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AARP Medicare Advantage from UHC UT-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 UT-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 UT-0005 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC UT-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 Utah. 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 UT-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 UT-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 UT-0005 (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 $5200.00 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 UT-0005 (HMO-POS) plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, members pay no copay for both one-month and three-month supplies at standard pharmacies and mail order. Tier 2 generic drugs have a $10 copay for a one-month supply at standard pharmacies, but offer no copay for a three-month supply when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance, while Tier 4 non-preferred drugs carry a 40% coinsurance. Tier 5 specialty drugs require a 28% coinsurance for a one-month supply through standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC UT-0005 (HMO-POS) plan offers comprehensive coverage with predictable cost-sharing, featuring no copays and no coinsurance for primary care visits, telehealth, and preventive services. For specialized medical needs, specialist visits range from no copay to a $35 copay, while emergency care requires a $130 copay and inpatient hospital stays require a $450 daily copay for the first five days. Diagnostic services like lab work and home health care are also available with no copays or coinsurance, helping to keep routine medical care affordable. This plan also includes key supplemental benefits, providing routine dental, vision, and hearing exams with no copays or coinsurance. Members can access prescription hearing aids and eyewear with copays and no coinsurance, though comprehensive dental services are not covered under this plan. Additionally, durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital care is partially covered by AARP Medicare Advantage from UHC UT-0005 (HMO-POS) with no coinsurance, requiring a $450 daily copayment for days 1 through 5 and no copayment for days 6 through 90 for both acute and psychiatric stays. Prior authorization is required, and while unlimited additional acute days are covered with no copayment, psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC UT-0005 (HMO-POS) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $450 for outpatient hospital and observation services, and no copay for ambulatory surgical center and blood services. Outpatient substance abuse services also carry no coinsurance, with copays between $0 and $25 for individual sessions and $15 for group sessions, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC UT-0005 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage from UHC UT-0005 (HMO-POS) with a $290 copay and no coinsurance for ground and air transport, subject to prior authorization. Transportation services to plan-approved or health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC UT-0005 (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 copay of up to $50 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 UT-0005 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance. Specialist visits range from a $0 to $35 copay, physical, occupational, and speech therapies require a $25 copay, and routine chiropractic care is not covered, all with no coinsurance.
Preventive Services See details
AARP Medicare Advantage from UHC UT-0005 (HMO-POS) offers partially covered preventive services with no copays and no coinsurance for covered benefits like annual physical exams, kidney disease education, and fitness benefits. However, several supplemental services are not covered, including health education, personal emergency response systems (PERS), weight management programs, and in-home support.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC UT-0005 (HMO-POS), offering one annual routine exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are covered with a $199.00 to $1,249.00 copay and no coinsurance for up to two devices yearly, excluding inner ear, outer ear, and over the ear models. OTC hearing aids are also covered with a copay of $199.00 to $829.00 and no coinsurance for up to two devices per year.
Vision Services See details
AARP Medicare Advantage from UHC UT-0005 (HMO-POS) partially covers vision services with no deductible or coinsurance, offering no copay for annual routine eye exams and a $0 to $153 copay for eyewear up to a $300 limit every two years. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC UT-0005 (HMO-POS) provides partially covered dental services, featuring Medicare-covered dental care with no copay and a 20% coinsurance. Preventive services like cleanings, exams, and X-rays are covered with no copay and no coinsurance, while comprehensive services such as restorative work, endodontics, periodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC UT-0005 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC UT-0005 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to access these services.
Medical Equipment See details
AARP Medicare Advantage from UHC UT-0005 (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, and diabetic services, with no copay for all categories. A 20% coinsurance applies to DME, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC UT-0005 (HMO-POS) covers diagnostic services with no coinsurance, offering lab services with no copay and diagnostic procedures with a $50 copay. Radiological services are also covered and feature no copay for diagnostic radiology, a $30 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiology, with prior authorization required for both service categories.
Home Health Services See details
Home health services are covered under AARP Medicare Advantage from UHC UT-0005 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC UT-0005 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC UT-0005 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and does not require a prior three-day inpatient hospital stay. You will pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered under the AARP Medicare Advantage from UHC UT-0005 (HMO-POS) plan, featuring no copay and no coinsurance for over-the-counter (OTC) items and meal benefits for chronic illnesses. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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