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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 $55.00. 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 $5900.00 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 has an annual drug deductible of $520 and offers cost-saving options for generic medications. For Tier 1 preferred generic drugs, you pay no copay for 1-month or 3-month fills at standard pharmacies and mail-order services. Tier 2 generic drugs require a $10 copay for a 1-month supply at standard pharmacies, but you can save with no copay for a 3-month supply using preferred mail order. Higher-tier medications under this plan are subject to coinsurance rather than flat copayments. Tier 3 preferred brand drugs carry a 16% coinsurance, while Tier 4 non-preferred drugs require 43% coinsurance for a 1-month supply. Specialty drugs in Tier 5 require 27% coinsurance for a 1-month supply at standard pharmacies and through mail order.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copay and no coinsurance for primary care, telehealth, and routine preventive services. Specialist visits range from no copay to a $50 copay, while emergency room visits require a $130 copay that is waived upon hospital admission. Inpatient hospital stays require a $440 daily copay for the first five days, followed by no copay for days six through ninety. This plan also includes valuable supplemental benefits, such as routine dental, vision, and hearing exams with no copay or coinsurance, alongside a $200 eyewear allowance every two years. Durable medical equipment and dialysis services are covered, generally requiring no copay and a 20% coinsurance. Additionally, members benefit from covered home health services and over-the-counter items at no copay, making this plan a robust option for managing everyday healthcare needs.
Inpatient Hospital See details
Inpatient hospital care is covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with no coinsurance, featuring a $440 daily copay for days 1 to 5 and no copay for days 6 to 90 for acute and psychiatric stays. Unlimited additional acute days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center services, outpatient substance abuse sessions, and blood services. Outpatient hospital services require no coinsurance and carry a copay of $0 to $440, including a $440 daily copay for observation services, with prior authorization required for most of these benefits.
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 receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services under the AARP Medicare Advantage from UHC IA-0002 (HMO-POS) are partially covered, with Medicare-covered ground and air ambulance services requiring a $290 copay and no coinsurance. Routine transportation services to plan-approved locations or any other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require 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
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers primary care, telehealth, mental health, and psychiatric services with no copay and no coinsurance. Specialist visits require a $0 to $50 copay, therapy services have a $50 copay, and podiatry services carry a $45 copay, all with no coinsurance. While some chiropractic services are covered, routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with no copay and no coinsurance for annual physical exams, fitness benefits, home safety devices, kidney disease education, and screenings. Uncovered sub-services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge 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 technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), which provides one annual routine hearing exam with no copay, no deductible, and no coinsurance. Up to two prescription hearing aids per year are covered with a $199.00 to $1,249.00 copay and no coinsurance, alongside up to two OTC hearing aids with a $199.00 to $829.00 copay and no coinsurance. However, fitting and evaluation exams, as well as inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), featuring one annual routine eye exam with no copay or coinsurance, and a $200 combined eyewear allowance every two years with no deductible or coinsurance. Covered eyewear includes contact lenses and frames with no copay, and lenses with a $0 to $153 copay, while other eye exams, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), with preventive care such as exams, cleanings, fluoride, and x-rays requiring no copay and no coinsurance. Medicare-covered dental services have no copay and a 20% coinsurance, while restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontic services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS) with no copay, though prior authorization and step therapy are required. Associated Medicare Part B drugs, including chemotherapy and radiation, have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and a coinsurance ranging from no coinsurance to 20%.
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, although prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with 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
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers diagnostic and radiological services, with prior authorization required for both. Under this plan, lab services and diagnostic radiology have no copay and no coinsurance, while diagnostic tests require a $45 copay, outpatient X-rays have a $30 copay with coinsurance, and therapeutic radiology requires a minimum 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice under the AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan. Although the benefit is technically covered with no coinsurance, none of the sub-services are covered, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture is not covered under these benefits.
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