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AARP Medicare Advantage from UHC NY-29 (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-29 (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-29 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NY-29 (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-29 (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-29 (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-29 (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 $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
The AARP Medicare Advantage from UHC NY-29 (HMO-POS) plan has an annual prescription drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies, or for a 3-month supply via mail order. Tier 2 generic drugs require a $12 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay through preferred mail order. For higher-tier medications, plan members pay a percentage of the drug cost rather than a flat copay. Tier 3 preferred brand drugs carry a 15% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs require a 39% coinsurance, while Tier 5 specialty tier drugs carry a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC NY-29 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care and telehealth visits. For hospital services, members pay a $495 copay for the first few days of inpatient stays, while outpatient hospital services range from no copay to a $495 copay with no coinsurance. Emergency room visits carry a $130 copay, which is waived if admitted, and worldwide emergency services are covered with no copays. Supplemental benefits include no copays for routine hearing, vision, and preventive dental care, though comprehensive dental requires a 50 percent coinsurance. Prescription hearing aids feature copays ranging from $199 to $1,249, while routine eyewear offers a $300 maximum benefit every two years with no copay. Additionally, home health services require no copay or coinsurance, and skilled nursing facility stays have no copay for the first 20 days.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NY-29 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $495 copay for days 1 to 5 of an acute stay and days 1 to 4 of a psychiatric stay, with no copay for remaining covered days. Hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NY-29 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital services require a copay of $0 to $495, observation services have a $495 daily copay, and outpatient substance abuse sessions feature copays ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC NY-29 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NY-29 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, although prior authorization is required. While transportation services are listed as covered, trips to plan-approved or any health-related locations are not covered in practice.
Emergency Services See details
AARP Medicare Advantage from UHC NY-29 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay 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 copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC NY-29 (HMO-POS) provides primary care and telehealth visits with no copay and no coinsurance, while specialist visits require a $0 to $40 copay and no coinsurance. Therapy and mental health services have copays ranging from $0 to $30 with no coinsurance, though chiropractic services are partially covered with a $15 copay and no coinsurance, excluding routine and other chiropractic services.
Preventive Services See details
AARP Medicare Advantage from UHC NY-29 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered options such as annual physical exams, kidney disease education, fitness benefits, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety devices, or counseling services.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NY-29 (HMO-POS), with fitting and evaluation for hearing aids, as well as inner ear, outer ear, and over-the-ear prescription hearing aids not covered. Covered benefits include one annual routine hearing exam with no copay and no coinsurance, plus up to two prescription hearing aids (copays ranging from $199 to $1,249) and two OTC hearing aids (copays ranging from $199 to $829) per year with no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC NY-29 (HMO-POS), offering no coinsurance and no copay for annual routine eye exams, contact lenses, and frames, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered. Eyeglass lenses carry a copay of $0 to $153 with no coinsurance, and a combined maximum benefit of $300 is allowed for eyewear every two years with no deductible.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC NY-29 (HMO-POS), with implant services and orthodontics not covered. Preventive and diagnostic services feature no copay and no coinsurance up to a $1,250 annual maximum, while Medicare-covered services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NY-29 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC NY-29 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC NY-29 (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, medical supplies, and diabetic therapeutic shoes, with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, though manufacturer limitations apply, and prior authorization is required for most medical equipment.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NY-29 (HMO-POS), with prior authorization required for all services. Lab services and diagnostic radiological services feature no copay and no coinsurance, while diagnostic tests require a $50 copay, outpatient X-rays require a $30 copay, and therapeutic radiological services require 20% coinsurance.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage from UHC NY-29 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC NY-29 (HMO-POS) plan with no copay and no coinsurance, but in practice only some services are covered as standard cardiac, intensive cardiac, pulmonary, and SET for 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-29 (HMO-POS) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required, additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NY-29 (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, over-the-counter (OTC) items, and other supplemental services are not covered.
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