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AARP Medicare Advantage from UHC NY-0006 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC NY-0006 (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 NY-0006 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in New York. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC NY-0006 (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 NY-0006 (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 NY-0006 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $34.00. 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 $520.00 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 $7900.00 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 from UHC NY-0006 (HMO-POS) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic medications require a $12 copay for a 1-month supply at standard pharmacies, but you can access a 3-month supply with no copay through preferred mail order. Tier 3 preferred brand drugs require a 16% coinsurance for standard pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 41% coinsurance, while Tier 5 specialty tier drugs require a 27% coinsurance for a 1-month supply across standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC NY-0006 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth services, and annual preventive exams. For inpatient hospital stays, members pay a $405 daily copay for the first six days of acute care and no copay for subsequent days. Specialist visits and outpatient therapies are also highly affordable, requiring copays of up to $40 with no coinsurance. This plan features robust dental, vision, and hearing benefits, including no copays for routine eye exams and preventive dental care up to a $1,500 annual limit. Prescription hearing aids are covered with copays between $199 and $1,249, while durable medical equipment and dialysis services require a 20% coinsurance. Additionally, diagnostic lab tests and home health services are fully covered with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, though prior authorization is required. For acute stays, you pay a $405 daily copay for days 1 to 6 and no copay for days 7 and beyond, while psychiatric stays require a $405 daily copay for days 1 to 5 and no copay for days 6 to 90. Upgrades and non-Medicare-covered stays are not covered under this plan.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC NY-0006 (HMO-POS) with no coinsurance, though prior authorization is required. There is no copay for ambulatory surgical center and blood services, while outpatient hospital visits require a $0 to $405 copay, observation services require a $405 daily copay, and outpatient substance abuse sessions carry a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) covers partial hospitalization with a $55 copay and no coinsurance. Prior authorization is required to access these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, requiring prior authorization. While some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a copay ranging from $0 to $40 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 from UHC NY-0006 (HMO-POS) covers primary care physician visits and telehealth services with no copay and no coinsurance, while specialist visits and outpatient therapies have copays ranging up to $40 and no coinsurance. Chiropractic services are partially covered, as routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and select screenings, with no copay and no coinsurance. Additional preventive benefits are only partially covered, as the plan includes a fitness benefit with no copay but excludes services such as health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NY-0006 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two prescription or OTC hearing aids are covered per year with no coinsurance and copays ranging from $199 to $1,249, 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 from UHC NY-0006 (HMO-POS), offering routine eye exams and eyewear with no coinsurance, no deductibles, and a $300 maximum limit every two years. There is no copay for annual routine exams, contact lenses, or frames, though eyeglass lenses require a copay of $0 to $153, and other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC NY-0006 (HMO-POS), though implant services and orthodontics are not covered. Diagnostic and preventive services are provided with no copay and no coinsurance up to a $1,500 annual maximum, while Medicare-covered dental services require no copay and 20% coinsurance, and other covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Chemotherapy and other Part B drugs have no copay and no coinsurance to 20% coinsurance, while insulin carries a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC NY-0006 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC NY-0006 (HMO-POS), featuring no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are also covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NY-0006 (HMO-POS), with prior authorization required. Members pay no copay or coinsurance for lab services and diagnostic radiology, a $30 copay for outpatient X-rays, a $50 copay with no coinsurance for diagnostic tests, and a 20% coinsurance for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC NY-0006 (HMO-POS) with no copay and no coinsurance, though some services are covered while standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered. Prior authorization is required for covered services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, as additional days beyond the Medicare-covered limit are not covered. Prior authorization is required, but there is no prior three-day hospital stay requirement, with no copay for days 1 through 20 and a $218 daily copay for days 21 through 100.
Other Services See details
AARP Medicare Advantage from UHC NY-0006 (HMO-POS) partially covers other services, offering a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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