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AARP Medicare Advantage Extras from UHC ST-4 (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 ST-4 (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 ST-4 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC ST-4 (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 Extras from UHC ST-4 (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 ST-4 (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 ST-4 (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 Extras from UHC ST-4 (HMO-POS) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for 1-month or 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs require a $5 copay for a 1-month standard pharmacy supply, but you can save with no copay on a 3-month supply through preferred mail order. For higher-tier medications, the plan utilizes coinsurance rather than flat copayments. Tier 3 preferred brand drugs require an 18% coinsurance for both 1-month and 3-month fills. Tier 4 non-preferred drugs carry a 40% coinsurance, and Tier 5 specialty medications require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) plan offers comprehensive medical coverage with predictable costs, featuring no copay and no coinsurance for primary care visits, telehealth, and preventive services. For inpatient hospital stays, members pay no coinsurance and a $395 daily copay for the first seven days, with no copay required for subsequent days. Outpatient services, emergency care, and diagnostic lab tests also feature no coinsurance, though some services may require a copay, such as a $150 copay for emergency room visits. This plan also provides robust supplemental benefits, including routine dental, vision, and hearing exams with no copay and no coinsurance. Covered preventive dental care has a generous $4,000 annual maximum, while prescription eyewear is covered with a $300 limit every two years and no copay for frames or contacts. Additionally, members can access home health services, cardiac rehabilitation, and over-the-counter items with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1-7 of acute stays (no copay for days 8 and beyond) and days 1-6 of psychiatric stays (no copay for days 7-90). Prior authorization is required, and non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) feature no coinsurance, with no copay required for ambulatory surgical center and blood services. Outpatient hospital visits and substance abuse sessions also have no coinsurance, with copays ranging from no copay up to $395 and $25 respectively, while observation services require a $395 daily copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered under the AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) covers Medicare-covered ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. For transportation services, some services are covered but transportation to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) 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 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 Extras from UHC ST-4 (HMO-POS) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance. Other services feature no coinsurance with copays ranging from $0 to $50 for specialists and mental health, and $45 for therapy and podiatry, though some chiropractic services are covered but routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered under the AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) plan, offering no copay and no coinsurance for covered options like annual physicals, fitness benefits, and kidney disease education. Multiple supplemental services are not covered, including 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/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation services are not covered. Prescription and OTC hearing aids are covered up to two per year with no coinsurance and copays ranging from $199 to $1,249, although specific inner-ear, outer-ear, and over-the-ear prescription models are excluded.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS), featuring one annual routine eye exam with no copay and no coinsurance. Covered eyewear has no coinsurance and a $300 combined limit every two years, which includes contact lenses and frames with no copay and lenses with a $0 to $153 copay, while other eye exams, upgrades, and packaged eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS), with implant services and orthodontics not covered. Covered preventive and diagnostic dental services require no copay and no coinsurance up to a $4,000 annual maximum, while Medicare-covered dental services require no copay and a 20% coinsurance, and other covered comprehensive services require no copay and a 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization and step therapy may be required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have between no coinsurance and 20% coinsurance, while Part B insulin has a $35 copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic therapeutic shoes, with no copays and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) with no coinsurance, though prior authorization is required. Covered benefits feature no copay for lab services and diagnostic radiology, a $25 copay for outpatient X-rays, a $30 copay for diagnostic tests, and a $60 copay for therapeutic radiology.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. Although some services are covered, the plan does not cover cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, or supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) with no coinsurance, as additional days beyond the Medicare-covered limit are not covered. There is no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and prior authorization is required.
Other Services See details
AARP Medicare Advantage Extras from UHC ST-4 (HMO-POS) partially covers other services, offering over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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