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AARP Medicare Advantage from UHC TX-51 (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-51 (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-51 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC TX-51 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 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-51 (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-51 (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-51 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $24.00. 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 $3600.00 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 from UHC TX-51 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage from UHC TX-51 (HMO-POS) prescription drug plan features an annual drug deductible of $355. For Tier 1 preferred generics and Tier 2 generics, members enjoy no copay for 1-month and 3-month supplies at standard pharmacies, as well as 3-month supplies through standard mail order. This plan provides cost-effective options for common medications to help keep your healthcare expenses low. For higher-tier medications, costs are based on a coinsurance percentage rather than a flat copayment. Tier 3 preferred brands require a 20% coinsurance for standard pharmacy and mail-order fills, while Tier 4 non-preferred drugs carry a 41% coinsurance for a 1-month supply. Specialty medications in Tier 5 are covered with a 29% coinsurance for a 1-month supply through standard pharmacies and standard mail order.
Additional Benefits
The AARP Medicare Advantage from UHC TX-51 (HMO-POS) plan offers affordable healthcare coverage with no copay and no coinsurance for primary care visits, telehealth, and annual preventive screenings. For specialized care, specialist visits and physical therapy require a low copay of up to $20 with no coinsurance. Inpatient hospital stays require a $250 daily copay for days one through five, followed by no copay for days six through 90. Members also benefit from dental, vision, and hearing coverage, including routine eye and hearing exams with no copay, alongside preventive dental care up to a $5,000 annual limit with no copay. Emergency room visits carry a $150 copay, which is waived if admitted, while urgent care services range from no copay to a $65 copay. For durable medical equipment and dialysis services, the plan features no copay and a standard 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $250 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional acute care days are covered at no copay, but additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) covers outpatient services with no coinsurance, including outpatient hospital services with a $0 to $250 copay and observation services with a $250 daily copay. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) covers partial hospitalization services with no copay and no coinsurance, though prior authorization and a referral are required.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance, though trips to any health-related location are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a copay ranging from $0 to $65 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, whereas specialist visits, physical therapy, and podiatry require copays up to $20 and no coinsurance. Mental health and psychiatric services have copays up to $25 with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive Services under the AARP Medicare Advantage from UHC TX-51 (HMO-POS) plan are covered with no copay and no coinsurance for annual physicals, kidney disease education, and various screenings. Additional preventive benefits are partially covered, offering fitness programs and home safety devices with no copay, while sub-services such as health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC TX-51 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are also partially covered with a $199 to $1,249 copay and no coinsurance for up to two devices per year, excluding inner ear, outer ear, and over the ear types, while OTC hearing aids are covered with a $199 to $829 copay and no coinsurance.
Vision Services See details
Vision services are partially covered under the AARP Medicare Advantage from UHC TX-51 (HMO-POS) plan, offering annual routine eye exams with no copay, no coinsurance, and no deductible, while other eye exam services are not covered. Eyewear is also partially covered with no coinsurance and a $300 maximum limit every two years, featuring no copay for contact lenses and frames and a $0 to $153 copay for lenses, while upgrades and combined eyeglasses packages are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC TX-51 (HMO-POS), excluding implant services and orthodontics. Preventive care is available with no copay and no coinsurance up to a $5,000 annual limit, while Medicare-covered services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copays.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC TX-51 (HMO-POS) with no copay, though prior authorization and step therapy are required. Medicare Part B chemotherapy, radiation, and other covered drugs have no copay and a 0% to 20% coinsurance, while covered Part B insulin requires a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC TX-51 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage from UHC TX-51 (HMO-POS) plan with no copay and 20% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment and supply categories.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) covers diagnostic and radiological services with prior authorization and referrals required. Diagnostic procedures and tests require a $50 copay with no coinsurance, lab services feature no copay, and diagnostic radiological services have copays starting at $0. Outpatient X-rays require a $30 copay, while therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) covers Home Health Services with no copay and no coinsurance, though prior authorization and a referral are required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are not covered under the AARP Medicare Advantage from UHC TX-51 (HMO-POS) plan. This non-coverage applies to all related sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, though prior authorization and a referral are required. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with no prior three-day inpatient hospital stay required before admission.
Other Services See details
AARP Medicare Advantage from UHC TX-51 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meals with no copay and no coinsurance. Acupuncture and other extra services are not covered under this benefit, and prior authorization is required for the meal benefit.
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