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AARP Medicare Advantage from UHC AZ-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 AZ-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 AZ-0014 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Yavapai 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 AZ-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 AZ-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 AZ-0014 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $59.00. 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 $4500.00 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 AZ-0014 (HMO-POS) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. After meeting this deductible, you enter the initial coverage phase where you share the cost of prescriptions until total drug costs reach $2,100.00. Additionally, if you qualify for Extra Help, your Part D premium can be reduced from $59.00 to $42.00. During the initial coverage phase, standard pharmacy costs include an $8.00 copay for Tier 1 preferred generics, 15% coinsurance for Tier 2 standard generics, 41% coinsurance for Tier 3 preferred brands, and 28% coinsurance for Tier 4 non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100.00, you will enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) offers comprehensive medical coverage with no deductibles and no copay for primary care visits, preventive services, and home health care. For hospital needs, inpatient acute stays require a $455 daily copay for the first six days with no copay thereafter, while outpatient hospital services feature copays ranging from no copay up to $455. Emergency care is accessible with a $130 copay, which is waived upon admission, alongside no copay for worldwide emergency services. This plan also provides robust supplemental benefits, including routine hearing and vision exams with no copay and a $300 eyewear allowance every two years. Preventive dental care features no copay up to a $1,000 annual limit, while comprehensive dental services require a 50% coinsurance. Additionally, members benefit from no copay on diabetic supplies, and a 20% coinsurance for durable medical equipment and dialysis services.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) with no coinsurance, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Covered acute stays require a $455 daily copay for days 1-6 (no copay for days 7-999), while psychiatric stays require a $455 daily copay for days 1-5 (no copay for days 6-90).
Outpatient Services See details
Outpatient Services are covered by AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) with no coinsurance. Under this plan, there is no copay for ambulatory surgical center and blood services, while copays range from $0 to $455 for outpatient hospital services, $455 per day for observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) covers partial hospitalization benefits with a $55 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC AZ-0014 (HMO-POS), featuring a $290 copay and no coinsurance for ground and air ambulance services. Transportation services to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC AZ-0014 (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 feature 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-0014 (HMO-POS) covers primary care physician visits and telehealth services with no copay and no coinsurance. Specialist visits, therapy, and mental health services are covered with copays ranging from $0 to $45 and no coinsurance, while chiropractic services are only partially covered as routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) with no copay or coinsurance for covered benefits like annual physical exams, fitness benefits, and kidney disease education. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) partially covers hearing services, offering one annual routine hearing exam with no copay or coinsurance, while fitting and evaluation exams are not covered. Up to two OTC hearing aids are covered with a $199 to $829 copay, and up to two prescription hearing aids (all types) are covered with a $199 to $1,249 copay—both 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 AZ-0014 (HMO-POS), as combined eyeglasses (lenses and frames) and upgrades are not covered. Covered services, including annual routine eye exams, contact lenses, and eyeglass frames, have no copay and no coinsurance, while eyeglass lenses carry a $0 to $153 copay and no coinsurance. This plan features no deductibles and provides a $300 combined maximum benefit for eyewear every two years.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC AZ-0014 (HMO-POS), though implant services and orthodontics are not covered. Preventive dental care features no copay and no coinsurance up to a $1,000 annual maximum, while Medicare-covered dental services have a 20% coinsurance and no copay, and covered comprehensive services require a 50% coinsurance and no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) covers home infusion bundled services with prior authorization, though Part D home infusion drugs are not covered as a mandatory supplemental benefit. Covered Part B chemotherapy, radiation, and other drugs carry no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) 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 AZ-0014 (HMO-POS) covers medical equipment, offering diabetic supplies with no copay and no coinsurance. Durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts are covered with a 20% coinsurance and no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) with prior authorization. Members pay no copay and no coinsurance for lab services, a $30 copay and no coinsurance for outpatient X-rays, a $50 copay and no coinsurance for diagnostic tests, between a $0 and $190 copay and no coinsurance for diagnostic radiological services, and a 20% coinsurance with no copay for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) requires prior authorization for cardiac rehabilitation, and while some services are covered, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD Services are not covered in practice. Because these sub-services are not covered, there is no copay or coinsurance applicable for them.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) with prior authorization, featuring no copay or coinsurance for days 1 through 20 and a $218 daily copay with no coinsurance for days 21 through 100. The benefit is partially covered because additional days beyond the Medicare-covered limit are not covered, though no prior three-day inpatient hospital stay is required.
Other Services See details
AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) provides partial coverage for Other Services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. However, acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered under this plan.
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