are also available with affordable copays and generous benefit limits.
Inpatient Hospital See details
Inpatient hospital care under the AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) is covered with no coinsurance, requiring a $455 copay for days 1-6 of acute stays (no copay for days 7 and beyond) and a $455 copay for days 1-5 of psychiatric stays (no copay for days 6-90). Prior authorization is required, and sub-services such as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) covers outpatient services with no coinsurance, including outpatient hospital services with a $0 to $455 copay and observation services with a $455 daily copay. Ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse services carry a copay of up to $25 per session with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
The AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $50 copay with no coinsurance. Physical, occupational, and speech therapies have a $35 copay with no coinsurance, and mental health services range up to a $25 copay, though chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) with no copay and no coinsurance for annual exams, kidney education, and fitness benefits. However, additional preventive services are only partially covered, excluding health education, in-home safety assessments, PERS, medical nutrition therapy, 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 access, and counseling.
Hearing Services See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) provides partially covered hearing services, including one annual routine hearing exam with no copay and no coinsurance, though hearing aid fitting and evaluation is not covered. Covered prescription hearing aids require a $199 to $1,249 copay, while OTC hearing aids require a $199 to $829 copay, both with no coinsurance and a limit of two devices per year.
Vision Services See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) partially covers vision services, offering one routine eye exam per year with no copay and no coinsurance, while other eye exam services are not covered. Eyewear is also partially covered with no coinsurance and a $200 maximum limit every two years, featuring contact lenses and frames with no copay, and lenses with a $0 to $153 copay, though upgrades and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS), with implant services and orthodontics excluded from coverage. Preventive and diagnostic benefits feature no copay and no coinsurance up to a $4,000 yearly limit, whereas Medicare-covered dental services have no copay and 20% coinsurance, and comprehensive services carry no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) 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 is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are also covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for most equipment and supplies.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Diagnostic services feature no coinsurance, offering lab services with no copay and diagnostic procedures for a $55 copay. Radiological services include outpatient X-rays with a $30 copay and coinsurance, diagnostic radiology with no copay, and therapeutic radiology with a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Extras from UHC KC-2 (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 Extras from UHC KC-2 (HMO-POS) does not cover Cardiac Rehabilitation Services in practice, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are all not covered. Although the category technically features no copay and no coinsurance with prior authorization required, none of these individual sub-services are covered by the plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and no required prior hospital stay, though prior authorization is required. Members pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture and other services in this category are not covered.
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