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AARP Medicare Advantage from UHC ID-0008 (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-0008 (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-0008 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ID-0008 (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-0008 (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-0008 (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-0008 (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:
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Drug Coverage
The AARP Medicare Advantage from UHC ID-0008 (HMO-POS) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, members enjoy no copay for both 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs are also very affordable, with a $10 copay for a 1-month supply at standard pharmacies and no copay for a 3-month supply filled via preferred mail order. For higher-tier 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 38% coinsurance. Specialty medications in Tier 5 require a 27% coinsurance for a 1-month supply, helping you understand your potential out-of-pocket expenses for advanced treatments.
Additional Benefits
The AARP Medicare Advantage from UHC ID-0008 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth, and annual preventive screenings. Specialist visits require up to a $55 copay, while inpatient hospital stays require a $550 daily copay for the first few days with no coinsurance. Emergency care is available with a $130 copay, which is waived upon admission, and outpatient services generally feature low copays and no coinsurance. This plan also covers essential supplemental services, including routine vision, hearing, and preventive dental exams with no copay, though comprehensive dental services are not covered. Skilled nursing facility care features no copay for the first 20 days, and home health services are provided with no copay and no coinsurance. For medical equipment and dialysis, members can expect a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $550 daily copay for days 1 to 5 of acute stays (no copay for days 6 and beyond) and a $550 daily copay for days 1 to 4 of psychiatric stays (no copay for days 5 to 90). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) covers outpatient services with no coinsurance, including outpatient hospital services with copays from $0 to $550 and observation services at a $550 daily copay. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays ranging up to $25 per session.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services under the AARP Medicare Advantage from UHC ID-0008 (HMO-POS) are covered with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from no copay to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care and telehealth services are covered by AARP Medicare Advantage from UHC ID-0008 (HMO-POS) with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Physical, occupational, speech, and podiatry services require copays ranging from $40 to $45 with no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) partially covers preventive services with no copay and no coinsurance, including annual physical exams, fitness benefits, and home safety devices. Uncovered services under this benefit include health education, personal emergency response systems, alternative therapies, and nutritional or dietary training.
Hearing Services See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) partially covers hearing services, providing one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered up to two devices per year with no coinsurance and copays ranging from $199.00 to $1,249.00 for prescription aids and $199.00 to $829.00 for OTC aids, while inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC ID-0008 (HMO-POS) with no coinsurance, offering no copay for annual routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay for eyeglass lenses up to a $300 combined limit every two years. Other eye exam services, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC ID-0008 (HMO-POS), featuring preventive care such as cleanings, exams, and x-rays with no copay and no coinsurance, and Medicare-covered dental services with no copay and a 20% coinsurance. However, comprehensive services including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC ID-0008 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, require a coinsurance ranging from no coinsurance to 20%, with insulin also having a $35 copay.
Dialysis Services See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance, although prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC ID-0008 (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 needed for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) covers diagnostic and radiological services, which require prior authorization. Diagnostic services feature no coinsurance, with no copay for lab services and a $50 copay for diagnostic procedures. Radiological services include no copay for diagnostic radiology, a $30 copay and coinsurance for X-rays, and a 20% coinsurance plus a copay for therapeutic radiology.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage from UHC ID-0008 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) indicates some services are covered with no copay and no coinsurance under prior authorization, but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) covers Skilled Nursing Facility (SNF) care with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, though a three-day prior inpatient hospital stay is not required, and additional days beyond the standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC ID-0008 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Acupuncture is not covered under this benefit, and prior authorization is required for the meal benefit.
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