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AARP Medicare Advantage from UHC NY-0009 (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-0009 (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-0009 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Nassau County. 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-0009 (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-0009 (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-0009 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $29.00. 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 $8500.00 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-0009 (HMO-POS) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, you will pay no copay for 1-month or 3-month supplies at standard pharmacies and mail-order services. Tier 2 generic drugs cost a $14 copay for a 1-month supply at standard pharmacies, but you can secure a 3-month supply with no copay through preferred mail order. For higher-tier medications, the plan utilizes coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 35% coinsurance. Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply at standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC NY-0009 (HMO-POS) plan offers comprehensive medical coverage with no copays for primary care visits, telehealth, preventive services, and home health care. For specialist visits, copays range from $0 to $50, while emergency room visits carry a $115 copay that is waived if you are admitted. Inpatient hospital stays require a daily copay of $465 for the first few days, after which there is no copay, and there is no coinsurance for these hospital services. Routine hearing, dental, and vision exams are covered with no copays or coinsurance, although comprehensive dental services are not covered under this plan. Diagnostic labs and home infusion services also feature no copays, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. Additionally, the plan provides a $300 eyewear allowance every two years and covers hearing aids with variable copays and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) covers inpatient hospital services with no coinsurance, although prior authorization is required. For acute care, there is a $465 daily copay for days 1-5 and no copay for days 6 and beyond, while psychiatric stays require a $465 daily copay for days 1-4 and no copay for days 5-90.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC NY-0009 (HMO-POS) with no coinsurance, although prior authorization is required for most services. Copays range from $0 to $465 for outpatient hospital and observation services, $0 to $25 for outpatient substance abuse sessions, and no copay for ambulatory surgical center and blood services.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC NY-0009 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Routine transportation services to plan-approved or any health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) covers emergency room visits with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed care requires a copay of $0 to $40 with 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-0009 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits cost between $0 and $50 with no coinsurance. Other covered benefits include physical, occupational, and mental health therapies with copays ranging from $0 to $45 and no coinsurance, though chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, glaucoma screenings, and a fitness benefit, with no copay and no coinsurance. This benefit is partially covered, as supplemental services such as health education, personal emergency response systems, in-home safety assessments, and nutritional therapy are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NY-0009 (HMO-POS), featuring one routine hearing exam per year with no copay and no coinsurance. Up to two prescription hearing aids (with a copay of $199 to $1,249) and two OTC hearing aids (with a copay of $199 to $829) are covered annually with no coinsurance, though hearing aid fitting/evaluation exams and inner ear, outer ear, or over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC NY-0009 (HMO-POS), offering no deductible, no coinsurance, and no copay for annual routine eye exams, contact lenses, and eyeglass frames. While there is a $300 combined eyewear allowance every two years, eyeglass lenses carry a copay of $0.00 to $153.00 with no coinsurance, and other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) partially covers dental services, offering Medicare-covered dental with no copay and 20% coinsurance, plus preventive care like exams, cleanings, and x-rays with no copay and no coinsurance. However, restorative, endodontics, periodontics, prosthodontics, implants, orthodontics, and oral surgery services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy and other drugs carry coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and coinsurance from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC NY-0009 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to access these services.
Medical Equipment See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) covers durable medical equipment, prosthetics, and diabetic therapeutic shoes with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Diagnostic tests require a $55 copay with no coinsurance, outpatient X-rays have a $30 copay, and therapeutic radiology has a 20% coinsurance, while lab services and diagnostic radiology are covered with no copays or coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC NY-0009 (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 with no copay and no coinsurance under the AARP Medicare Advantage from UHC NY-0009 (HMO-POS) plan, and prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC NY-0009 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NY-0009 (HMO-POS) partially covers other services, offering a meal benefit for chronic illnesses 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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