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AARP Medicare Advantage from UHC WA-0010 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC WA-0010 (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 WA-0010 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Washington. 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 WA-0010 (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 WA-0010 (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 WA-0010 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $79.00. 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 $355.00 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 $4900.00 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 WA-0010 (HMO-POS) plan has an annual prescription drug deductible of $355. For Tier 1 preferred generic and Tier 2 generic drugs, you will pay no copay for 1-month and 3-month supplies at standard retail pharmacies and standard mail order. This makes managing common, everyday medications highly affordable under this plan. For higher-tier medications, costs are structured around coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs require a 21% coinsurance, while Tier 4 non-preferred drugs have a 41% coinsurance and Tier 5 specialty drugs carry a 29% coinsurance for standard 1-month supplies. These coinsurance rates apply to both standard retail pharmacy purchases and standard mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC WA-0010 (HMO-POS) plan offers comprehensive coverage with no coinsurance for many core medical services, including inpatient hospital stays, outpatient care, and emergency services. Members enjoy no copays for primary care visits, telehealth consultations, and annual preventive care, while specialist visits require a low copay of up to $35. Emergency room visits carry a $130 copay, which is waived if you are admitted, and home health services are covered with no copay or coinsurance. Routine dental, vision, and hearing exams are also covered with no copay, though prescription eyewear and hearing aids require specific copayments. Standard diagnostic lab services feature no copay, while durable medical equipment and dialysis services require a 20% coinsurance. This plan helps keep healthcare costs predictable by utilizing flat copays instead of coinsurance for the vast majority of everyday medical needs.
Inpatient Hospital See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1 to 7 of acute stays (no copay for days 8 and beyond) and days 1 to 5 of psychiatric stays (no copay for days 6 to 90). Hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC WA-0010 (HMO-POS) with no coinsurance across all services, though prior authorization is required. Patients will pay a copay of $0 to $395 for outpatient hospital services and $0 to $25 for outpatient substance abuse services, while ambulatory surgical center and outpatient blood services require no copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Non-emergency transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency Services under AARP Medicare Advantage from UHC WA-0010 (HMO-POS) are covered 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 copay of $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $35 copay and no coinsurance. Therapy services incur a $35 copay and no coinsurance, and chiropractic benefits are partially covered, offering routine care for a $10 copay and no coinsurance while excluding other chiropractic services.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC WA-0010 (HMO-POS) with no copay and no coinsurance for covered benefits such as annual physical exams, kidney disease education, fitness benefits, glaucoma screenings, and diabetes self-management. However, several supplemental benefits, including health education, weight management programs, personal emergency response systems, and in-home safety assessments, are not covered under this plan.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC WA-0010 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, but excluding hearing aid fittings and evaluations. The plan also covers up to two prescription hearing aids (with copays from $199.00 to $1,249.00) and two OTC hearing aids (with copays from $199.00 to $829.00) per year with no coinsurance, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) offers partially covered vision services with no deductible, including one annual routine eye exam with no copay and no coinsurance, while other eye exams are not covered. Eyewear is also partially covered with no coinsurance and a $300 limit every two years, featuring no copay for contact lenses and frames, a $0 to $153 copay for lenses, and excluding upgrades and eyeglasses (lenses and frames).
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC WA-0010 (HMO-POS), featuring Medicare-covered dental care with no copay and a 20% coinsurance, and preventive services with no copay and no coinsurance. Restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and radiation, have a 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC WA-0010 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) covers medical equipment with no copay, though a 20% coinsurance applies to durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Members will pay no copay for lab services and diagnostic radiology, a $5 copay for diagnostic procedures and tests, a $25 copay for outpatient X-rays, and a minimum $80 copay for therapeutic radiological services.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC WA-0010 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) requires prior authorization for cardiac rehabilitation services; while some services are covered with no copay and no coinsurance, in practice, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC WA-0010 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with no coverage provided for additional days.
Other Services See details
AARP Medicare Advantage from UHC WA-0010 (HMO-POS) partially covers other services, offering acupuncture for a $10.00 copay and no coinsurance for up to 12 treatments per year, alongside a chronic illness meal benefit with no copay, no coinsurance, and prior authorization required. Over-the-counter (OTC) items are not covered under this plan.
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