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AARP Medicare Advantage from UHC WI-0014 (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-0014 (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-0014 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC WI-0014 (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-0014 (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-0014 (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-0014 (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 $5400.00 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-0014 (HMO-POS) plan features an annual drug deductible of $520. For prescription savings, Tier 1 preferred generic drugs have no copay for both 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs cost a $14 copay for a 1-month supply at standard pharmacies, but you can receive a 3-month supply with no copay when using preferred mail order. Higher tier prescription drugs under this plan are covered under coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance for both 1-month and 3-month fills at standard pharmacies and mail order. Non-preferred drugs in Tier 4 carry a 38% coinsurance, while Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC WI-0014 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth services, and routine preventive care. Specialist visits and outpatient services are highly accessible, featuring copays ranging from no copay up to $50 for specialists, and no coinsurance across outpatient care. For emergency situations, there is a $130 copay for emergency room visits, which is waived upon hospital admission, and no copay for worldwide emergency services. This plan also includes key supplemental benefits to help manage your everyday health, featuring no copay for annual routine vision and hearing exams, alongside a $150 eyewear allowance every two years. Preventive dental care and home health services are covered with no copay or coinsurance, while Medicare-covered dental, dialysis, and durable medical equipment require a 20% coinsurance. Additionally, skilled nursing facility stays require no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
AARP Medicare Advantage from UHC WI-0014 (HMO-POS) partially covers inpatient hospital services with no coinsurance, although prior authorization is required. For acute stays, there is a $495 copay for days 1-5 and no copay for days 6 and beyond, while psychiatric stays require a $495 copay for days 1-4 and no copay for days 5-90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC WI-0014 (HMO-POS) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services have a copay of $0 to $495, while outpatient substance abuse services carry copays up to $25 per session with no coinsurance.
Partial Hospitalization See details
Partial hospitalization services are covered by the AARP Medicare Advantage from UHC WI-0014 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance services under the AARP Medicare Advantage from UHC WI-0014 (HMO-POS) plan are covered with a $275 copay and no coinsurance for both ground and air transport, though prior authorization is required. Routine transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC WI-0014 (HMO-POS) 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 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
Primary care services under the AARP Medicare Advantage from UHC WI-0014 (HMO-POS) plan are covered with no copay and no coinsurance, and telehealth benefits are also available at no cost. Specialist visits, mental health services, and physical therapy require no coinsurance with copays ranging from $0 to $50, though routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC WI-0014 (HMO-POS) with no copay and no coinsurance for covered options like annual physical exams, fitness benefits, and home safety devices. Sub-services that are not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, and counseling services.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC WI-0014 (HMO-POS), which offers annual routine hearing exams with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered with no coinsurance and copays ranging from $199.00 to $1,249.00 and $199.00 to $829.00 respectively, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC WI-0014 (HMO-POS) with no deductibles or coinsurance, featuring no copay for annual routine eye exams. Eyewear is covered up to $150 every two years with no copay for contact lenses and frames, and a $0 to $153 copay for lenses, though other eye exam services, 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 WI-0014 (HMO-POS), featuring Medicare-covered dental with no copay and a 20% coinsurance, and preventive services with no copay or coinsurance. However, restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC WI-0014 (HMO-POS) with no copay, although prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Medicare Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC WI-0014 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical Equipment benefits under AARP Medicare Advantage from UHC WI-0014 (HMO-POS) are covered with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, though manufacturer limitations apply, and prior authorization is required for most equipment.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC WI-0014 (HMO-POS), requiring prior authorization. Diagnostic tests have a $45 copay and lab services have no copay (both with no coinsurance), while radiological services range from no copay for diagnostic imaging to a $30 copay plus coinsurance for X-rays and a minimum 20% coinsurance plus copay for therapeutic radiation.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC WI-0014 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered with no copay and no coinsurance under the AARP Medicare Advantage from UHC WI-0014 (HMO-POS) plan, but in practice, the benefit is not covered because 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-0014 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, a $218 copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC WI-0014 (HMO-POS), including over-the-counter items and chronic illness meal benefits with no copay and no coinsurance. However, acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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