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AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx NY-MA3 (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 Patriot No Rx NY-MA3 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx NY-MA3 (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 Patriot No Rx NY-MA3 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx NY-MA3 (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 Patriot No Rx NY-MA3 (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. Additionally, this plan comes with a Part B Premium reduction of $115.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care, telehealth, and preventive services. For emergency services, members pay a $130 copay, which is waived upon hospital admission, while inpatient hospital stays require a $550 daily copay for the first five days of acute care. Outpatient services and specialist visits are also highly accessible, featuring low to moderate copays and no coinsurance. Essential wellness benefits are well-covered, featuring no-copay routine vision and hearing exams alongside preventive dental care up to a $1,000 annual limit. Members also enjoy no copays or coinsurance for home health care, cardiac rehabilitation, and over-the-counter items. While some specialized services like dialysis, durable medical equipment, and select diagnostic tests require a 20% coinsurance, the plan limits unexpected costs by omitting coinsurance for most standard services.
Inpatient Hospital See details
Inpatient hospital care is partially covered by AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS), offering no coinsurance and a $550 daily copay for days 1 through 5 of an acute stay, and a $550 daily copay for days 1 through 4 of a psychiatric stay, with no copays for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay. Outpatient hospital services have a copay of $0 to $550 (with a $550 daily copay for observation services), and outpatient substance abuse sessions require copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
The AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services range from no copay to a $50 copay 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 Patriot No Rx NY-MA3 (HMO-POS) covers primary care, opioid treatment, and telehealth services with no copay and no coinsurance, while other services like specialist visits, therapy, and mental health care require copays ranging from $0 to $55 and no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered under the AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) plan, offering no copay and no coinsurance for covered benefits like annual physicals, fitness programs, and safety devices. Sub-services that are not covered include 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, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) offers partially covered hearing services with no coinsurance, including one routine hearing exam per year with no copay. While OTC hearing aids (copays of $199.00 to $829.00) and prescription hearing aids (copays of $199.00 to $1,249.00) are covered up to two per year, fitting and evaluation exams as well as inner, outer, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS), offering one routine eye exam per year and eyeglass frames with no copay or coinsurance, alongside a $200 eyewear allowance every two years. Eyeglass lenses require a copay of $0 to $153, while other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) offers partially covered dental services with a $1,000 annual limit, featuring no copay and no coinsurance for preventive care, and no copay with a 50% coinsurance for comprehensive care. Medicare-covered dental services require no copay and a 20% coinsurance, while implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy are required. Associated Medicare Part B chemotherapy and other drugs require no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
The AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) plan covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS), offering durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay from specified manufacturers, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) plan, featuring a $50 copay and no coinsurance for diagnostic tests, and no copay or coinsurance for lab services. Diagnostic radiological services have no copay, outpatient x-rays require a $30 copay, and therapeutic radiological services incur a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered under the AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required. Some services are covered, but standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy for peripheral artery disease services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, as additional days beyond the standard Medicare-covered limit are not covered. Covered days require prior authorization and feature no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100.
Other Services See details
AARP Medicare Advantage Patriot No Rx NY-MA3 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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