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AARP Medicare Advantage from UHC ID-0005 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC ID-0005 (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 ID-0005 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ID-0005 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Idaho. 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 ID-0005 (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 ID-0005 (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 ID-0005 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $64.00. 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 $5900.00 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 ID-0005 (HMO-POS) plan has an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for 1-month and 3-month supplies at standard pharmacies and mail-order services. Tier 2 generic drugs require a $10 copay for a 1-month supply at standard pharmacies, but you can enjoy no copay for a 3-month supply when using preferred mail order. Higher-tier medications on this plan transition to coinsurance costs rather than flat copayments. Tier 3 preferred brand drugs have a 16% coinsurance, while Tier 4 non-preferred drugs require 43% coinsurance and Tier 5 specialty drugs require 27% coinsurance. These coinsurance rates apply to both standard retail pharmacy purchases and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC ID-0005 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, telehealth, routine annual physicals, and home health services. For specialized needs, members pay no copay for routine hearing and vision exams, alongside a $300 eyewear allowance every two years and preventive dental care covered with no copay up to a $1,000 annual limit. Specialist visits feature a low copay ranging from $0 to $50, making routine and preventive healthcare highly affordable. For more intensive medical needs, inpatient hospital stays require a $455 copay for the first few days with no coinsurance, while emergency room visits carry a $130 copay that is waived if admitted. Outpatient surgery, lab services, and diagnostic radiology are available with no copay, though other services like durable medical equipment and dialysis require a standard 20% coinsurance. This plan balances robust everyday wellness benefits with clear, predictable costs for emergency and inpatient care.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC ID-0005 (HMO-POS) with no coinsurance, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Prior authorization is required, featuring a $455 copay for days 1 to 6 of acute stays (no copay for days 7 and beyond) and a $455 copay for days 1 to 5 of psychiatric stays (no copay for days 6 to 90).
Outpatient Services See details
Outpatient Services covered by AARP Medicare Advantage from UHC ID-0005 (HMO-POS) feature no coinsurance, with no copay for ambulatory surgical center services and outpatient blood services. Outpatient hospital services require a copay of $0 to $455, observation services carry a $455 daily copay, and outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ID-0005 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC ID-0005 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. For transportation benefits, some services are covered, but transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC ID-0005 (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay of $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits offered by AARP Medicare Advantage from UHC ID-0005 (HMO-POS) feature no copay and no coinsurance for primary care and telehealth visits, while specialist visits require a $0 to $50 copay and no coinsurance. Physical, occupational, and speech therapies have a $25 copay with no coinsurance, podiatry has a $45 copay with no coinsurance, and chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC ID-0005 (HMO-POS) with no copay and no coinsurance for covered options like annual physical exams, kidney disease education, and fitness benefits. However, several supplemental services are not covered, including health education, nutritional therapy, weight management programs, and in-home safety assessments.
Hearing Services See details
AARP Medicare Advantage from UHC ID-0005 (HMO-POS) features partially covered hearing services, offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are partially covered with copays ranging from $199 to $1,249 and no coinsurance, excluding inner ear, outer ear, and over the ear models, while OTC hearing aids are covered with copays from $199 to $829 and no coinsurance.
Vision Services See details
Vision services are covered by AARP Medicare Advantage from UHC ID-0005 (HMO-POS) with no coinsurance, featuring one annual routine eye exam with no copay, while other eye exams are not covered. Eyewear is partially covered with no coinsurance and a $300 combined limit every two years, including contacts and frames with no copay and lenses with a $0 to $153 copay, though upgrades and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC ID-0005 (HMO-POS), featuring preventive care with no copay and no coinsurance up to a $1,000 yearly limit. Medicare-covered dental services require no copay and 20% coinsurance, while other comprehensive services have no copay and 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under AARP Medicare Advantage from UHC ID-0005 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC ID-0005 (HMO-POS) covers dialysis services 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 from UHC ID-0005 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for most of these medical equipment services and supplies.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC ID-0005 (HMO-POS) covers diagnostic and radiological services with no coinsurance and no copay for lab services, though diagnostic procedures require a $55 copay. Additionally, diagnostic radiological services have no copay, while outpatient X-rays require a $30 copay and therapeutic radiological services incur a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC ID-0005 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC ID-0005 (HMO-POS) plan, as cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are all not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC ID-0005 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, though additional days beyond the standard Medicare-covered limit are not covered. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and prior authorization is required.
Other Services See details
AARP Medicare Advantage from UHC ID-0005 (HMO-POS) partially covers other services, offering a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture and Over-the-Counter (OTC) items are not covered under this benefit.
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