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AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC MO-10 (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 Extras from UHC MO-10 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC MO-10 (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. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Extras from UHC MO-10 (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 Extras from UHC MO-10 (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 Extras from UHC MO-10 (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 $4900.00 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 Extras from UHC MO-10 (HMO-POS) plan has an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, you will pay no copay for one-month and three-month supplies at standard pharmacies, or for three-month supplies filled via mail order. Tier 2 generic drugs carry a $12 copay for a one-month supply at standard pharmacies, but you can save with no copay for a three-month supply when using preferred mail order. For higher-tier medications, the plan transitions from flat copays to coinsurance percentages. Tier 3 preferred brand drugs require a 15% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 36% coinsurance, and Tier 5 specialty drugs require a 27% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) plan provides robust medical coverage with no copays for primary care visits, telehealth, and routine preventive services. For specialized care, members pay no coinsurance and predictable copays, including specialist visits up to $45 and a $450 daily copay for the first six days of inpatient hospital stays. Emergency room visits require a $130 copay, which is waived if you are admitted, while worldwide emergency and urgent care features no copay. Additional benefits include routine vision and hearing exams with no copay, alongside a $4,000 annual maximum for preventive dental care with no copay. Members also receive a $300 eyewear allowance every two years and coverage for up to two hearing aids per year with copays between $199 and $1,249. Durable medical equipment and dialysis services are covered with no copay and 20% coinsurance, while home health services feature no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital services under the AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) plan are covered with no coinsurance, featuring a $450 daily copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, followed by no copay for remaining days. Prior authorization is required, and certain services such as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and outpatient blood services with no copay. Outpatient hospital services have a copay ranging from $0 to $450, observation services require a $450 daily copay, and outpatient substance abuse services have copays between $0 and $25.
Partial Hospitalization See details
The AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Extras from UHC MO-10 (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 feature a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance, while chiropractic services are not covered. Other covered services, including specialist visits, physical and occupational therapies, mental health, and podiatry, require copays ranging from $0 to $45 and no coinsurance.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) with no copayments and no coinsurance for annual physical exams, fitness benefits, home safety devices, kidney disease education, and routine screenings. This benefit is partially covered, as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) provides partially covered hearing services, featuring one routine hearing exam per year with no copay or coinsurance. While up to two prescription or OTC hearing aids are covered annually with no coinsurance and copays ranging from $199 to $1,249, hearing aid fittings, evaluations, and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS), featuring no deductible, no coinsurance, and no copay for one routine eye exam per year. Eyewear is also partially covered with no coinsurance and a $300 maximum benefit every two years, offering contact lenses and frames with no copay, and lenses with a $0 to $153 copay, while other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS), offering a $4,000 annual maximum for preventive care with no copay and no coinsurance. Covered comprehensive services require no copay and a 50% coinsurance, while Medicare-covered dental services have no copay and a 20% coinsurance. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, covered Medicare Part B chemotherapy, radiation, and other drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, though prior authorization is required for most equipment, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) covers diagnostic and radiological services with no coinsurance, although prior authorization is required. Under this plan, there is no copay for lab services and diagnostic radiology, while outpatient X-rays require a $30 copay, diagnostic tests cost $40, and therapeutic radiology services have an $80 copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) 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 Extras from UHC MO-10 (HMO-POS) with no copay and no coinsurance, but prior authorization is required. While some services are covered, specific treatments such as cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS), offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and dual-eligible SNP services are not covered under this benefit.
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