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AARP Medicare Advantage from UHC NM-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 NM-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 NM-0009 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Bernalillo, Sandoval, and Valencia Counties. 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 NM-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 NM-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 NM-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 $600.00 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 $5900.00 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 NM-0009 (HMO-POS) plan has an annual prescription drug deductible of $600. Tier 1 preferred generic drugs offer savings with no copay for 1-month or 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs cost an $8 copay for a 1-month standard pharmacy supply, while a 3-month supply has no copay when ordered through preferred mail order. Brand-name and specialty medications are subject to coinsurance rather than flat copays under this plan. Tier 3 preferred brand drugs require a 17% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 31% coinsurance, and Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC NM-0009 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, preventive services, and routine home health care. For specialist visits, copays are up to $40, while inpatient hospital stays require a $550 copay for the first few days and no copay thereafter. Emergency room visits carry a $130 copay, which is waived if you are admitted, and urgent care services feature a copay of up to $50. This plan also includes key supplemental benefits, such as routine vision and hearing exams with no copay, alongside a $1,000 annual limit for dental care that features no copay for preventive services. Prescription hearing aids and eyewear are available with varying copays and no coinsurance, while durable medical equipment and dialysis services require a 20% coinsurance. Additionally, members can access over-the-counter items with no copay and no coinsurance, helping to keep everyday health costs low.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $550 copay for days 1-5 of acute stays (no copay for days 6 and beyond) and a $550 copay for days 1-4 of psychiatric stays (no copay for days 5-90). This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) covers outpatient services with no coinsurance, though prior authorization is required for these benefits. Ambulatory surgical and blood services feature no copay, while outpatient hospital services have a copay of up to $550 and outpatient substance abuse services require a copay of up to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent care, and emergency transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) covers primary care, telehealth, and opioid treatment services with no copay and no coinsurance, while chiropractic services are not covered. Other covered services feature no coinsurance, with copays ranging from $0 to $40 for specialists, $0 to $25 for mental health sessions, and $35 to $40 for physical, occupational, and podiatry therapies.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC NM-0009 (HMO-POS) with no copay and no coinsurance, including annual physical exams, fitness benefits, and kidney disease education. This benefit is partially covered, as several supplemental services like health education, weight management programs, and in-home safety assessments are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) partially covers hearing services, providing one routine hearing exam per year with no copay and no coinsurance. Prescription hearing aids feature no coinsurance with copays ranging from $199.00 to $1,249.00, while OTC hearing aids have no coinsurance with copays from $199.00 to $829.00. Hearing aid fitting and evaluation, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) provides partially covered vision services with no deductible and no coinsurance, including one routine eye exam annually with no copay. Eyewear benefits feature a $150 combined maximum every two years with no copay for contact lenses or frames and a $0 to $153 copay for lenses, while 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 from UHC NM-0009 (HMO-POS), as implant services and orthodontics are not covered. Preventive and diagnostic services feature no copay and no coinsurance up to a $1,000 annual limit, while Medicare-covered services require a 20% coinsurance and covered comprehensive services require a 50% coinsurance, both with no copays.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC NM-0009 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while covered insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
The AARP Medicare Advantage from UHC NM-0009 (HMO-POS) plan covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC NM-0009 (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.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NM-0009 (HMO-POS) with prior authorization required. Lab services and diagnostic radiology feature no copay and no coinsurance, while diagnostic procedures require a $50 copay, outpatient X-rays require a $30 copay, and therapeutic radiology requires a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC NM-0009 (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 the AARP Medicare Advantage from UHC NM-0009 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. Although some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC NM-0009 (HMO-POS) with no coinsurance, though prior authorization is required. There is no copay for days 1 through 20 and a $218 copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NM-0009 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and other additional services are not covered under this plan.
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