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AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC WA-15 (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 Extras from UHC WA-15 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Spokane 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 Extras from UHC WA-15 (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 Extras from UHC WA-15 (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 Extras from UHC WA-15 (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 $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 $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:
Sign up for AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs cost a $10 copay for a 1-month supply at standard pharmacies, while a 3-month supply has no copay when filled through preferred mail order. Higher-tier medications under this plan require coinsurance instead of flat copayments. Tier 3 preferred brand drugs have a 15% coinsurance across standard pharmacies and mail order options. Tier 4 non-preferred drugs require a 38% coinsurance, and Tier 5 specialty drugs carry a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, telehealth, and preventive services. Emergency services require a $130 copay with no coinsurance, while inpatient hospital stays incur a $495 daily copay for the first few days before transitioning to no copay. Outpatient hospital visits range from no copay up to a $495 copay, with no coinsurance required. Routine vision and preventive dental services feature no copay, with dental benefits capped at a $1,500 annual limit and vision offering a $200 allowance for lenses every two years. Routine hearing exams also have no copay, and the plan covers up to two hearing aids annually with copays starting at $199. For specialized medical needs, durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $495 daily copay for days 1 through 5 of acute stays (no copay for days 6 and beyond) and a $495 daily copay for days 1 through 4 of psychiatric stays (no copay for days 5 through 90). Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) with no coinsurance, though prior authorization is required. Ambulatory surgical and blood services have no copay, while outpatient hospital visits range from a $0 to $495 copay, and substance abuse sessions require copays between $0 and $25.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage Extras from UHC WA-15 (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 Extras from UHC WA-15 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require 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 Extras from UHC WA-15 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance. Specialist, therapy, and mental health services require copays ranging from $0 to $60 and no coinsurance, while chiropractic benefits are partially covered with routine care costing a $10 copay and other chiropractic services not covered.
Preventive Services See details
AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) features partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, screenings, and fitness programs. However, several additional services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, and caregiver support.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance. While fitting and evaluation exams, as well as inner ear, outer ear, and over-the-ear prescription hearing aids are not covered, the plan covers up to two prescription hearing aids (copay of $199 to $1,249, no coinsurance) and up to two OTC hearing aids (copay of $199 to $829, no coinsurance) per year.
Vision Services See details
AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) partially covers vision services with no deductible and no coinsurance, offering no copay for annual routine eye exams, contact lenses, and frames, alongside a $0 to $153 copay for eyeglass lenses up to a $200 limit every two years. Other eye exam services, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS), with implant services and orthodontics being excluded from coverage. Preventive services feature no copay and no coinsurance up to a $1,500 annual maximum, while Medicare-covered services require no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment (DME), prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for most equipment and devices.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $0 minimum copay for diagnostic radiological services, a $5 copay for diagnostic tests and outpatient X-rays, and a minimum $60 copay for therapeutic radiological services.
Home Health Services See details
AARP Medicare Advantage Extras from UHC WA-15 (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 by AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) covers skilled nursing facility services with no coinsurance and no prior three-day hospital stay requirement. There is no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and prior authorization is required, with no coverage for additional days beyond the standard Medicare limit.
Other Services See details
AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) covers select other services, including acupuncture for a $10 copay and no coinsurance (limited to 12 treatments per year), and over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and some other additional services are not covered.
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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