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AARP Medicare Advantage from UHC IA-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 IA-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 IA-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IA-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 Iowa and Illinois. 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 IA-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 IA-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 IA-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 $4900.00 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-0002 (HMO-POS) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, you will enjoy no copay for 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic medications carry a $10 copay for a 1-month standard pharmacy supply, though you can save with no copay for a 3-month supply using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs have a 43% coinsurance for a 1-month supply. Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply through standard pharmacies or mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan offers affordable medical coverage featuring no copay for primary care visits, telehealth services, and annual physical exams. Specialist visits require a copay of up to $40, while inpatient hospital stays require a $425 copay for days one through five and no copay for days six through ninety. Emergency room care has a $130 copay that is waived upon hospital admission, and urgently needed services carry a copay of up to $50. This plan also includes key supplemental benefits, such as routine dental care with no copay up to a $2,000 annual maximum and routine vision exams with no copay. Prescription hearing aids are covered with copays ranging from $199 to $1,249, while contacts and frames are covered up to a $300 allowance every two years. Additionally, home health care and cardiac rehabilitation require no copay, while durable medical equipment carries a 20% coinsurance and no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $425 copay for days 1 to 5 and no copay for days 6 to 90. The benefit is partially covered as non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers outpatient hospital services with no coinsurance and copays ranging from $0 to $425, while ambulatory surgical center and blood services require no copay and no coinsurance. Outpatient substance abuse services are also covered with no coinsurance, carrying a $0 to $25 copay for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with a $275 copay and no coinsurance for both ground and air transportation, though prior authorization is required and the copay is not waived upon hospital admission. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 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 IA-0002 (HMO-POS) offers primary care physician services, telehealth, and opioid treatment with no copay and no coinsurance, while specialist visits cost a $0 to $40 copay and no coinsurance. Occupational, physical, and speech therapies require a $30 copay and no coinsurance, whereas podiatry has a $40 copay and no coinsurance. Some chiropractic services are covered, but routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with no copay and no coinsurance for covered care such as annual physical exams, fitness benefits, and kidney disease education. However, additional preventive benefits are only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional 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 IA-0002 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (with a $199 to $1,249 copay and no coinsurance) and two OTC hearing aids (with a $199 to $829 copay and no coinsurance) are covered annually, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) partially covers vision services, featuring routine eye exams and select eyewear with no coinsurance and no copay, though eyeglass lenses carry a copay of $0 to $153. While contact lenses, eyeglass lenses, and frames are covered up to a $300 combined limit every two years, other eye exam services, complete eyeglasses (lenses and frames) packages, and upgrades are not covered.
Dental Services See details
Dental Services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), excluding implant services and orthodontics. Preventive care has no copay and no coinsurance up to a $2,000 annual maximum, while Medicare-covered dental services require no copay and a 20% coinsurance, and covered comprehensive services require no copay and a 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan with no copay, although prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and insulin, are subject to a 0% to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes or inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers diagnostic procedures with a $50 copay and no coinsurance, while lab services and diagnostic radiological services are covered with no copay and no coinsurance. Outpatient X-rays require a $30 copay and coinsurance, while therapeutic radiological services carry a 20% coinsurance and no copay, with prior authorization required for all services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers Cardiac Rehabilitation Services with no copay and no coinsurance, although prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with no coinsurance, requiring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. This benefit is partially covered because additional days beyond the standard Medicare-covered limit are not covered, and prior authorization is required.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), featuring over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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