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AARP Medicare Advantage from UHC ID-0006 (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-0006 (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-0006 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ID-0006 (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-0006 (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-0006 (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-0006 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $59.00. 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-0006 (HMO-POS) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for standard pharmacy fills and three-month mail orders. Tier 2 generic prescriptions cost an $8 copay for a one-month supply at standard pharmacies, but offer no copay for a three-month supply when using preferred mail order. Higher-tier medications require coinsurance rather than set copays under this plan. Tier 3 preferred brand drugs carry a 16% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require 40% and 27% coinsurance respectively for one-month supplies. These cost-sharing details help you estimate your out-of-pocket prescription expenses with the AARP Medicare Advantage from UHC ID-0006 (HMO-POS) plan.
Additional Benefits
The AARP Medicare Advantage from UHC ID-0006 (HMO-POS) plan offers comprehensive medical coverage featuring no copays or coinsurance for primary care visits, telehealth, and preventive services. For specialized care, members pay affordable copays ranging from $0 to $45, while emergency room visits carry a $130 copay that is waived upon hospital admission. Inpatient hospital stays require a $455 daily copay for the first several days with no coinsurance, followed by no copay for subsequent days. This plan also provides valuable supplemental benefits, including routine dental, vision, and hearing care with no copays for preventive dental services, annual eye exams, and routine hearing exams. Members pay no copays or coinsurance for home health services and over-the-counter items, while durable medical equipment and dialysis services require no copay and a 20% coinsurance. Overall, this plan is designed to minimize out-of-pocket costs by eliminating deductibles and coinsurance across many essential health services.
Inpatient Hospital See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $455 daily copay for days 1 through 6 of an acute stay and days 1 through 5 of a psychiatric stay, with no copay for subsequent days. Unlimited additional acute days are covered at no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by AARP Medicare Advantage from UHC ID-0006 (HMO-POS) feature no coinsurance, with copays ranging from $0 to $455 for outpatient hospital services and a $455 daily copay for observation services. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance. Transportation services are partially covered, offering 12 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services are covered under the AARP Medicare Advantage from UHC ID-0006 (HMO-POS) with a $130 copay, which is waived if 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 covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC ID-0006 (HMO-POS) plan feature no copay and no coinsurance for primary care physician visits, telehealth, and opioid treatment. Specialist visits, therapy, podiatry, and mental health services require copays ranging from $0 to $45 with no coinsurance, while some chiropractic services are covered but routine and other chiropractic services are not.
Preventive Services See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, fitness benefits, home safety devices, and various screenings. However, additional preventive services are only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) offers partially covered hearing services with no coinsurance, though fitting and evaluation exams, as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered. Covered routine hearing exams have no copay, while covered OTC hearing aids require a $199.00 to $829.00 copay and prescription hearing aids require a $199.00 to $1,249.00 copay.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC ID-0006 (HMO-POS), featuring no deductible, no coinsurance, and no copay for annual routine eye exams and contact lenses. For eyewear, there is a $250 combined limit every two years with no deductible or coinsurance, offering no copay for frames and a $0 to $153 copay for lenses, while other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) partially covers dental services, providing preventive care with no copay or coinsurance up to a $1,000 annual limit, and Medicare-covered dental with no copay and a 20% coinsurance. Most comprehensive services are covered with no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and radiation, require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC ID-0006 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC ID-0006 (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 services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC ID-0006 (HMO-POS), with prior authorization required for services. Diagnostic tests require a $50 copay and no coinsurance, lab services and diagnostic radiology have no copay, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC ID-0006 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by AARP Medicare Advantage from UHC ID-0006 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, specific programs including standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, no prior three-day hospital stay is needed, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC ID-0006 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and other extra services are not covered, and the meal benefit requires prior authorization.
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