A non-government entity
AARP Medicare Advantage from UHC IL-2 (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-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 from UHC IL-2 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IL-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 Illinois. 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-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 from UHC IL-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 from UHC IL-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 $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:
Sign up for AARP Medicare Advantage from UHC IL-2 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC IL-2 (HMO-POS) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, you will pay no copay for standard pharmacy or mail order fills. Tier 2 generic drugs cost a $12 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay through preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 41% coinsurance for a 1-month supply. Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply at both standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage from UHC IL-2 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, preventive screenings, and home health services. For acute inpatient hospital stays, you will pay a $395 daily copay for days one through seven, followed by no copay for additional days. Specialist visits, mental health sessions, and physical therapies are highly accessible, requiring either no copay or a copay up to $40 with no coinsurance. Routine dental, vision, and hearing exams are also fully covered with no copay, while prescription hearing aids require a copay between $199 and $1,249. Durable medical equipment, prosthetics, and dialysis services are covered with a 20% coinsurance and no copay. Additionally, members benefit from no copay on diagnostic lab services, diabetic supplies, and over-the-counter items to help manage everyday health expenses.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IL-2 (HMO-POS) covers inpatient hospital services with no coinsurance, though prior authorization is required and certain services like upgrades and non-Medicare-covered stays are not covered. For acute care, you pay a $395 daily copay for days 1-7 and no copay for additional days, while psychiatric stays require a $395 daily copay for days 1-6 and no copay for days 7-90.
Outpatient Services See details
Outpatient services covered by the AARP Medicare Advantage from UHC IL-2 (HMO-POS) plan feature no coinsurance, with ambulatory surgical center and blood services available at no copay. Outpatient hospital and observation services require a copay ranging from $0 to $395, while outpatient substance abuse services have copays between $0 and $25, with prior authorization required for most services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IL-2 (HMO-POS) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage from UHC IL-2 (HMO-POS), featuring a $275 copay and no coinsurance for both ground and air ambulance transportation. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC IL-2 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay ranging from $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
AARP Medicare Advantage from UHC IL-2 (HMO-POS) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits, mental health sessions, and physical, occupational, or speech therapies are covered with no coinsurance and copays ranging from $0 to $40, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC IL-2 (HMO-POS) covers preventive services, including annual physicals, kidney disease education, and select screenings, with no copay and no coinsurance. Additional preventive services are partially covered, but 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, palliative care, in-home support, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IL-2 (HMO-POS), which offers one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a copay of $199.00 to $1,249.00 and no coinsurance (excluding inner ear, outer ear, and over the ear types), while up to two OTC hearing aids are covered with a copay of $199.00 to $829.00 and no coinsurance.
Vision Services See details
AARP Medicare Advantage from UHC IL-2 (HMO-POS) provides partially covered vision services, offering one routine eye exam annually with no copay or coinsurance, while other eye exams are not covered. Covered eyewear features no coinsurance and a $300 combined maximum limit every two years, with no copay for contact lenses or frames and a $0 to $153 copay for eyeglass lenses, though upgrades and packaged eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC IL-2 (HMO-POS) plan, offering preventive care like exams, cleanings, fluoride, and x-rays with no copay and no coinsurance, while Medicare-covered dental services require no copay and a 20% coinsurance. Major services, including restorative treatments, endodontics, periodontics, prosthodontics, implants, orthodontics, and oral surgery, are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC IL-2 (HMO-POS) with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs feature no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC IL-2 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC IL-2 (HMO-POS) covers durable medical equipment (DME) and prosthetics with no copay and 20% coinsurance. Diabetic therapeutic shoes carry a 20% coinsurance, diabetic supplies are covered with no copay, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC IL-2 (HMO-POS), though prior authorization is required. Lab services have no copay and no coinsurance, diagnostic tests require a $50 copay, outpatient X-rays have a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC IL-2 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage from UHC IL-2 (HMO-POS) plan, as none of the sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy, are covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC IL-2 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and while a three-day prior hospital stay is not necessary, additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC IL-2 (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, and prior authorization is required for the meal benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved