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AARP Medicare Advantage from UHC WI-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 WI-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 WI-0010 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC WI-0010 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Wisconsin. 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 WI-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 WI-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 WI-0010 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $44.00. 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 $440.00 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 $3800.00 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 WI-0010 (HMO-POS) plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs cost a $5 copay for a 1-month supply at standard pharmacies, but you can secure a 3-month supply with no copay when using preferred mail order. Tier 3 preferred brand drugs require a 19% coinsurance for both 1-month and 3-month fills across standard pharmacies and mail order services. For higher-tier medications, Tier 4 non-preferred drugs carry a 42% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 28% coinsurance. These percentage-based costs apply whether you fill your prescriptions at a standard pharmacy or through mail order.
Additional Benefits
The AARP Medicare Advantage from UHC WI-0010 (HMO-POS) plan offers comprehensive medical coverage with no copays or coinsurance for primary care visits, preventive care, and home health services. For hospital stays, members pay a daily copay of $375 for days 1 through 6 of inpatient care, while outpatient hospital services range from no copay to a $375 copay with no coinsurance. Emergency care is accessible with a $150 copay, which is waived if admitted, and urgent care as well as worldwide emergency services are available with low to no copays. This plan features robust routine benefits, including no copay for preventive dental care under a $3,000 annual maximum, a $300 eyewear allowance every two years, and routine hearing exams with no copay. Specialist visits, diagnostic lab tests, and over-the-counter items are also highly affordable, carrying either low copays up to $45 or no copay at all. Additionally, medical necessities like durable medical equipment, diabetic therapeutic shoes, and dialysis services require no copay and a standard 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC WI-0010 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a copay of $375 per day for days 1 through 6 and no copay for days 7 through 90. While unlimited additional acute care days are covered with no copay, this plan does not cover additional psychiatric days, upgrades, or non-Medicare-covered stays.
Outpatient Services See details
AARP Medicare Advantage from UHC WI-0010 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital services carry a copay of $0 to $375 (with a $375 daily copay for observation services), while outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC WI-0010 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage from UHC WI-0010 (HMO-POS) with a $275 copay and no coinsurance for ground and air transport, which require prior authorization. While some transportation services are covered, transportation to plan-approved or health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC WI-0010 (HMO-POS) with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services carry a $0 to $65 copay with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC WI-0010 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialists and therapy services carry copays ranging from $0 to $45 with no coinsurance. Mental health, psychiatric, and podiatry services are also covered with copays up to $45 and no coinsurance, but chiropractic services are not covered in practice because routine and other chiropractic sub-services are excluded.
Preventive Services See details
AARP Medicare Advantage from UHC WI-0010 (HMO-POS) provides partially covered preventive services with no copay and no coinsurance for covered services, which include annual physical exams, kidney disease education, fitness benefits, and glaucoma screenings. However, several supplemental benefits, such as health education, in-home safety assessments, and personal emergency response systems, are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC WI-0010 (HMO-POS), featuring one routine hearing exam per year with no copay and no coinsurance, while fitting and evaluation services are not covered. The plan also covers up to two prescription hearing aids (copays from $199 to $1,249) and OTC hearing aids (copays from $199 to $829) annually with no coinsurance, though 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 WI-0010 (HMO-POS), offering routine eye exams and select eyewear with no deductible, no coinsurance, and no copay for most services. While other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered, the plan provides a $300 combined eyewear allowance every two years for contact lenses and frames with no copay, and eyeglass lenses with copays ranging from $0 to $153.
Dental Services See details
AARP Medicare Advantage from UHC WI-0010 (HMO-POS) offers partially covered dental services with a $3,000 annual maximum, featuring no copay and no coinsurance for preventive care. Medicare-covered dental services require no copay and a 20% coinsurance, while covered comprehensive services require no copay and a 50% coinsurance, 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 WI-0010 (HMO-POS) with no copay, though prior authorization and step therapy may be required. Under this benefit, Part B chemotherapy, radiation, and other drugs range from no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC WI-0010 (HMO-POS) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC WI-0010 (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 required for these services.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under AARP Medicare Advantage from UHC WI-0010 (HMO-POS) with prior authorization, featuring no coinsurance and no copay for lab services, but a $50 copay for diagnostic procedures and tests. Radiological benefits include a $30 copay for outpatient X-rays, a 20% coinsurance for therapeutic services, and diagnostic radiology copays starting at $0.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC WI-0010 (HMO-POS) with no copay and no coinsurance. Prior authorization is required for these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under the AARP Medicare Advantage from UHC WI-0010 (HMO-POS) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC WI-0010 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. You will pay no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC WI-0010 (HMO-POS) partially covers other services, which excludes acupuncture. Covered benefits include over-the-counter (OTC) items and chronic illness meal benefits, both of which are available with no copay and no coinsurance.
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