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AARP Medicare Advantage from UHC AR-0002 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC AR-0002 (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 AR-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AR-0002 (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 from UHC AR-0002 (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 AR-0002 (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 AR-0002 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $39.00. 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 from UHC AR-0002 (HMO-POS) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. Under the initial coverage phase, Tier 1 preferred generic drugs require an $8.00 copay at standard pharmacies, while Tier 2 standard generics have a 15% coinsurance. Tier 3 preferred brands and Tier 4 non-preferred drugs are subject to a 41% and 28% coinsurance respectively, at both standard pharmacies and through standard mail. Once your yearly out-of-pocket drug costs reach $2,100.00, you transition to the catastrophic coverage phase where you will pay nothing for covered Part D prescription drugs. For individuals who qualify for the low-income subsidy, the plan's Part D premium is reduced from $39.00 to $30.10.
Additional Benefits
The AARP Medicare Advantage from UHC AR-0002 (HMO-POS) plan offers comprehensive medical coverage with predictable cost-sharing, featuring no copays for primary care visits, standard preventive services, and home health care. Specialist visits and diagnostic tests require low copays ranging up to $25 and $50 respectively, with no coinsurance. For major medical care, inpatient hospital stays require a $350 daily copay for the first several days followed by no copay, while emergency services carry a $130 copay that is waived if admitted. This plan also provides valuable supplemental benefits, including routine vision and hearing exams with no copay, alongside a $4,000 annual limit for dental care which features 50% coinsurance with no copay for comprehensive services. Essential medical equipment, dialysis, and therapeutic radiology are covered with a 20% coinsurance and no copay. Additionally, members can access over-the-counter items and meal benefits with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by AARP Medicare Advantage from UHC AR-0002 (HMO-POS) and require prior authorization. Acute care requires a $350 daily copay for days 1 through 8 and no copay for days 9 and beyond, while psychiatric care requires a $350 daily copay for days 1 through 6 and no copay for days 7 through 90, both with no coinsurance. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC AR-0002 (HMO-POS) with no coinsurance and copays ranging from no copay up to $350. Covered benefits include ambulatory surgical center and blood services with no copay, outpatient hospital services with a $0 to $350 copay, and observation services with a $350 daily copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC AR-0002 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC AR-0002 (HMO-POS) partially covers ambulance and transportation services, providing ground and air ambulance services with a $290 copay and no coinsurance. Prior authorization is required for ambulance services, and transportation services to plan-approved or any other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC AR-0002 (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 are covered with a copay ranging from no copay 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 from UHC AR-0002 (HMO-POS) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance, while specialists, therapy, and mental health services require copays from $0 to $25 with no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage from UHC AR-0002 (HMO-POS) covers standard preventive services, annual physical exams, and kidney disease education with no copay and no coinsurance. Additional preventive benefits are partially covered, offering fitness benefits and home safety modifications with no copay and no coinsurance, while sub-services like health education, weight management, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC AR-0002 (HMO-POS), which provides one annual routine hearing exam with no copay or coinsurance, though fitting and evaluation exams 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 and $199 to $829 respectively, but specific inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC AR-0002 (HMO-POS), offering annual routine eye exams and eyeglass frames with no copay or coinsurance. Eyewear is covered up to $250 every two years with no coinsurance and copays ranging from $0 to $153 for eyeglass lenses, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC AR-0002 (HMO-POS) up to a $4,000 annual limit, excluding implant services and orthodontics which are not covered. Routine preventive and diagnostic services have no copay and no coinsurance, while Medicare-covered dental services require a 20% coinsurance with no copay, and covered comprehensive services require a 50% coinsurance with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC AR-0002 (HMO-POS) covers Home Infusion bundled Services, which require prior authorization. Covered Part B insulin drugs have a $35 copay and range from no coinsurance to 20% coinsurance, while Part B chemotherapy, radiation, and other drugs require no copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC AR-0002 (HMO-POS) with a 20% coinsurance and no copay. Prior authorization is required before receiving these services.
Medical Equipment See details
Medical Equipment benefits are covered under AARP Medicare Advantage from UHC AR-0002 (HMO-POS), with durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes requiring a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, though prior authorization is required for most equipment and supplies.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC AR-0002 (HMO-POS) covers diagnostic and radiological services, which require prior authorization. Under this plan, lab services have no copay or coinsurance, outpatient X-rays require a $30 copay with no coinsurance, diagnostic tests cost a $50 copay with no coinsurance, diagnostic radiology ranges from no copay to a $260 copay with no coinsurance, and therapeutic radiology requires a 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC AR-0002 (HMO-POS) with no copay and no coinsurance. Prior authorization is required for these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under AARP Medicare Advantage from UHC AR-0002 (HMO-POS), as all sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are excluded from coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by AARP Medicare Advantage from UHC AR-0002 (HMO-POS), requiring prior authorization but no prior 3-day hospital stay. Patients pay no copay for days 1-20, a $218 daily copay for days 21-100, and no coinsurance, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC AR-0002 (HMO-POS) partially covers Other Services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered under this benefit.
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