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AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx WI-MA02 (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 Patriot No Rx WI-MA02 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx WI-MA02 (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 Patriot No Rx WI-MA02 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx WI-MA02 (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 Patriot No Rx WI-MA02 (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. Additionally, this plan comes with a Part B Premium reduction of $65.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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 Patriot No Rx WI-MA02 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a daily copay of $550 for the first four days and no copay thereafter, with no coinsurance required. Outpatient services, emergency care, and specialist visits are also covered, featuring predictable copays and no coinsurance for most standard medical appointments. This plan includes valuable extra benefits, such as routine vision and hearing exams with no copay, alongside dental coverage that offers a $1,500 annual maximum with no copay for preventive care. Prescription hearing aids and eyewear are covered with specific copay ranges, while durable medical equipment and dialysis services generally require a 20% coinsurance. Additionally, members benefit from select over-the-counter items and chronic illness meal benefits with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) partially covers inpatient hospital services with no coinsurance and a daily copay of $550 for days 1 through 4, and no copay for days 5 and beyond. Room upgrades, non-Medicare-covered stays, and additional psychiatric days past 90 days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $550 (including a $550 daily copay for observation services), while outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
The AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance per trip, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance, while chiropractic services are not covered. Other services, including specialist visits, physical therapy, mental health, and podiatry, are covered with copays ranging from $0 to $55 and no coinsurance.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physicals, fitness benefits, and select screenings. However, several sub-services are not covered, including 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/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS), offering routine hearing exams with no copay and no coinsurance, while fitting and evaluation services are not covered. Prescription hearing aids are covered with no coinsurance and copays between $199.00 and $1,249.00, though inner ear, outer ear, and over the ear models are not covered, while OTC hearing aids are covered with no coinsurance and copays from $199.00 to $829.00.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) plan, which features no deductible, no coinsurance, and no copay for one routine yearly eye exam, though other eye exam services are not covered. Covered eyewear features no coinsurance, no copay for contact lenses and frames, and a $0 to $153 copay for lenses up to a $200 limit every two years, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) plan, offering a $1,500 annual maximum with no copay and no coinsurance for preventive care. Medicare-covered services require a 20% coinsurance and no copay, while covered comprehensive services require a 50% coinsurance and no copay; implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) covers home infusion bundled services with no copay, although prior authorization is required. Covered Medicare Part B drugs, including chemotherapy, radiation, and other drugs, have no coinsurance to 20% coinsurance, while insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS), with durable medical equipment, prosthetics, and medical supplies requiring no copay and a 20% coinsurance. Diabetic supplies from specified manufacturers have 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
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) covers diagnostic and radiological services, with prior authorization required. Members pay a $50 copay with no coinsurance for diagnostic tests, a $30 copay for outpatient X-rays, a 20% coinsurance for therapeutic radiology, and no copay for lab services and diagnostic radiology.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) with no coinsurance and require prior authorization, though only some services are covered in practice. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation (which has a $15 copay), and supervised exercise therapy for symptomatic peripheral artery disease services (which has a $15 copay) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS) with no coinsurance and do not require a prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and no coverage for additional days beyond the Medicare-covered limit.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Patriot No Rx WI-MA02 (HMO-POS), which provides 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 to receive the meal benefit.
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