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AARP Medicare Advantage Extras from UHC IL-9 (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 IL-9 (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 IL-9 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Select Counties in Illinois. 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 IL-9 (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 IL-9 (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 IL-9 (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 $3900.00 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 IL-9 (HMO-POS) plan features an annual prescription drug deductible of $600. For Tier 1 preferred generic drugs, members enjoy no copay for 1-month and 3-month supplies at standard pharmacies as well as through mail order. Tier 2 generic medications require a $10 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay when using preferred mail order. Higher-tier prescriptions on this plan are subject to coinsurance rather than flat copayments. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 36% coinsurance for a 1-month supply. Specialty medications in Tier 5 are covered with a 26% coinsurance for a 1-month supply across standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth, and preventive services. For inpatient hospital stays, members pay a $395 copay for the first several days and no copay for subsequent days, while outpatient hospital services range from no copay up to a $395 copay. Emergency room visits require a $150 copay, which is waived if admitted, and ambulance services carry a $275 copay with no coinsurance. Specialty care includes routine dental, vision, and hearing exams with no copay, alongside a $5,000 annual maximum for preventive dental and a $300 eyewear allowance every two years. Home health care and cardiac rehabilitation are fully covered with no copay, while durable medical equipment and dialysis services generally require a 20% coinsurance. Additionally, members can access over-the-counter items and chronic meal benefits with no copay or coinsurance.
Inpatient Hospital See details
Inpatient hospital care is covered by AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) with no coinsurance, although the benefit is only partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are excluded. Acute stays require a $395 copay for days 1-7 and no copay for days 8 and beyond, while psychiatric stays incur a $395 copay for days 1-6 and no copay for days 7-90.
Outpatient Services See details
Outpatient services are covered under the AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital services require a $0 to $395 copay, observation services have a $395 daily copay, and outpatient substance abuse services have a $0 to $25 copay, all with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) plan for a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS), featuring a $275 copay and no coinsurance for both ground and air ambulance trips, which require prior authorization. While some transportation services are covered, trips to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) 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 $0 to $65 copay 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 Extras from UHC IL-9 (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits require a $0 to $40 copay, therapy services have a $30 copay, and routine podiatry has a $40 copay, all with no coinsurance, while routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, glaucoma screenings, and kidney disease education. However, several additional services are not covered under this plan, including health education, in-home safety assessments, personal emergency response systems, and nutritional or dietary benefits.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS), offering one annual routine hearing exam with no copay or coinsurance, while fitting evaluations and inner, outer, or over-the-ear prescription hearing aids are not covered. Covered prescription hearing aids carry a $199 to $1,249 copay, and OTC hearing aids carry a $199 to $829 copay, both with a limit of two per year and no coinsurance.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS), offering one routine eye exam per year with no copay and no coinsurance, while other eye exam services are not covered. Eyewear coverage features no deductible and a $300 maximum benefit every two years, with no copay and no coinsurance for contact lenses and frames, and a $0 to $153 copay and no coinsurance for eyeglass lenses, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) provides partially covered dental services with no copay and no coinsurance for preventive care up to a $5,000 annual maximum, though implant services and orthodontics are not covered. Medicare-covered dental services require a 20% coinsurance, while covered comprehensive services require a 50% coinsurance, with both requiring prior authorization and having no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy are required. Covered Medicare Part B infusion drugs, including chemotherapy and insulin, have no coinsurance up to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) covers durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes or inserts require a 20% coinsurance, with prior authorization required for most equipment.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) plan, with prior authorization required. Diagnostic tests require a $50 copay with no coinsurance, while lab and diagnostic radiological services feature no copay. Outpatient X-rays require a $30 copay (plus coinsurance), and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) plan covers home health services with no copay and no coinsurance. Prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) covers Cardiac Rehabilitation Services with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific sub-services including 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
AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior 3-day inpatient 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 Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Extras from UHC IL-9 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Acupuncture and other miscellaneous services under this benefit category are not covered.
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