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AARP Medicare Advantage from UHC ID-0009 (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-0009 (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-0009 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ID-0009 (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-0009 (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-0009 (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-0009 (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 from UHC ID-0009 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage from UHC ID-0009 (HMO-POS) plan has an annual prescription drug deductible of $520. Under this plan, Tier 1 preferred generic drugs have no copay for standard pharmacies or three-month mail orders. Tier 2 generic medications require an $8 copay for a one-month standard pharmacy supply, but members enjoy no copay for a three-month supply through preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance for standard pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 41% coinsurance, while Tier 5 specialty drugs require a 27% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC ID-0009 (HMO-POS) plan offers medical coverage with no copay for primary care visits, annual physicals, and home health services. For specialist visits, copays range from no copay to $55, while inpatient hospital stays require a $550 daily copay for the first few days and no copay thereafter. Emergency care is available with a $130 copay, which is waived if you are admitted, and urgent care copays range from no copay to $50. This plan also includes supplemental benefits, featuring no copay for routine dental, vision, and hearing exams. Covered eyewear is eligible for up to $300 every two years with no copay, while hearing aids require copays ranging from $199.00 to $1,249.00. Additionally, durable medical equipment, dialysis, and Medicare-covered dental services generally require a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $550 daily copay for days 1 to 5 (acute) or days 1 to 4 (psychiatric), and no copay for subsequent days. Prior authorization is required, and services such as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers outpatient services with no coinsurance, though prior authorization is required for most care. Ambulatory surgical center and outpatient blood services feature no copay, while outpatient hospital copays range from no copay to $550 (with a $550 daily copay for observation). Outpatient substance abuse services require no coinsurance, with copays of $15 for group sessions and up to $25 for individual sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Although some transportation services are covered, transportation to plan-approved or other health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay 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 copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers primary care physician visits, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits, physical and occupational therapy, and mental health services are covered with copays ranging from $0 to $55 and no coinsurance, while routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC ID-0009 (HMO-POS) with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, and fitness benefits. Sub-services that are not covered include health education, in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation, disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC ID-0009 (HMO-POS), offering one annual routine hearing exam with no copay, no coinsurance, and no deductible, 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, but 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-0009 (HMO-POS), featuring no copay and no coinsurance for one routine eye exam yearly, while other eye exam services are not covered. Covered eyewear has a $300 maximum limit every two years with no coinsurance, offering contact lenses and frames with no copay and eyeglass lenses with a $0 to $153 copay, though upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC ID-0009 (HMO-POS), featuring Medicare-covered dental with no copay and 20% coinsurance, and preventive care with no copay and no coinsurance. Specialized treatments such as restorative, endodontic, periodontic, prosthodontic, orthodontic, implant, and oral surgery services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Part B drugs, including chemotherapy, radiation, and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC ID-0009 (HMO-POS) plan with no copay and a 20% coinsurance, requiring prior authorization.
Medical Equipment See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance, with prior authorization required. Diabetic supplies from specified manufacturers are covered with no copay and 20% coinsurance, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC ID-0009 (HMO-POS) covers diagnostic and radiological services with prior authorization, offering lab services and diagnostic radiology with no copay or coinsurance. Diagnostic procedures require a $60 copay with no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiology services carry a 20% coinsurance.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC ID-0009 (HMO-POS) with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC ID-0009 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, 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-0009 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and does not require a prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC ID-0009 (HMO-POS), featuring over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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