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AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx MO-MA01 (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 Patriot No Rx MO-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx MO-MA01 (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 Illinois. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx MO-MA01 (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 Patriot No Rx MO-MA01 (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 $150.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $4900.00 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 Patriot No Rx MO-MA01 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth, and routine preventive services. For specialized care, members pay no coinsurance and low copays ranging from $0 to $50 for specialist visits, physical therapy, and mental health services. Inpatient hospital stays require a daily copay of $455 for the first several days with no copay thereafter, while emergency services carry a $130 copay. Dental benefits include no copay for covered services up to a $4,000 annual maximum, though comprehensive care requires a 50% coinsurance. Routine vision and hearing exams are available with no copay and no coinsurance, while prescription hearing aids require copays starting at $199. Durable medical equipment, prosthetics, and dialysis services are also covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits are covered by the AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) with no coinsurance, though prior authorization is required. Acute stays require a $455 daily copay for days 1 to 6 (no copay for days 7 and beyond), while psychiatric stays require a $455 daily copay for days 1 to 5 (no copay for days 6 to 90). Non-Medicare-covered stays and hospital upgrades are not covered.
Outpatient Services See details
Outpatient services are covered under the AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) with no coinsurance, featuring a $0 to $455 copay for outpatient hospital services and a $455 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx MO-MA01 (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 Patriot No Rx MO-MA01 (HMO-POS) covers ground and air ambulance services with a $290 copay per service and no coinsurance, subject to prior authorization. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) with a $130 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 $50 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 Patriot No Rx MO-MA01 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance. Specialist visits, physical and occupational therapy, and mental health services are covered with copays ranging from $0 to $50 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by the AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) with no copay and no coinsurance for annual exams, kidney education, fitness benefits, home safety devices, and routine screenings. However, this benefit is only partially covered because several additional preventive services are excluded. Not covered services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs for chemotherapy-related hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) plan, excluding hearing aid fittings and evaluations, as well as inner, outer, and over-the-ear prescription hearing aids. Covered benefits include one annual routine hearing exam with no copay and no coinsurance, plus up to two prescription hearing aids (copay of $199 to $1,249) and up to two OTC hearing aids (copay of $199 to $829) per year with no coinsurance.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS), offering one annual routine eye exam and select eyewear with no coinsurance and no deductible. Benefits include contact lenses and eyeglass frames with no copay, and eyeglass lenses with a $0 to $153 copay up to a $300 limit every two years, while other eye exams, upgrades, and bundled eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) plan, featuring an annual maximum benefit of $4,000 and no copay for all covered services. Diagnostic and preventive care have no coinsurance, while Medicare-covered dental has a 20% coinsurance and comprehensive services require a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx MO-MA01 (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 have a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) plan, requiring prior authorization. Diagnostic procedures have a $55 copay and no coinsurance, lab and diagnostic radiological services feature no copay and no coinsurance, outpatient X-rays require a $30 copay and coinsurance, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) with no copay and no coinsurance, though only some services are covered in practice. Standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered, and prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard 100-day limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Patriot No Rx MO-MA01 (HMO-POS), offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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