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AARP Medicare Advantage Extras from UHC NE-5 (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 NE-5 (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 NE-5 (HMO-POS) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select counties in Iowa and Nebraska. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage Extras from UHC NE-5 (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 NE-5 (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 NE-5 (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 $420.00 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 NE-5 (HMO-POS) plan has a $420.00 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, you will pay a $12.00 copay for preferred generic drugs at a standard pharmacy, and a $100.00 copay for preferred brand drugs. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase, where you will pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan offers comprehensive coverage with varying cost-sharing. Inpatient hospital stays have a copay, while outpatient services have copays that vary by service. Emergency, primary care, preventive, hearing, and vision services have no copay, or a low copay, for many services. The plan also includes coverage for dental services with varying coinsurance and copays, and offers home health services and skilled nursing facility stays with a $0 copay for the first 20 days. Diagnostic and radiological services have copays and coinsurance, and ambulance services have a copay.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS), including acute and psychiatric care. For acute care, you'll pay a $445 copay for days 1-6, and no copay for days 7-90; additional days have no copay. For psychiatric care, you'll pay a $445 copay for days 1-5, and no copay for days 6-90. Non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, outpatient substance abuse services, outpatient blood services, and ambulatory surgical center services. Outpatient hospital services have a copay between $0 and $445, and observation services have a copay of $445. Individual sessions for outpatient substance abuse have a copay between $0 and $5, while group sessions have a copay of $5. Outpatient blood services and ambulatory surgical center services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with a $275 copay for both ground and air ambulance services and no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan. Emergency Services have a $125 copay with no coinsurance, while Urgently Needed Services have a copay between $0 and $55 with no coinsurance; Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have no copay and no coinsurance.
Primary Care See details
The AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan covers primary care physician services, with no copay. Chiropractic services have a $20 copay, but routine care is not covered. Occupational therapy services have a copay of $0 - $45. Physician specialist services and mental health specialty services have a copay of $0 - $45. Podiatry services have a $40 copay, and routine foot care is covered. Other health care professional services, psychiatric services, and physical therapy/speech-language pathology services have a copay of $0 - $45 and $0 - $50, respectively. Additional telehealth benefits have no copay. Opioid treatment program services have no copay.
Preventive Services See details
Preventive services include an annual physical exam with no copay, and additional services like fitness benefits, home and bathroom safety devices, glaucoma screening, and diabetes self-management training with no copay. Other preventive services are covered with a copay. Health education, in-home safety assessments, and other services are not covered.
Hearing Services See details
Hearing exams are covered with no copay, while routine hearing exams are limited to one visit per year with no copay. Prescription hearing aids are covered with a copay between $199 and $1249, and OTC hearing aids are covered with a copay between $99 and $829. Fitting/Evaluation for Hearing Aid, Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
Vision Services include eye exams, eyewear, contact lenses, eyeglass lenses, and eyeglass frames. Eye exams and eyewear each have no copay, and eye exams include routine eye exams with no copay. Contact lenses and eyeglass frames have no copay, while eyeglass lenses have a copay between $0.00 and $153.00. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services include coverage for Medicare Dental Services with 20% coinsurance and Other Dental Services. Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Fluoride Treatment, Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Maxillofacial Prosthetics, and Oral and Maxillofacial Surgery are covered with no copay. Prosthodontics, removable, and Prosthodontics, fixed are covered with 0%-50% coinsurance. Implant Services and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan and require prior authorization. The plan covers Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, along with Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, both with 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics, and Medical Supplies, is covered under the AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan. For DME, there is a 20% coinsurance, and for Prosthetics and Medical Supplies, there is a 20% coinsurance with no copay. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services and radiological services. Diagnostic Procedures/Tests have a $35 copay, and Lab Services have no copay. Diagnostic Radiological Services have a copay of at most $150, while Therapeutic Radiological Services have a coinsurance of at least 20%, and Outpatient X-Ray Services have a $15 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover any specific services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan, with a $0 copay for days 1-20, and a $203 copay for days 21-100. Additional days beyond Medicare-covered for SNF and Non-Medicare-covered stays for SNF are not covered.
Other Services See details
The AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan covers Over-the-Counter (OTC) Items and Meal Benefits. There is no copay for OTC items or meals, and acupuncture, Dual Eligible SNPs with Highly Integrated Services, and multiple other services are not covered.
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