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AARP Medicare Advantage Extras UT-7 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras UT-7 (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 Extras UT-7 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras UT-7 (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 Extras UT-7 (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 Extras UT-7 (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 Extras UT-7 (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 $6700.00 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 Extras UT-7 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras UT-7 (HMO-POS) plan has an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for standard pharmacy and mail-order fills. Tier 2 generic drugs carry a $10 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay using preferred mail order. Tier 3 preferred brand drugs require a 15% coinsurance for both standard pharmacy and mail-order options. For higher-tier prescriptions, Tier 4 non-preferred drugs carry a 35% coinsurance, while Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply. These cost-sharing details help you estimate your out-of-pocket prescription expenses with this Medicare Advantage plan.
Additional Benefits
The AARP Medicare Advantage Extras UT-7 (HMO-POS) plan offers comprehensive coverage with no copays or coinsurance for primary care visits, preventive services, annual routine eye and hearing exams, and home health care. For inpatient hospital stays, members pay no coinsurance but face a $550 daily copay for the first few days of acute or psychiatric stays, followed by no copay for the remaining covered days. Specialist visits, urgent care, and diagnostic tests are also highly affordable, requiring low copays and no coinsurance. Dental, vision, and hearing benefits are robust, featuring no copays for preventive dental services up to a $3,000 limit and a $200 eyewear allowance. Emergency care carries a $130 copay, which is waived if admitted, while worldwide emergency coverage features no copays or coinsurance. For medical equipment, dialysis, and therapeutic radiology, members can expect no copays and a standard 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital care is partially covered by AARP Medicare Advantage Extras UT-7 (HMO-POS) with no coinsurance, requiring a $550 daily copay for days 1 to 5 for acute stays and days 1 to 4 for psychiatric stays, followed by no copay for remaining covered days. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras UT-7 (HMO-POS) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $550, observation services cost a $550 copay per day, and outpatient substance abuse sessions have a copay ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Extras UT-7 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the AARP Medicare Advantage Extras UT-7 (HMO-POS) plan, requiring prior authorization and a $290 copay with no coinsurance for both ground and air ambulance services. For transportation benefits, some services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Extras UT-7 (HMO-POS) with a $130 copay (waived if admitted to the hospital within 24 hours) and no coinsurance, while urgently needed services require a $0 to $50 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage Extras UT-7 (HMO-POS) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $55 copay with no coinsurance. Physical, occupational, and mental health therapies require copays up to $50 with no coinsurance, though chiropractic services are not covered in practice.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Extras UT-7 (HMO-POS) with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. Additional preventive services are partially covered, offering fitness benefits and home safety devices, while excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
Hearing Services are partially covered by AARP Medicare Advantage Extras UT-7 (HMO-POS), which offers one annual routine hearing exam with no copay, no coinsurance, and no deductible, while fitting and evaluation exams are not covered. The plan covers up to two OTC hearing aids per year with a $199.00 to $829.00 copay and no coinsurance, as well as up to two prescription hearing aids with a $199.00 to $1,249.00 copay and no coinsurance, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Extras UT-7 (HMO-POS) plan, which features no deductibles and no coinsurance. Patients pay no copay for one annual routine eye exam, and receive up to $200 every two years for eyewear with no copay for frames or contacts and a $0 to $153 copay for lenses, though other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras UT-7 (HMO-POS), as implant services and orthodontics are not covered. Preventive dental services have no copay and no coinsurance up to a $3,000 annual limit, while Medicare-covered services require no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Extras UT-7 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Medicare Part B drugs under this benefit, including chemotherapy and insulin, carry coinsurance ranging from no coinsurance to 20%, with insulin specifically requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage Extras UT-7 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
AARP Medicare Advantage Extras UT-7 (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 have a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage Extras UT-7 (HMO-POS) plan, with prior authorization required for all services. Diagnostic tests carry a $50 copay with no coinsurance, lab services and diagnostic radiology have no copay or coinsurance, outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiology requires 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Extras UT-7 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage Extras UT-7 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. While some services are covered, specific sub-services 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
The AARP Medicare Advantage Extras UT-7 (HMO-POS) plan covers Skilled Nursing Facility (SNF) services with no coinsurance and does not require a prior three-day inpatient hospital stay, though prior authorization is required. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Extras UT-7 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and meal benefits for chronic illnesses with no copays and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required to receive the meal benefit.
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