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AARP Medicare Advantage from UHC NY-34 (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-34 (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-34 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NY-34 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 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-34 (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-34 (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-34 (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 $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 $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-34 (HMO-POS) plan features an annual 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 and through mail-order services. Tier 2 generic drugs cost a $14 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay when using preferred mail-order services. Higher-tier medications under this plan are subject to coinsurance rather than flat copayments. You will pay 15% coinsurance for Tier 3 preferred brand drugs and 39% coinsurance for Tier 4 non-preferred drugs. Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply across standard pharmacies and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC NY-34 (HMO-POS) plan offers comprehensive medical coverage with predictable costs, including no copay for primary care visits and home health services. For inpatient hospital stays, members pay a daily copay of $395 for the first five days and no copay for days six through 90, with no coinsurance required. Emergency room visits carry a $115 copay, while specialist visits and outpatient hospital services feature low-to-moderate copays and no coinsurance. Supplemental benefits under this plan include routine dental, vision, and hearing exams with no copay or coinsurance, alongside a $250 eyewear allowance every two years. Durable medical equipment, dialysis services, and therapeutic radiology are covered with a 20% coinsurance and no copay, while diabetic supplies feature no copay. Additionally, the plan covers over-the-counter items and chronic illness meals with no copay and no coinsurance, though some specialized services like cardiac rehabilitation are not covered.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $395 daily copay for days 1 to 5 and no copay for days 6 to 90. Unlimited additional acute care days are covered with no copay, but upgrades, psychiatric additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $395 for outpatient hospital services and a $395 daily copay for observation services. Ambulatory surgical center and outpatient blood services are fully covered with no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays between $0 and $25 per session.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services under the AARP Medicare Advantage from UHC NY-34 (HMO-POS) plan include covered ground and air ambulance services for a $275 copay and no coinsurance, with prior authorization required. Transportation services, including trips to plan-approved or any health-related locations, are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $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-34 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist, therapy, and mental health visits have copays ranging from $0 to $45 and no coinsurance. For chiropractic care, some services are covered with a $15 copay and no coinsurance, but routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, select screenings, fitness benefits, and home safety devices. However, several supplemental services are not covered, including health education, nutritional therapy, in-home support, and weight management programs.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NY-34 (HMO-POS), offering one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation services are not covered. Prescription hearing aids require a $199 to $1,249 copay and OTC hearing aids require a $199 to $829 copay, both with no coinsurance, but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) partially covers vision services, providing one routine eye exam per year with no copay and no coinsurance, while other eye exam services are not covered. Covered eyewear has no coinsurance and a $250 maximum limit every two years, featuring no copay for contact lenses and frames, a $0 to $153 copay for eyeglass lenses, and no coverage for upgrades or combined eyeglasses (lenses and frames).
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC NY-34 (HMO-POS), featuring no copay and no coinsurance for preventive care like cleanings, exams, and x-rays. Medicare-covered dental services are available with no copay and a 20% coinsurance, but restorative services, endodontics, periodontics, prosthodontics, implants, and oral surgery are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC NY-34 (HMO-POS) with no copay, while associated Medicare Part B chemotherapy and other drugs require no coinsurance to 20% coinsurance. Covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, and prior authorization is required.
Dialysis Services See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are 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-34 (HMO-POS), featuring a $50 copay and no coinsurance for diagnostic tests, and no copay for lab services. Diagnostic radiology copays start at $0, outpatient X-rays require a $30 copay, and therapeutic radiology carries a minimum 20% coinsurance, with prior authorization required.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC NY-34 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC NY-34 (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 covered by AARP Medicare Advantage from UHC NY-34 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NY-34 (HMO-POS) partially covers other services, with acupuncture not covered. Over-the-counter (OTC) items and chronic illness meal benefits are covered with no copay and no coinsurance, though the meal benefit requires prior authorization.
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