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AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Essentials from UHC AR-1 (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 Essentials from UHC AR-1 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Arkansas. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Essentials from UHC AR-1 (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 Essentials from UHC AR-1 (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 Essentials from UHC AR-1 (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 $440.00 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 $5700.00 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 Essentials from UHC AR-1 (HMO-POS) plan features an annual prescription drug deductible of $440.00. During the initial coverage phase, standard pharmacy costs for a 30-day supply include an $8.00 copay for Tier 1 preferred generics, 16% coinsurance for Tier 2 standard generics, and 40% coinsurance for Tier 3 preferred brands. Tier 4 non-preferred drugs require 28% coinsurance, and these cost-sharing rates apply until total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay no copay for covered Medicare Part D drugs. Additionally, beneficiaries who qualify for the Low-Income Subsidy, also known as Extra Help, will enjoy no copay for their Part D coverage. This Enhanced Alternative plan structure helps you easily anticipate your annual prescription medication expenses.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, routine annual physicals, and home health care. For inpatient hospital stays, members pay a $375 daily copay for days one through six, followed by no copay for days seven through 90. Emergency room visits carry a $130 copay, which is waived upon admission, while ambulance services require a $275 copay. This plan also features dental coverage up to a $1,500 annual limit and a $300 eyewear allowance every two years with no deductible. Routine hearing exams have no copay, though prescription and over-the-counter hearing aids require copays ranging from $199 to $1,249. Diagnostic lab tests and diabetic supplies are available with no copay and no coinsurance, helping to keep your out-of-pocket costs manageable.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) with no coinsurance, requiring a $375 daily copay for days 1 through 6 and no copay for days 7 through 90 for acute and psychiatric stays. While unlimited additional acute care days are covered with no copay, this plan does not cover non-Medicare-covered stays, room upgrades, or additional psychiatric days.
Outpatient Services See details
Outpatient services are covered under the AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) plan with no coinsurance, including ambulatory surgical center and blood services with no copay. Covered outpatient hospital services require a copay of $0 to $375, outpatient substance abuse sessions have copays ranging from $0 to $25, and daily observation services carry a $375 copay.
Partial Hospitalization See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, although prior authorization is required. Transportation services to both plan-approved and any other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC AR-1 (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 require no copay to a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay.
Primary Care See details
Primary Care benefits are covered by AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) with no coinsurance for all services and no copay for primary care, telehealth, and opioid treatment. Other covered services, including specialist visits, therapy, and mental health care, have copays ranging from $0 to $35, though chiropractic services are only partially covered since routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS), featuring no copay and no coinsurance for covered services like annual physical exams, fitness benefits, and glaucoma screenings. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs for chemotherapy hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) partially covers hearing services with no coinsurance, providing one routine hearing exam annually with no copay, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered with copays ranging from $199.00 to $1,249.00, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) partially covers vision services with no deductible and a $300 eyewear allowance every two years. Annual routine eye exams, contact lenses, and eyeglass frames have no copay and no coinsurance, though eyeglass lenses require a $0 to $153 copay and no coinsurance. Complete eyeglasses (lenses and frames) and upgrades are not covered under this plan.
Dental Services See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) partially covers dental services up to a $1,500 annual limit, excluding implant services and orthodontics. Preventive and diagnostic services are covered with no copay and no coinsurance, while Medicare dental services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copays.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) with prior authorization, featuring no copay and coinsurance ranging from no coinsurance to 20% for Part B chemotherapy, radiation, and other drugs. Covered Medicare Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive this benefit.
Medical Equipment See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) covers diagnostic and radiological services, though prior authorization is required. Lab services feature no copay or coinsurance, diagnostic tests require a $50 copay and no coinsurance, and outpatient X-rays cost a $30 copay with no coinsurance. Diagnostic radiological services range from no copay up to a $260 copay with no coinsurance, while therapeutic radiological services require 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded. Because these services are not covered, there are no copay or coinsurance options available for them under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, offering 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 the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS) partially covers Other Services, offering a meal benefit with no copay and no coinsurance, though prior authorization is required. Other sub-services, including acupuncture, over-the-counter (OTC) items, and Dual Eligible SNPs with Highly Integrated Services, are not covered.
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