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AARP Medicare Advantage from UHC TX-0015 (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-0015 (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-0015 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC TX-0015 (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 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC TX-0015 (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-0015 (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-0015 (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 $4800.00 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-0015 (HMO-POS) plan has an annual drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for 1-month or 3-month supplies at standard pharmacies and mail-order services. Tier 2 generic drugs require a $12 copay for a 1-month supply at standard pharmacies, though you can secure a 3-month supply with no copay when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brands require a 15% coinsurance, while Tier 4 non-preferred drugs carry a 40% coinsurance for a 1-month supply. Tier 5 specialty drugs have a 27% coinsurance for a 1-month supply across standard pharmacies and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC TX-0015 (HMO-POS) plan offers affordable access to essential medical care, featuring no copay and no coinsurance for primary care visits, telehealth, and annual preventive services. Specialist visits require a low copay of up to $35, while inpatient hospital stays carry a $495 copay per admission with no coinsurance. Emergency care is available with a $130 copay, and outpatient services range from no copay up to a $495 copay. Routine dental cleanings, annual eye exams, and yearly hearing exams are covered with no copay or coinsurance. For vision and hearing hardware, members receive a $150 eyewear allowance and copay-based hearing aid coverage. Home health care requires no copay, while durable medical equipment carries a 20% coinsurance and skilled nursing facility stays require a $218 daily copay after day 20.
Inpatient Hospital See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers inpatient acute and psychiatric hospital stays with a $495 copay per admission and no coinsurance. Unlimited additional days for acute stays are covered with no copay, though upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers outpatient services with no coinsurance, including outpatient hospital services with a copay of $0 to $495 and observation services with a daily copay of $495. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services require no coinsurance and a copay ranging from $0 to $25 depending on the session type.
Partial Hospitalization See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC TX-0015 (HMO-POS) with a $130 copay, which is waived if you are admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits range from no copay to a $35 copay with no coinsurance. Physical, occupational, and speech therapies require a $30 copay with no coinsurance, though routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers preventive services, including annual physical exams, fitness benefits, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. However, these additional preventive services are only partially covered, with benefits like health education, weight management, in-home safety assessments, and nutritional counseling not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC TX-0015 (HMO-POS), which features one annual routine hearing exam with no copay and no coinsurance, though hearing aid fittings and evaluations are not covered. Prescription hearing aids require a $199.00 to $1,249.00 copay and OTC hearing aids require a $199.00 to $829.00 copay—both with no coinsurance for up to two devices yearly—but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) provides partially covered vision services with no copay and no coinsurance for annual routine eye exams, alongside a $150 combined allowance every two years for eyewear. Covered eyewear includes contact lenses and frames with no copay, and lenses with a $0 to $153 copay and no coinsurance, while other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) partially covers dental services, featuring Medicare-covered dental care with no copay and 20% coinsurance, and preventive services like cleanings and exams with no copay and no coinsurance. However, restorative, endodontic, periodontic, prosthodontic, oral surgery, implant, and orthodontic services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC TX-0015 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy and other drugs carry a 0% to 20% coinsurance with no copay, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Lab and diagnostic radiological services have no copay and no coinsurance, diagnostic tests require a $50 copay and no coinsurance, outpatient X-rays carry a $30 copay and coinsurance, and therapeutic radiology requires a 20% coinsurance and a copay.
Home Health Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization and a referral are required to receive these covered services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers Cardiac Rehabilitation Services with no copay and no coinsurance, although only some services are covered. In practice, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization and referrals are required, but a prior three-day inpatient hospital stay is not, and additional days beyond the standard 100-day limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC TX-0015 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered.
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