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AARP Medicare Advantage from UHC IN-19 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-19 (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 IN-19 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-19 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Indiana. 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 IN-19 (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 IN-19 (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 IN-19 (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 $600.00 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 $6700.00 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 IN-19 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage from UHC IN-19 (HMO-POS) plan has an annual prescription drug deductible of $600. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs when using a standard pharmacy or standard mail order. For higher-tier medications, you will pay a coinsurance instead of a flat copay. This includes a 21% coinsurance for Tier 3 preferred brand drugs, a 40% coinsurance for Tier 4 non-preferred drugs, and a 26% coinsurance for Tier 5 specialty drugs at standard pharmacies and through standard mail order.
Additional Benefits
The AARP Medicare Advantage from UHC IN-19 (HMO-POS) plan offers robust coverage with no copays and no coinsurance for primary care visits, annual physicals, and home health services. For more specialized care, specialist visits feature copays ranging from no copay up to $60, while inpatient hospital stays require a $550 daily copay for the first few days before transitioning to no copay. Emergency room visits carry a $130 copay, which is waived if you are admitted, and ground or air ambulance services require a flat $275 copay. Routine dental, vision, and hearing exams are covered with no copays, though specialized services like comprehensive dental require a 20% to 50% coinsurance and prescription hearing aids require copays. Durable medical equipment, diabetic therapeutic shoes, and dialysis services are covered with no copay and a 20% coinsurance. Additionally, members can benefit from extra perks like over-the-counter items and home-delivered meals for chronic illnesses at no cost.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IN-19 (HMO-POS) partially covers inpatient hospital care with no coinsurance, requiring prior authorization. You will pay a $550 daily copay for days 1-5 of acute stays (no copay for days 6 and beyond) and a $550 daily copay for days 1-4 of psychiatric stays (no copay for days 5-90), though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IN-19 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services which both feature no copay. Outpatient hospital services require a copay of $0 to $550 (with observation services at $550 per day), while outpatient substance abuse services carry a copay of $0 to $25 depending on the session type.
Partial Hospitalization See details
Partial hospitalization services are covered by the AARP Medicare Advantage from UHC IN-19 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage from UHC IN-19 (HMO-POS), which features a $275 copay and no coinsurance for ground and air ambulance services. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC IN-19 (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 ranging from no copay to $50 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 under AARP Medicare Advantage from UHC IN-19 (HMO-POS) are covered with no copay and no coinsurance, which also applies to telehealth and opioid treatment services. Specialist visits, physical therapy, and mental health services are covered with no coinsurance and copays ranging from $0 to $60, though routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered under the AARP Medicare Advantage from UHC IN-19 (HMO-POS) plan with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, and fitness programs. However, several sub-services are not covered, including health education, weight management, in-home support, and nutritional benefits.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IN-19 (HMO-POS) with no coinsurance and no deductibles. Routine hearing exams have no copay, but fitting and evaluation services, alongside inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered. Up to two prescription hearing aids (copay $199.00 to $1,249.00) and two OTC hearing aids (copay $199.00 to $829.00) are covered annually.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC IN-19 (HMO-POS) with no deductible and no coinsurance, while other eye exams, upgrades, and packaged eyeglasses (lenses and frames) are not covered. Covered services include one routine eye exam per year, contact lenses, and eyeglass frames with no copay, as well as eyeglass lenses with a copay of $0 to $153, up to a $150 combined maximum every two years.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC IN-19 (HMO-POS), excluding implant services and orthodontics. Diagnostic and preventive services have no copay and no coinsurance up to a $2,000 annual limit, while Medicare-covered services require a 20% coinsurance and covered comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC IN-19 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. Associated Medicare Part B chemotherapy, radiation, and other drugs require no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs carry a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC IN-19 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC IN-19 (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 require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC IN-19 (HMO-POS) with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiology, while diagnostic procedures cost a $5 copay, outpatient X-rays cost a $10 copay, and therapeutic radiology starts at a $40 copay.
Home Health Services See details
AARP Medicare Advantage from UHC IN-19 (HMO-POS) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC IN-19 (HMO-POS) covers cardiac rehabilitation services with no copay and no coinsurance, subject to prior authorization. While some services are covered, key treatments including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC IN-19 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond Medicare-covered days are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC IN-19 (HMO-POS), offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, while acupuncture is not covered. Prior authorization is required for the meal benefit.
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