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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 2025, 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 State of Idaho. This plan received an overall rating of 3.5 out of 5 stars in 2025.
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 $75.00. 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) plan offers a range of benefits with varying costs. For inpatient hospital stays, you'll pay a $535 copay for the first few days, but nothing after that. Many services have no copay, including primary care visits, preventive services like annual physicals, eye exams, and dental cleanings. The plan covers services like outpatient care, emergency services, and hearing and vision care. You can expect copays for services like ambulance, specialist visits, and diagnostic tests. Additionally, there are coinsurance costs for services such as dialysis, medical equipment, and some radiological services.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, but Non-Medicare-covered Stay for Inpatient Hospital-Acute, Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered. For Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, you pay a $535 copay for days 1-4 or 1-5, and no copay for days 6-90.
Outpatient Services See details
Outpatient Services are covered by the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan, including all outpatient hospital services. Outpatient hospital services have a copay of $0.00 - $535.00, observation services have a copay of $535.00, and ambulatory surgical center (ASC) services have no copay. Outpatient blood services and individual sessions for outpatient substance abuse have no copay, while group sessions for outpatient substance abuse have a copay of $15.00.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan. You will pay a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan, with no coinsurance for any ambulance services. Ground and Air Ambulance Services have a copay of $290.00. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Urgently Needed Services and Worldwide Emergency Services, are covered. Emergency Services have a $125 copay, while Urgently Needed Services have a copay between $0 and $55. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have no copay.
Primary Care See details
The AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy with a copay between $0 and $45, physician specialist services with a copay between $0 and $55, mental health specialty services, podiatry services with a $45 copay, other health care professional services with a copay between $0 and $55, psychiatric services, physical therapy and speech-language pathology services with a copay between $0 and $45, additional telehealth benefits with no copay, and opioid treatment program services with no copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive services are covered, including an annual physical exam with no copay. Additional preventive services, including fitness benefits, remote access technologies, and home and bathroom safety devices and modifications are covered with a $0 copay. Other services like health education, in-home safety assessments, and counseling services are not covered.
Hearing Services See details
Hearing Services includes coverage for hearing exams with no copay, routine hearing exams with no copay, and OTC hearing aids with a copay between $99 and $829. Prescription hearing aids are partially covered, with no coverage for inner ear, outer ear, or over the ear prescriptions. Fitting/evaluation for hearing aids are not covered.
Vision Services See details
Vision services include eye exams, eyewear, and contact lenses. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear has no copay, with a combined maximum benefit of $300 every two years, but eyeglasses (lenses and frames) and upgrades are not covered. Contact lenses have no copay and are unlimited.
Dental Services See details
The AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan covers dental services including oral exams, dental x-rays, other diagnostic services, cleaning, fluoride treatments, and other preventive services with no copay. Medicare dental services have a 20% coinsurance, and restorative, endodontics, periodontics, and oral surgery services have no copay. Prosthodontics (removable and fixed) have a 0%-50% coinsurance. The plan does not cover implant services or orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, with prior authorization required. For Medicare Part B Insulin Drugs, there is a $35 copay and the coinsurance is between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance is between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan, but require prior authorization. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and Prosthetics/Medical Supplies with 20% coinsurance, but Durable Medical Equipment for use outside the home is not covered. Diabetic Equipment is also covered, with details about the cost sharing.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services with a $50 copay for diagnostic procedures/tests, and lab services with no copay. Diagnostic Radiological Services have a copay of at most $225, Therapeutic Radiological Services have a coinsurance of at least 20%, and Outpatient X-Ray Services have a $25 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover any specific services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan, but require prior authorization. You will have no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
Other Services for the AARP Medicare Advantage Patriot No Rx ID-MA01 (HMO-POS) plan includes Over-the-Counter (OTC) Items and Meal Benefit coverage. OTC Items have no copay, and the Meal Benefit has no copay and requires prior authorization. However, acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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