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AARP Medicare Advantage Patriot No Rx NC-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 NC-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 NC-MA02 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx NC-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 North Carolina. 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 NC-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 NC-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 NC-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 $155.00. 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 combined Maximum Out-Of-Pocket cost of $7900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $7900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan offers robust coverage with no copays for primary care visits, telehealth, and many preventive services. For specialized medical needs, members pay a copay of $0 to $55 for specialist visits and a $115 copay for emergency room visits, which is waived upon hospital admission. Inpatient hospital stays require a $475 daily copay for the first few days, after which there is no copay for additional covered days. Routine dental, vision, and hearing exams are highly accessible with no copays, though prescription hearing aids require copays ranging from $199 to $1,249. Diagnostic lab services, home health care, and fitness programs are also covered with no copays or coinsurance. For medical equipment and dialysis, members can expect a 20% coinsurance with no copays, helping keep out-of-pocket costs predictable.
Inpatient Hospital See details
Inpatient Hospital services are partially covered by the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan with no coinsurance, though prior authorization is required. Acute stays require a $475 daily copay for days 1-5 and no copay for days 6 and beyond, while psychiatric stays require a $475 daily 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 Patriot No Rx NC-MA02 (HMO-POS) covers outpatient services with no coinsurance, offering outpatient hospital services with copays ranging from $0 to $475 and observation services at a $475 daily copay. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services carry a copay of $0 to $25 for individual sessions and $15 for group sessions.
Partial Hospitalization See details
The AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered by this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) covers emergency services with a $115 copay and no coinsurance, and this copay is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay ranging from $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist, therapy, and mental health services feature copays ranging from $0 to $55 and no coinsurance. Chiropractic services are also included, where some services are covered but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered under the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan, featuring no copay and no coinsurance for covered benefits like annual physicals, fitness programs, and kidney disease education. However, several services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, additional smoking cessation, disease management, telemonitoring, remote access, home modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan, featuring no deductible and no coinsurance for all covered services. Routine exams are available with no copay, while prescription hearing aids require a $199 to $1,249 copay and OTC hearing aids require a $199 to $829 copay (limit of two per year), though fitting evaluations and specific prescription aid types are not covered.
Vision Services See details
Vision services are partially covered under the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan with no coinsurance, featuring no copay for annual routine eye exams and contact lenses, alongside a $150 eyewear allowance every two years. Eyeglass frames have no copay and lenses have a $0 to $153 copay, but other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) partially covers dental services, offering preventive care like exams, cleanings, and X-rays with no copay and no coinsurance, and Medicare-covered dental services with no copay and a 20% coinsurance. Comprehensive services—including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, adjunctive general services, maxillofacial prosthetics, and orthodontics—are not covered.
Home Infusion bundled Services See details
The AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs require up to 20% coinsurance, while Part B insulin is covered with a $35 copay and up to 20% coinsurance.
Dialysis Services See details
The AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan, with durable medical equipment and prosthetics requiring no copay and a 20% coinsurance. Diabetic supplies feature no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan, with prior authorization required for these services. Diagnostic tests require a $50 copay with no coinsurance, lab services and diagnostic radiology have no copay, outpatient X-rays cost a $30 copay, and therapeutic radiology requires a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required for these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan. Although the category is technically listed, none of the individual sub-services are covered in practice, including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered under the AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) plan, which features a meal benefit for chronic illness with no copay and no coinsurance, subject to prior authorization. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered.
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