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AARP Medicare Advantage from UHC KY-0002 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC KY-0002 (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 KY-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC KY-0002 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Kentucky. 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 KY-0002 (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 KY-0002 (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 KY-0002 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $45.00. 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 KY-0002 (HMO-POS) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies, or for a 3-month supply through mail order. Tier 2 generic drugs carry an $8 copay for a 1-month supply at standard pharmacies, though you can receive a 3-month supply with no copay through preferred mail order. Tier 3 preferred brand drugs require a 17% coinsurance for both 1-month and 3-month fills across standard pharmacies and mail order options. Tier 4 non-preferred drugs and Tier 5 specialty drugs incur coinsurance rates of 43% and 27% respectively for a 1-month supply at standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage from UHC KY-0002 (HMO-POS) plan offers robust coverage with no copay and no coinsurance for primary care visits, telehealth, annual physicals, and home health services. Routine vision, dental, and hearing exams are also available with no copay, alongside comprehensive dental benefits up to a $3,500 annual limit. Specialist visits and diagnostic lab services are highly accessible, featuring low copays ranging from $0 to $40 with no coinsurance. For major medical needs, inpatient hospital stays require a $455 daily copay for the first several days with no copay thereafter, while emergency room visits carry a $130 copay. Many outpatient services are covered with no coinsurance, although certain specialized treatments like dialysis and durable medical equipment require a 20% coinsurance. Additionally, skilled nursing facility stays offer no copay for the first 20 days, and over-the-counter items are fully covered with no copay.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS) with no coinsurance, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Covered acute stays require a $455 copay for days 1 through 6 (no copay for days 7 and beyond), while psychiatric stays carry a $455 copay for days 1 through 5 (no copay for days 6 through 90).
Outpatient Services See details
AARP Medicare Advantage from UHC KY-0002 (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $455 copay for outpatient hospital services and a $455 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a copay of $0 to $25 with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance services under the AARP Medicare Advantage from UHC KY-0002 (HMO-POS) plan are covered with a $290 copay and no coinsurance for both ground and air transportation, subject to prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC KY-0002 (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 a copay ranging from no copay to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care services are covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS) with no copay and no coinsurance for primary care provider visits and telehealth. Other covered benefits, including specialist visits, physical and occupational therapy, and mental health services, require copays ranging from $0 to $40 with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC KY-0002 (HMO-POS) provides partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, fitness programs, and home safety devices. However, several sub-services are not covered, including health education, in-home safety assessments, PERS, 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, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS), offering annual routine exams with no copay and no coinsurance, while fitting and evaluation exams are not covered. Prescription hearing aids have copays from $199.00 to $1,249.00 and OTC hearing aids have copays from $199.00 to $829.00, both with no coinsurance, though inner, outer, and over the ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS) with no deductible and no coinsurance, offering no copay for annual routine eye exams and a $0 to $153 copay for eyeglass lenses. Contact lenses and frames also have no copay up to a $200 limit every two years, but other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC KY-0002 (HMO-POS) partially covers dental services up to a $3,500 annual limit. Preventive services are available with no copay and no coinsurance, Medicare-covered dental services have no copay and a 20% coinsurance, and covered comprehensive services have no copay and a 50% coinsurance. Implant services and orthodontics are not covered by this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS) with no copay, though prior authorization is required. Under this benefit, Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC KY-0002 (HMO-POS) covers medical equipment, including durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes, with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC KY-0002 (HMO-POS) covers diagnostic and radiological services with prior authorization, featuring lab services with no copay and no coinsurance and diagnostic tests for a $50 copay and no coinsurance. Radiological benefits include diagnostic imaging starting at a $0 copay, outpatient X-rays for a $30 copay with coinsurance, and therapeutic services with a 20% minimum coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC KY-0002 (HMO-POS) offers cardiac rehabilitation services with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific sub-services including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC KY-0002 (HMO-POS) with no coinsurance and do not require a prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and additional days beyond day 100 are not covered.
Other Services See details
AARP Medicare Advantage from UHC KY-0002 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. While prior authorization is required for the meal benefit, acupuncture and other miscellaneous services are not covered.
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