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AARP Medicare Advantage from UHC TX-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 TX-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 TX-0010 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC TX-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 Texas. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC TX-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 TX-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 TX-0010 (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 $440.00 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:
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Drug Coverage
The AARP Medicare Advantage from UHC TX-0010 (HMO-POS) plan features an annual drug deductible of $440. Under this plan, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies and through mail order. Tier 2 generic drugs cost a $12 copay for a one-month supply at standard pharmacies, but you can enjoy no copay for a three-month supply when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance percentages rather than flat copayments. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 42% coinsurance for a one-month supply. Tier 5 specialty drugs require a 28% coinsurance across standard pharmacies and mail order services.
Additional Benefits
The AARP Medicare Advantage from UHC TX-0010 (HMO-POS) plan offers robust medical coverage with no copay for primary care visits, telehealth services, annual preventive exams, and lab tests. Specialist visits require a copay of up to $40, while inpatient hospital stays feature a $395 daily copay for the first five to six days and no copay for the remaining covered days. Emergency care is available with a $130 copay that is waived if admitted within 24 hours, and urgent care ranges from no copay up to $50. For ancillary benefits, the plan features routine vision and hearing exams with no copay, plus a $150 eyewear allowance and hearing aid coverage with copays up to $1,249. Preventive dental care has no copay up to a $1,000 annual limit, while comprehensive dental services and durable medical equipment require coinsurance but no copay. Members also benefit from home health services, chronic illness meals, and over-the-counter items with no copay.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC TX-0010 (HMO-POS) with no coinsurance, featuring a $395 daily copay for days 1–6 of acute stays and days 1–5 of psychiatric stays. There is no copay for remaining covered days, but 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 TX-0010 (HMO-POS) with no coinsurance, featuring a copay of $0 to $395 for hospital services, a $395 daily copay for observation services, and no copay for ambulatory surgical and blood services. Outpatient substance abuse services also have no coinsurance, with copays ranging from $0 to $25 for individual sessions and a flat $15 copay for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC TX-0010 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Both prior authorization and a referral are required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance services under the AARP Medicare Advantage from UHC TX-0010 (HMO-POS) plan require a $275 copay and no coinsurance for both ground and air transportation, with prior authorization required and no copay waiver upon hospital admission. Non-emergency transportation services to plan-approved or health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC TX-0010 (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 a $0 to $50 copay with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC TX-0010 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $40 copay and no coinsurance. Physical, occupational, and speech therapy services have a $20 copay and no coinsurance, but chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC TX-0010 (HMO-POS) provides partially covered preventive services with no copay and no coinsurance for covered services, including annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management training, and fitness benefits. 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, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing Services are partially covered under the AARP Medicare Advantage from UHC TX-0010 (HMO-POS) plan, which features no copay and no coinsurance for one annual routine hearing exam. Prescription and OTC hearing aids are covered with no coinsurance and copays ranging from $199.00 to $1,249.00 for up to two aids per year, though fitting/evaluation services and inner, outer, or over-the-ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC TX-0010 (HMO-POS) covers routine eye exams and eyewear with no coinsurance and no copay, featuring one routine exam annually and a $150 combined eyewear allowance every two years. Eyeglass lenses are covered with a copay of $0 to $153, while other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC TX-0010 (HMO-POS) partially covers dental services, excluding implant services and orthodontics. Preventive care has no copay and no coinsurance up to a $1,000 annual limit, while Medicare-covered services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC TX-0010 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs require between no coinsurance and 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 from UHC TX-0010 (HMO-POS) plan with no copay and a 20% coinsurance. Patients must obtain a referral and prior authorization to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC TX-0010 (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 benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC TX-0010 (HMO-POS) covers diagnostic procedures and tests with a $50 copay and no coinsurance, while lab services are available with no copay and no coinsurance. Diagnostic radiological services feature copays starting at $0, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC TX-0010 (HMO-POS) with no copay and no coinsurance. Prior authorization and a referral are required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC TX-0010 (HMO-POS) plan with no copay and no coinsurance, requiring both a referral and prior authorization. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC TX-0010 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and a referral. There is no copay for days 1 to 20, followed by a $218 daily copay for days 21 to 100, though additional days beyond the standard 100-day limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC TX-0010 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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