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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 2026, 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 2026.
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 $600.00 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 $6700.00 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 features an annual drug deductible of $600. For prescription costs, Tier 1 preferred generic drugs have no copay for a one-month or three-month supply at standard pharmacies, as well as three-month mail orders. Tier 2 generic drugs cost a $12 copay for a one-month supply at standard pharmacies, but you can save with no copay for a three-month supply through preferred mail order. Higher tier medications transition to coinsurance, with Tier 3 preferred brand drugs requiring a 15% coinsurance for both standard pharmacy and mail order options. Tier 4 non-preferred drugs carry a 42% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a one-month supply. These structured costs help you easily plan your monthly and yearly prescription expenses under this plan.
Additional Benefits
The AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care, telehealth visits, and routine preventive services. For specialized care, specialist visits feature copays up to $60, with no copay for select services, and emergency room visits require a $130 copay that is waived if you are admitted. Inpatient hospital stays require a $550 daily copay for the first few days, after which there is no copay and no coinsurance for the remainder of your covered stay. This plan also includes valuable supplemental benefits, featuring no copay and no coinsurance for routine eye exams, routine hearing exams, and preventive dental services up to a $2,000 yearly limit. While comprehensive dental care requires a 50% coinsurance with no copay, other services like home health care and select diagnostic lab tests are available with no copay and no coinsurance. Durable medical equipment and dialysis services are also covered with a 20% coinsurance and no copay, helping to keep your out-of-pocket costs highly predictable.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) with no coinsurance, requiring a $550 daily copay for days 1 through 5 of acute stays (no copay for days 6 and beyond) and days 1 through 4 of psychiatric stays (no copay for days 5 through 90). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) with no coinsurance, featuring a $0 to $550 copay for outpatient hospital services and a $550 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services require no coinsurance and a copay of $0 to $5 per session.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) with a $225 copay and no coinsurance for both ground and air transportation, which require prior authorization. Routine transportation services to plan-approved or health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Extras from UHC NE-5 (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 have a copay of up to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care and telehealth services are covered under the AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan with no copay and no coinsurance, while specialist visits and mental health services feature copays ranging from $0 to $60 with no coinsurance. Physical, occupational, and speech therapies require copays of $50 to $55 with no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) with no copay and no coinsurance for annual physicals, fitness benefits, safety devices, and select screenings, but the benefit is only partially covered. Not covered services include 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 benefits, palliative care, in-home support, caregiver support, additional smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS), featuring no deductible and no coinsurance for all covered benefits. Routine hearing exams have no copay, but fitting and evaluation services are not covered. OTC hearing aids (copays from $199.00 to $829.00) and prescription hearing aids (copays from $199.00 to $1,249.00) are covered up to two per year, though 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 Extras from UHC NE-5 (HMO-POS) with no deductible, no coinsurance, and no copay for routine eye exams and contact lenses. Covered eyeglass frames have no copay and lenses have a $0.00 to $153.00 copay, both with no coinsurance up to a $150 limit every two years, whereas other eye exam services, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS), as implant services and orthodontics are not covered. Preventive and diagnostic services are available with no copay and no coinsurance up to a $2,000 yearly limit, while covered comprehensive services require a 50% coinsurance and Medicare-covered services require a 20% coinsurance, both with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy and other infusion drugs have no copay and 0% to 20% coinsurance, while Part B insulin requires a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) plan with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes or inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Diagnostic tests require a $5 copay, outpatient X-rays have a $10 copay, therapeutic radiology has a minimum $60 copay, and lab services and diagnostic radiology are offered with no copay.
Home Health Services See details
AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) with no coinsurance and no copay, meaning some services are covered, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) services are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 copayment for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services covered by AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS) include over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture is not covered under this plan.
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