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AARP Medicare Advantage from UHC AL-6 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC AL-6 (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 from UHC AL-6 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AL-6 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in State of Alabama. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC AL-6 (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 from UHC AL-6 (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 from UHC AL-6 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $31.00. 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 $440.00 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 combined Maximum Out-Of-Pocket cost of $4900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $4900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 from UHC AL-6 (HMO-POS) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. Under this plan, you will have no copay for Tier 1 preferred generic drugs at standard pharmacies during the initial coverage phase. For Tier 2 standard generic drugs, you will pay a 20% coinsurance at standard pharmacies. Tier 3 preferred brand drugs require a 43% coinsurance and Tier 4 non-preferred drugs require a 28% coinsurance at standard pharmacies and standard mail services. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs. Additionally, qualifying for the low-income subsidy can reduce your Part D costs to $3.30.
Additional Benefits
The AARP Medicare Advantage from UHC AL-6 (HMO-POS) plan offers comprehensive coverage for essential medical services, featuring no copay and no coinsurance for primary care visits, telehealth, and annual preventive exams. Inpatient hospital stays require a $330 daily copay for the first six days with no copay for additional days, while outpatient services range from no copay to a $330 copay with no coinsurance. Emergency care is available with a $130 copay, which is waived upon admission, and urgent care visits require no copay to a $50 copay. For supplemental care, members benefit from no copays or coinsurance for routine dental, vision, and hearing exams, alongside a $200 eyewear allowance. Comprehensive dental services require a 50% coinsurance with no copay, and hearing aids are covered with copays ranging from $199 to $1,249. Additionally, the plan features no copay or coinsurance for home health services, over-the-counter items, and meal benefits, though cardiac rehabilitation is not covered.
Inpatient Hospital See details
Inpatient hospital stays are covered by AARP Medicare Advantage from UHC AL-6 (HMO-POS) with a $330 copay per day for days 1-6, no copay for days 7-90, and no coinsurance, with prior authorization required. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional days for psychiatric hospitalizations are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC AL-6 (HMO-POS) covers outpatient services with no coinsurance and copays ranging from $0 to $330. There is no copay for ambulatory surgical center and blood services, while outpatient hospital services cost $0 to $330, daily observation services cost $330, and outpatient substance abuse sessions require a $0 to $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC AL-6 (HMO-POS) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services under AARP Medicare Advantage from UHC AL-6 (HMO-POS) are partially covered, as transportation services to plan-approved or any health-related locations are not covered. Covered ground and air ambulance services require a $275 copay and no coinsurance, and prior authorization is required.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC AL-6 (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 require a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay.
Primary Care See details
Primary Care benefits under the AARP Medicare Advantage from UHC AL-6 (HMO-POS) plan are covered with no coinsurance, featuring no copay for primary care provider visits, telehealth, and opioid treatment. Other services, including specialist visits, therapy, and mental health services, require copays ranging from $0 to $25, though chiropractic services are only partially covered since routine care is excluded.
Preventive Services See details
AARP Medicare Advantage from UHC AL-6 (HMO-POS) partially covers preventive services with no copays or coinsurance for covered benefits like annual physical exams, fitness benefits, and kidney disease education. However, many supplemental benefits, such as health education, personal emergency response systems, and weight management programs, are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC AL-6 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Covered prescription and OTC hearing aids have no coinsurance and copays ranging from $199 to $1,249 (limit two per year), but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC AL-6 (HMO-POS), featuring no copay and no coinsurance for annual routine eye exams and contact lenses. The plan also offers a $200 combined eyewear allowance every two years with no copay for frames and a $0 to $153 copay for lenses (with no coinsurance for either), though upgrades and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC AL-6 (HMO-POS), with implant services and orthodontics not covered. Preventive services are available with no copay and no coinsurance, while Medicare-covered dental services require a 20% coinsurance and no copay, and comprehensive services carry a 50% coinsurance and no copay up to a $4,000 annual maximum.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC AL-6 (HMO-POS) with prior authorization, featuring no copay and no coinsurance to 20% coinsurance for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage from UHC AL-6 (HMO-POS) plan with a 20% coinsurance and no copay, though prior authorization is required.
Medical Equipment See details
Medical Equipment benefits are covered under AARP Medicare Advantage from UHC AL-6 (HMO-POS) with a 20% coinsurance and no copay for durable medical equipment, prosthetic devices, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay and no coinsurance, though prior authorization is required for these equipment and supply benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC AL-6 (HMO-POS) covers diagnostic and radiological services with prior authorization, offering lab services with no copay or coinsurance, diagnostic tests for a $50 copay and no coinsurance, and outpatient X-rays for a $30 copay and no coinsurance. Diagnostic radiological services range from no copay to a $260 copay with no coinsurance, while therapeutic radiological services require a 20% coinsurance with no copay.
Home Health Services See details
AARP Medicare Advantage from UHC AL-6 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to access these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC AL-6 (HMO-POS) plan, as all sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by AARP Medicare Advantage from UHC AL-6 (HMO-POS) with no copay or coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100. Prior authorization is required, 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 from UHC AL-6 (HMO-POS), as acupuncture and dual eligible SNPs with highly integrated services are not covered. Covered benefits include over-the-counter (OTC) items and meal benefits, both of which feature no copay and no coinsurance.
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