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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 $6700.00 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 IA-0001 (HMO-POS) plan has an "Enhanced Alternative" drug benefit. The plan has a $420 deductible. During the initial coverage phase, you will pay a copay for your prescriptions. For standard generic drugs, the copay is $10, and for standard generic drugs, the copay is $47. For preferred brand drugs, the copay is $100, and for non-preferred drugs, you pay 28% coinsurance. After your yearly out-of-pocket drug costs reach $2000, you will enter the catastrophic coverage phase, and pay nothing for your prescriptions.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan offers comprehensive coverage with a variety of benefits. This plan includes no copay for primary care visits, preventive services, routine eye exams, eyewear, contact lenses, oral exams, dental x-rays, and many other services. The plan has copays for inpatient hospital stays, outpatient services, and other services, with cost-sharing for services like ambulance, vision, dental, and medical equipment.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a $415 copay for days 1-5 and no copay for days 6-90 for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. Additional days for Inpatient Hospital-Acute have no copay, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute are not covered, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $415, observation services with a $415 copay, ambulatory surgical center services with no copay, individual outpatient substance abuse sessions with a copay between $0 and $5, group outpatient substance abuse sessions with a $5 copay, and outpatient blood services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan, but requires prior authorization. The copay for this benefit is $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan. The plan covers ground and air ambulance services, each with a $290 copay and no coinsurance. Transportation services to health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan. Emergency Services have a $125 copay, while Urgently Needed Services have a copay between $0 and $55; both have no coinsurance. Worldwide Emergency Services, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
The AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan covers primary care physician services with no copay. Chiropractic services have a $20 copay, but routine care is not covered. Occupational therapy services have a copay between $0 and $40, while physician specialist services have a copay between $0 and $40. Mental health specialty services, including individual and group sessions, have a copay of $0-$5 and $5, respectively. Podiatry services, including routine foot care, have a $30 copay. Other health care professional services have a copay between $0 and $40, and psychiatric services, including individual and group sessions, have a copay of $0-$5 and $5, respectively. Physical therapy and speech-language pathology services have a copay between $0 and $45, and additional telehealth benefits have no copay. Opioid treatment program services have no copay.
Preventive Services See details
The AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan covers preventive services, including Medicare-covered preventive services, and annual physical exams with no copay. Additional preventive services such as health education, in-home safety assessments, and other services are not covered. Kidney disease education services, glaucoma screening, and diabetes self-management training are covered with no copay.
Hearing Services See details
Hearing exams are covered with no copay, including routine hearing exams once per year. Prescription hearing aids are covered with a copay between $199 and $1249 for all types of prescription hearing aids, up to two per year. OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
Vision Services include routine eye exams with no copay, eyewear with no copay, and contact lenses with no copay. Eyeglass lenses may have a copay between $0 and $153, and eyeglass frames have no copay, while eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services are covered, with a 20% coinsurance for Medicare Dental Services. Oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatments, and other preventive dental services have no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. For Medicare Part B Insulin Drugs, you will pay a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, you will pay a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan, with a coinsurance between 20% and 20%. Prior authorization is required for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance, Prosthetic Devices with 20% coinsurance, Medical Supplies with 20% coinsurance, Diabetic Supplies with no copay, and Diabetic Therapeutic Shoes/Inserts with 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
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 coverage for Diagnostic Radiological Services with a copay up to $250, Therapeutic Radiological Services with 20% coinsurance, and Outpatient X-Ray Services with a $25 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan 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 by the AARP Medicare Advantage from UHC IA-0001 (HMO-POS) plan, but the specific services of Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD Services are not covered. Prior authorization is required, and there is a copay for covered services, but the specific amount is not listed.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, there is a $203 copay. Additional days beyond Medicare-covered for SNF, and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The "Other Services" benefit for AARP Medicare Advantage from UHC IA-0001 (HMO-POS) covers meal benefits with no copay, but the plan does not cover acupuncture, over-the-counter items, 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.
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