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AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx KS-MA2 (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 Patriot No Rx KS-MA2 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Select Counties in Kansas and Missouri. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx KS-MA2 (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 Patriot No Rx KS-MA2 (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. Additionally, this plan comes with a Part B Premium reduction of $150.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) plan offers robust medical coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist doctor visits feature copays ranging from no copay to $60, while inpatient hospital stays require a $550 daily copay for the first few days with no copay thereafter. Emergency care is available with a $130 copay, which is waived if you are admitted, and there is no copay or coinsurance for worldwide emergency and urgent coverage. For routine and supplemental care, members benefit from preventive dental services with no copay or coinsurance up to a $3,000 annual maximum, as well as routine eye and hearing exams at no cost. Prescription hearing aids and eyewear are covered with varying copays and no coinsurance, while durable medical equipment and dialysis services require a 20% coinsurance. Although cardiac rehabilitation and transportation are not covered, the plan offers over-the-counter benefits and chronic illness meals with no copay.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $550 daily copay for days 1-5 of acute stays (no copay for days 6 and beyond) and days 1-4 of psychiatric stays (no copay for days 5-90). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by the AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) plan feature no coinsurance, with copays ranging from $0 to $550 depending on the service. Ambulatory surgical center and outpatient blood services have no copay, while outpatient hospital, observation, and substance abuse services require prior authorization and have varying copays.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) with a $290 copay and no coinsurance for both ground and air transport, although prior authorization is required. Transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services are covered under the AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) 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 copay ranging from no copay to $50 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 Patriot No Rx KS-MA2 (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits range from a $0 to $60 copay, therapy services require a $50 to $60 copay, and mental health or podiatry sessions cost up to a $45 copay, all with no coinsurance, while chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) with no copay and no coinsurance for covered care such as annual physical exams, kidney disease education, and fitness benefits. Several supplemental services are not covered, including health education, in-home safety assessments, nutritional/dietary benefits, and weight management programs.
Hearing Services See details
Hearing Services are partially covered under AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS), offering one annual routine exam with no copay and no coinsurance, though fitting and evaluation services are excluded. Up to two prescription or OTC hearing aids are covered per year with no coinsurance and copays ranging from $199.00 to $1,249.00, while 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 Patriot No Rx KS-MA2 (HMO-POS), as other eye exam services, eyeglasses (lenses and frames), and upgrades are not covered. Covered routine eye exams have no copay and no coinsurance, while covered eyewear has no coinsurance and copays ranging from $0 to $153 up to a $250 maximum benefit every two years.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS), with implant services and orthodontics being the only excluded services. Preventive dental care is available with no copay and no coinsurance up to a $3,000 annual maximum, while Medicare-covered services carry a 20% coinsurance and comprehensive services carry a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
The AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) plan covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, are subject to a 0% to 20% coinsurance, with insulin having a $35 copay and no deductible.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS), featuring no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are offered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) covers diagnostic and radiological services, subject to prior authorization. Diagnostic tests require a $50 copay and no coinsurance, lab services and diagnostic radiology have no copay or coinsurance, outpatient X-rays have a $30 copay, and therapeutic radiology services require 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) plan, as all associated sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD), are excluded from coverage.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20, a $218 copay for days 21 through 100, and additional days beyond Medicare-covered services are not covered.
Other Services See details
Other Services are partially covered by the AARP Medicare Advantage Patriot No Rx KS-MA2 (HMO-POS) plan, which offers over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan's other services benefit, and the meal benefit requires prior authorization.
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