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AARP Medicare Advantage from UHC IA-0001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IA-0001 (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 IA-0001 (HMO-POS) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC IA-0001 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Iowa and Illinois. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage from UHC IA-0001 (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 IA-0001 (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 IA-0001 (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 $420.00 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 $3900.00 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:
Sign up for AARP Medicare Advantage from UHC IA-0001 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan has a $420 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For generic drugs at a standard pharmacy, the copay is $10.00 or $47.00. For preferred brand drugs, the copay is $100.00, regardless of the pharmacy. Non-preferred drugs have 28% coinsurance. After your yearly out-of-pocket drug costs reach $2000.00, you pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan offers a range of benefits, including inpatient hospital stays with a copay, outpatient services, and partial hospitalization with a copay. Emergency, primary care, and preventive services are covered, with some services having no copay. This plan also includes coverage for hearing, vision, and dental services, with varying copays and coinsurance. Additional benefits include ambulance services, home health, home infusion, and skilled nursing facility care.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered with a $405 copay for days 1-5 and no copay for days 6-90 for acute care, and a $405 copay for days 1-4 and no copay for days 5-90 for psychiatric care. Additional days for acute care are covered with no copay. Non-Medicare-covered stays and upgrades for acute care, and additional days and non-Medicare-covered stays for psychiatric care, are not covered.
Outpatient Services See details
Outpatient Services include outpatient hospital services with a copay between $0 and $405, observation services with a $405 copay, and ambulatory surgical center services with no copay. Outpatient substance abuse services include individual sessions with a copay between $0 and $5, and group sessions with a $5 copay. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan, with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC IA-0001 (HMO-POS). Ground and Air Ambulance Services have a $290 copay, and no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered, including emergency services, urgently needed services, and worldwide emergency services. Emergency services have a $140 copay, while urgently needed services have a copay between $0 and $65, and worldwide emergency services have no copay.
Primary Care See details
Primary Care services include no copay for Primary Care Physician Services, a $20 copay for Chiropractic Services, and no copay for Additional Telehealth Benefits. Occupational Therapy Services have a copay between $0 and $40, while Physician Specialist Services and Physical Therapy and Speech-Language Pathology Services have a copay between $0 and $40. Mental Health and Psychiatric services have a copay between $0 and $5 for individual sessions and a $5 copay for group sessions, and a $40 copay for podiatry services. Opioid Treatment Program Services have no copay.
Preventive Services See details
Preventive Services include coverage for Medicare-covered services with no copay, as well as an annual physical exam with no copay. Additional preventive services are covered, including Fitness Benefit and Home and Bathroom Safety Devices and Modifications. However, Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, and Counseling Services are not covered.
Hearing Services See details
Hearing services include routine hearing exams with no copay, and prescription hearing aids with a copay between $199 and $1249. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
Vision services include eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered annually. Eyewear has no copay, and includes coverage for contact lenses and eyeglass lenses, and eyeglass frames, with a combined maximum benefit of $300 every two years; however, eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are covered, including Medicare Dental Services with 20% coinsurance, and other dental services with a $1,000 annual maximum. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventive dental services are covered with no copay. Restorative services, endodontics, periodontics, maxillofacial prosthetics, oral and maxillofacial surgery are covered with no copay, while prosthodontics (removable and fixed) have coinsurance between 0% and 50%. Implant and orthodontic services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, requiring prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan, with a coinsurance of 20%. Prior authorization is required.
Medical Equipment See details
Medical equipment includes durable medical equipment (DME), prosthetics/medical supplies, and diabetic equipment. DME has a 20% coinsurance, and no copay. Prosthetic devices and medical supplies have a 20% coinsurance, and no copay. Diabetic supplies have no copay, and diabetic therapeutic shoes/inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests with a $50 copay, and lab services with no copay. Radiological services include diagnostic radiological services with a copay of at most $250, therapeutic radiological services with a coinsurance of at least 20%, and outpatient X-Ray services with a $25 copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC IA-0001 (HMO-POS) with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan. There is no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
Other Services include Over-the-Counter (OTC) Items and Meal Benefit, with OTC items covered at no copay, and a meal benefit with no copay that requires prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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