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AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx ID-MA01 (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 Patriot No Rx ID-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx ID-MA01 (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 Patriot No Rx ID-MA01 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx ID-MA01 (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 Patriot No Rx ID-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $90.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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 Patriot No Rx ID-MA01 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) offers comprehensive coverage for everyday healthcare needs, featuring no copay or coinsurance for primary care visits, telehealth, and preventive services. For specialist visits, copays range from $0 to $55, while emergency room visits carry a $130 copay that is waived if you are admitted. Inpatient hospital stays require a $550 daily copay for the first five days, with no copay for subsequent days and no coinsurance. This plan also provides valuable supplemental benefits, including routine eye and hearing exams with no copay, alongside dental care that offers preventive services with no copay up to a $1,500 annual limit. Prescription hearing aids require a copay, while medical equipment and dialysis services generally involve a 20% coinsurance with no copay. Skilled nursing facility stays feature no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) covers inpatient acute hospital stays with no coinsurance, requiring a $550 copay for days 1-5 and no copay for days 6 and beyond, though upgrades and non-Medicare-covered stays are not covered. Inpatient psychiatric stays are also covered with no coinsurance, requiring a $550 copay for days 1-4 and no copay for days 5-90, while additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital services require a $0 to $550 copay, observation services have a $550 daily copay, and outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) with a $290 copayment and no coinsurance for both ground and air transportation, which require prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Patriot No Rx ID-MA01 (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 require 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
AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) covers primary care visits and telehealth services with no copay and no coinsurance. Other services, including specialist visits, physical therapy, and mental health care, are covered with copays ranging from $0 to $55 and no coinsurance, while chiropractic benefits are only partially covered as routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS), offering annual physical exams, kidney disease education, fitness benefits, home safety devices, and various health screenings with no copay and no coinsurance. However, several supplemental services, including health education, weight management, nutritional therapy, and personal emergency response systems, are not covered.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan, featuring routine hearing exams with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are covered up to two per year with a $199.00 to $1,249.00 copay and no coinsurance, excluding inner ear, outer ear, and over-the-ear types. OTC hearing aids are also covered up to two per year with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
Vision Services are partially covered by the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan with no deductibles, no coinsurance, and no copay for routine eye exams and frames, though eyeglass lenses have a copay of $0 to $153. Covered eyewear is subject to a $200 maximum every two years, while other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) provides partially covered dental services, excluding implant services and orthodontics. Preventive and diagnostic services feature no copay and no coinsurance up to a $1,500 annual limit, while Medicare-covered dental services have a 20% coinsurance and covered comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
The AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) covers Home Infusion bundled Services with no copay, although prior authorization is required. Covered Medicare Part B drugs, including chemotherapy, radiation, and insulin, carry no coinsurance to 20% coinsurance, with insulin specifically requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx ID-MA01 (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
AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) covers medical equipment, including durable medical equipment, prosthetics, and diabetic supplies, with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) with prior authorization required. Diagnostic services feature no coinsurance, with a $50 copay for procedures and no copay for lab tests. Radiological services include a $30 copay for outpatient X-rays, a 20% coinsurance for therapeutic radiology, and no copay for diagnostic radiology.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) technically covers some Cardiac Rehabilitation Services with no copay, no coinsurance, and prior authorization required, though in practice, standard, intensive, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) with no coinsurance, as additional days beyond the standard Medicare-covered limit are not covered. Covered days require prior authorization and feature no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100.
Other Services See details
AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan benefit, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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