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AARP Medicare Advantage from UHC ST-1P (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC ST-1P (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 ST-1P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ST-1P (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 from UHC ST-1P (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 ST-1P (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 ST-1P (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 $355.00 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 $2900.00 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 ST-1P (HMO-POS) plan features an annual drug deductible of $355. Under this plan, Tier 1 preferred generic drugs have no copay for 1-month or 3-month supplies at standard pharmacies and mail-order services. Tier 2 generic drugs require a $5 copay for a 1-month supply at standard pharmacies, though a 3-month supply has no copay through preferred mail order. Higher-tier medications transition to coinsurance, with Tier 3 preferred brand drugs requiring 21% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 43% coinsurance for a 1-month supply across standard pharmacy and mail-order options. Lastly, Tier 5 specialty drugs require a 29% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC ST-1P (HMO-POS) plan offers robust medical coverage with affordable cost-sharing, featuring no copay or coinsurance for primary care visits, telehealth, and annual physical exams. Specialized medical care is highly accessible, with specialist visits requiring no copay to a $25 copay and outpatient hospital services ranging from no copay to a $250 copay. If you require hospital admission, inpatient stays have no coinsurance and a $250 copay for the first six days, while emergency room visits carry a $150 copay that is waived upon admission. Members also benefit from valuable everyday care, including routine dental, vision, and hearing exams with no copays or coinsurance. Essential support services like home health care and cardiac rehabilitation require no copay, while diabetic supplies are also covered with no copay. For other specialty needs, durable medical equipment and dialysis services are covered with no copay and a twenty percent coinsurance.
Inpatient Hospital See details
Inpatient hospital services under the AARP Medicare Advantage from UHC ST-1P (HMO-POS) plan are covered with no coinsurance, requiring a $250 copay for days 1-6 and no copay for days 7 and beyond for acute and psychiatric stays. The benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric hospital days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC ST-1P (HMO-POS) covers outpatient hospital services with a $0 to $250 copay and no coinsurance, and ambulatory surgical center services with no copay and no coinsurance. Outpatient substance abuse services require no coinsurance with copays ranging from $0 to $25, while outpatient blood services are fully covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ST-1P (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the AARP Medicare Advantage from UHC ST-1P (HMO-POS) plan, requiring a $290 copay and no coinsurance for both ground and air ambulance trips, which require prior authorization. While transportation is technically listed as covered, some services are covered but trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC ST-1P (HMO-POS) covers emergency services 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 ranging from no copay to $65 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 ST-1P (HMO-POS) feature no copay and no coinsurance for primary care physician visits, telehealth, and opioid treatment. Other covered services, including specialist visits, physical therapy, and mental health care, require no coinsurance and copays ranging from $0 to $25, though routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC ST-1P (HMO-POS) with no copay and no coinsurance for covered care such as annual physical exams, fitness benefits, home safety devices, and kidney disease education. However, several sub-services are not covered under this plan, 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, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling services.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC ST-1P (HMO-POS), featuring one annual routine hearing exam with no copay, no coinsurance, and no deductible, though fitting and evaluation exams are not covered. Prescription hearing aids are covered with a $199.00 to $1,249.00 copay and OTC hearing aids with a $199.00 to $829.00 copay (both with no coinsurance for up to two devices per year), but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC ST-1P (HMO-POS), featuring no coinsurance and no copay for one annual routine eye exam, contact lenses, and eyeglass frames. Eyeglass lenses are covered with no coinsurance and a $0 to $153 copay up to a $300 combined eyewear maximum every two years, while other eye exams, 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 ST-1P (HMO-POS), which offers preventive care such as oral exams, cleanings, fluoride, and x-rays with no copay and no coinsurance, and Medicare-covered dental services with no copay and a 20% coinsurance. However, restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services are not covered under this plan.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC ST-1P (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage from UHC ST-1P (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC ST-1P (HMO-POS), featuring no copay and 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are also covered with no copay, and prior authorization is required for most equipment and services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC ST-1P (HMO-POS) plan, with prior authorization required for all services. Members pay no copay and no coinsurance for lab services and diagnostic radiology, a $50 copay and no coinsurance for diagnostic tests, a $30 copay and coinsurance for X-rays, and 20% coinsurance and a copay for therapeutic radiology.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC ST-1P (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 from UHC ST-1P (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC ST-1P (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a 3-day hospital stay is not required prior to admission, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC ST-1P (HMO-POS), which offers chronic illness meal benefits and over-the-counter (OTC) items 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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