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AARP Medicare Advantage from UHC AZ-0013 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC AZ-0013 (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 AZ-0013 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Graham, Pima, and Santa Cruz 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 AZ-0013 (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 AZ-0013 (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 AZ-0013 (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 $10100.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10100.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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 $10100.00 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 AZ-0013 (HMO-POS) plan offers an Enhanced Alternative drug benefit with a $440.00 annual prescription drug deductible. During the initial coverage phase, standard pharmacy costs include an $8.00 copay for Tier 1 preferred generic drugs, 17% coinsurance for Tier 2 standard generics, 33% coinsurance for Tier 3 preferred brands, and 28% coinsurance for Tier 4 non-preferred drugs. These cost-sharing rates apply after your deductible is met and until your total drug costs reach $2,100.00. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for Medicare Part D covered drugs. Additionally, if you qualify for the low-income subsidy (LIS or Extra Help), your Part D premium of $44.00 may be reduced to $27.00. Be sure to review the plan's formulary to ensure your specific prescription drugs are covered.
Additional Benefits
The AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) plan offers comprehensive medical coverage, featuring no copays and no coinsurance for primary care visits, preventive care, and home health services. Inpatient hospital stays require a $395 daily copay for the first several days and no copay thereafter, while emergency room visits carry a $130 copay that is waived if you are admitted. Outpatient procedures, laboratory tests, and specialist visits are available with no coinsurance and low-to-moderate copays, though dialysis and medical equipment require a 20% coinsurance. When it comes to everyday wellness, this plan provides no copays and no coinsurance for routine eye exams, preventive dental care, and over-the-counter items. Members can also access routine hearing exams with no copay, though prescription hearing aids require copays ranging from $199 to $1,249. Please note that certain services, including routine transportation, cardiac rehabilitation, and comprehensive dental treatments like root canals or crowns, are not covered under this plan.
Inpatient Hospital See details
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) partially covers inpatient hospital benefits with no coinsurance, requiring a $395 daily copay for days 1 to 7 of acute stays and days 1 to 5 of psychiatric stays, and no copay for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services. Other outpatient services require copays, ranging from $0 to $395 for hospital visits, $395 per day for observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required to access these covered benefits.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) partially covers ambulance and transportation services, offering ground and air ambulance coverage with a $290 copay and no coinsurance. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC AZ-0013 (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 require no copay to a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) covers primary care, telehealth, and opioid treatment services with no copay and no coinsurance. Specialist visits, therapy, and mental health services are covered with copays ranging from $0 to $50 and no coinsurance, though chiropractic benefits are only partially covered since routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) with no copay and no coinsurance for annual physicals, fitness benefits, and home safety modifications. Excluded services include health education, weight management, alternative therapies, therapeutic massage, adult day health, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) with no deductible and no coinsurance. Routine exams have no copay, and covered prescription and OTC hearing aids require copays ranging from $199 to $1,249, though fitting/evaluation exams and inner ear, outer ear, and over-the-ear prescription devices are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC AZ-0013 (HMO-POS), featuring routine eye exams, contact lenses, and eyeglass frames with no copay and no coinsurance. Eyeglass lenses are covered with a copay of $0 to $153 and no coinsurance, up to a combined eyewear limit of $300 every two years, while 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 AZ-0013 (HMO-POS), featuring no copay and no coinsurance for preventive care like cleanings, exams, and x-rays, alongside Medicare-covered dental services at a 20% coinsurance and no copay. However, orthodontic, restorative, adjunctive general, endodontic, periodontic, prosthodontic, maxillofacial prosthetic, implant, and oral surgery services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) subject to prior authorization. Covered Medicare Part B insulin drugs require a $35 copay and range from no coinsurance up to 20% coinsurance, while chemotherapy and other Part B drugs require no copay and range from no coinsurance up to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for most medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC AZ-0013 (HMO-POS), requiring prior authorization. There is no coinsurance for lab services (no copay), diagnostic tests ($40 copay), outpatient x-rays ($30 copay), or diagnostic radiological services (up to $180 copay), while therapeutic radiological services require 20% coinsurance with no copay.
Home Health Services See details
AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) plan. None of the associated sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD), are covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) since additional days beyond the Medicare-covered limit are not covered and prior authorization is required. For covered stays, there is no copay and no coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC AZ-0013 (HMO-POS), which offers Over-the-Counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and Dual Eligible SNPs with Highly Integrated Services are not covered under these benefits.
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