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AARP Medicare Advantage from UHC NM-0010 (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-0010 (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-0010 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Santa Fe County. 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-0010 (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-0010 (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-0010 (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-0010 (HMO-POS) plan features an annual prescription drug deductible of $600. Under this plan, Tier 1 preferred generic drugs have no copay for standard pharmacy and mail order fills. Tier 2 generic drugs require a $10 copay for a 1-month supply at standard pharmacies, but you can secure a 3-month supply with no copay through preferred mail order. Higher-tier medications are subject to coinsurance, starting with Tier 3 preferred brand drugs which require a 16% coinsurance for standard pharmacy and mail order fills. Tier 4 non-preferred drugs carry a 32% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 26% coinsurance across standard pharmacy and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC NM-0010 (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care, telehealth, and preventive services. For inpatient hospital stays, members pay a $550 daily copay for the first five days of acute stays and no copay for the remaining covered days, with no coinsurance required. Emergency room visits carry a $130 copay, which is waived upon admission, while outpatient hospital services range from no copay up to a $550 copay. This plan also includes valuable supplemental benefits, such as routine vision and hearing exams with no copay, alongside dental care featuring no copay for preventive services up to a $1,000 annual limit. Prescription and over-the-counter hearing aids are covered with varying copays and no coinsurance, while durable medical equipment and dialysis services generally require a 20% coinsurance with no copay. Skilled nursing facility care is also covered, offering no copay for the first 20 days followed by a $218 daily copay up to day 100.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) covers inpatient hospital services with no coinsurance, featuring a $550 daily copay for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, with no copay for remaining covered days. While unlimited additional acute days are covered at no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC NM-0010 (HMO-POS) with no coinsurance, featuring ambulatory surgical center and outpatient blood services with no copay. Outpatient hospital services have a copay of $0 to $550, observation services require a $550 daily copay, and outpatient substance abuse sessions range from a $0 to $25 copay with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. For transportation benefits, some services are covered, but transportation to plan-approved locations and any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC NM-0010 (HMO-POS) with a $130 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services require a $0 to $50 copay and 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 NM-0010 (HMO-POS) with no copay and no coinsurance, while specialist visits carry a $0 to $50 copay and no coinsurance. Therapy services require a $50 copay with no coinsurance, mental health individual sessions have a $0 to $25 copay with no coinsurance, and chiropractic services are not covered in practice.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC NM-0010 (HMO-POS) with no copay and no coinsurance, including annual physicals, kidney disease education, glaucoma screenings, diabetes training, fitness benefits, and home safety devices. Additional preventive benefits are partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage from UHC NM-0010 (HMO-POS) plan, offering one routine exam per year with no copay and no coinsurance, while fitting and evaluation exams are not covered. Prescription and OTC hearing aids (up to two per year) require no coinsurance with copays ranging from $199 to $1,249 and $199 to $829 respectively, though inner, outer, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are covered by AARP Medicare Advantage from UHC NM-0010 (HMO-POS) with no coinsurance and no copay for one annual routine eye exam, though other eye exams are not covered. For eyewear, there is no coinsurance and a $150 limit every two years, covering contact lenses and frames with no copay and lenses with a $0 to $153 copay, while upgrades and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) offers partially covered dental services, featuring preventive care with no copay and no coinsurance up to a $1,000 annual maximum. Medicare-covered dental services require a 20% coinsurance and no copay, while covered comprehensive services require a 50% coinsurance and no copay, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC NM-0010 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy and other drugs have no copay and between no coinsurance and 20% coinsurance, while Part B insulin is covered with a $35 copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
The AARP Medicare Advantage from UHC NM-0010 (HMO-POS) plan covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NM-0010 (HMO-POS) with no coinsurance and a $45 copay for diagnostic tests, while lab services have no copay. Outpatient X-rays require a $30 copay, therapeutic radiological services carry a minimum 20% coinsurance, and diagnostic radiological services have no minimum copay.
Home Health Services See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) provides coverage for Cardiac Rehabilitation Services with no copay, no coinsurance, and prior authorization required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare benefit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NM-0010 (HMO-POS) provides partial coverage for other services, which includes over-the-counter (OTC) items with no copay and no coinsurance. However, acupuncture, meal benefits, and dual-eligible SNP services are not covered under this plan.
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