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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 2025, 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 2025.
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 $340.00 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 has a $340 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, for standard generic drugs, you will pay a $10 copay, while non-preferred drugs have a 29% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services have copays depending on the service. Emergency and urgent care services have copays, and primary care visits are covered with no copay. Preventive services like annual exams have no copay, and vision services include eye exams and eyewear with no copay. Dental services include a 20% coinsurance for Medicare dental services, while other services have no copay. Hearing aids have copays, and medical equipment and dialysis services have coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For Inpatient Hospital-Acute, you will pay a $445 copay for days 1-4, and no copay for days 5-90, with no coinsurance. For Inpatient Hospital Psychiatric, you will pay a $445 copay for days 1-3, and no copay for days 4-90, with no coinsurance. Additional days for Inpatient Hospital-Acute are covered with no copay, and no coinsurance. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, and additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $445, and observation services with a $445 copay. Ambulatory Surgical Center (ASC) Services have no copay, and Outpatient Substance Abuse Services have copays between $0 and $25 for individual sessions, and a $15 copay for group sessions. Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan, but requires prior authorization. You will have a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan. Ground and Air Ambulance Services have a $225 copay, with no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan. Emergency Services have a $125 copay and no coinsurance, and Urgently Needed Services have a copay between $0 and $55 with no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have no copay and no coinsurance.
Primary Care See details
The AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan covers primary care physician services with no copay, chiropractic services with a $10 copay, occupational therapy with a $0-$45 copay, physician specialist services with a $0-$45 copay, mental health specialty services with a $0-$25 copay for individual sessions and a $15 copay for group sessions, podiatry services with a $40 copay, other health care professional services with a $0-$45 copay, psychiatric services with a $0-$25 copay for individual sessions and a $15 copay for group sessions, physical therapy and speech-language pathology services with a $0-$50 copay, additional telehealth benefits with no copay, and opioid treatment program services with no copay.
Preventive Services See details
Preventive Services include Medicare-covered preventive services, annual physical exams with no copay, and additional preventive services. Additional preventive services include Fitness Benefit, Alternative Therapies, and Home and Bathroom Safety Devices and Modifications, with a copay of $0-$10. The plan does not cover Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, and Remote Access Technologies.
Hearing Services See details
Hearing services include routine hearing exams with no copay, and prescription hearing aids with a copay ranging from $199 to $1249. OTC hearing aids are covered with a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear coverage includes contact lenses, eyeglass lenses, and eyeglass frames, all with no copay, and a combined maximum benefit of $300 every two years.
Dental Services See details
Dental Services are covered, with a 20% coinsurance for Medicare dental services. Other dental services include oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, and oral and maxillofacial surgery; these services have a $0 copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and coinsurance between 0% and 20%, while for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan, but require prior authorization. You are responsible for a 20% coinsurance.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment, Prosthetics, Medical Supplies, and Diabetic Equipment, is covered. Durable Medical Equipment has a 20% coinsurance, and requires authorization. Prosthetic Devices have a 20% coinsurance, while Medical Supplies have a 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan. Diagnostic Procedures/Tests have a $25 copay, Lab Services have no copay, Diagnostic Radiological Services have a copay of up to $150, Therapeutic Radiological Services have a coinsurance of at least 20%, and Outpatient X-Ray Services have a $15 copay.
Home Health Services See details
Home Health Services are covered with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan. Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are also not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $203 per day; there is no coinsurance. Additional days beyond Medicare-covered for SNF and Non-Medicare-covered stays for SNF are not covered.
Other Services See details
The AARP Medicare Advantage Extras from UHC WA-15 (HMO-POS) plan covers acupuncture with a $10 copay for up to 12 treatments per year, and over-the-counter items with no copay, including nicotine replacement therapy and naloxone. The plan also covers a meal benefit with no copay. Other services are not covered.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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