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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 2025, 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 2025.
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 $46.00. 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 $340.00 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 $3800.00 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 a $340 deductible for prescription drugs. During the initial coverage phase, you'll pay varying copays or coinsurance amounts depending on the drug tier and pharmacy used. For example, you may pay a $10 copay for a preferred generic drug at a standard pharmacy, or 29% coinsurance for a non-preferred drug. Once your total drug costs reach $2000, you enter the catastrophic coverage phase and pay nothing for covered Part D drugs. However, those who qualify for the low-income subsidy (LIS) may have a reduced Part D premium.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan offers a range of benefits. Inpatient hospital stays have a $325 copay for the first 5 days, with no copay for days 6-90, and various outpatient services have copays that vary. Emergency services have a $140 copay, and primary care, preventive services, and many mental health services have no copay. This plan provides coverage for hearing, vision, and dental services. Hearing exams and routine eye exams have no copay, and prescription hearing aids have a copay between $199 and $1249. Dental services include no copay for oral exams, cleanings, and other preventive services, but there is a 20% coinsurance for Medicare dental services.
Inpatient Hospital See details
Inpatient Hospital benefits for AARP Medicare Advantage from UHC IA-0002 (HMO-POS) include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For the first 5 days, there is a $325 copay, and days 6-90 have no copay; additional days for Inpatient Hospital-Acute have no copay for days 91-999. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, as well as additional days and non-Medicare-covered stays 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 $325, observation services with a $325 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with no copay, and outpatient blood services with no copay. This plan requires prior authorization for these services.
Partial Hospitalization See details
Partial Hospitalization is covered under this plan, with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS). Ground and air ambulance services have a $290 copay, with no coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services has a $140 copay, while Urgently Needed Services has a copay between $0 and $65. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services are covered with a $20 copay, but routine care is not covered. Occupational Therapy Services have a copay between $0 and $25, and Physician Specialist Services have a copay between $0 and $35. Mental Health Specialty Services, Psychiatric Services, and Opioid Treatment Program Services all have no copay for individual and group sessions. Podiatry Services have a $35 copay for routine foot care. Physical Therapy and Speech-Language Pathology Services have a copay between $0 and $25, and Additional Telehealth Benefits have no copay.
Preventive Services See details
Preventive Services include an annual physical exam with no copay, and additional preventive services, including Fitness Benefit, and Home and Bathroom Safety Devices and Modifications, are covered with no copay. Other preventive services such as Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit are also covered with no copay. 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 hearing exams with no copay, routine hearing exams with no copay, prescription hearing aids with a copay between $199 and $1249, and OTC hearing aids with a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids (inner ear, outer ear, and over the ear) are not covered.
Vision Services See details
Vision services include routine eye exams with no copay, and eyewear benefits including contact lenses, eyeglass lenses, and eyeglass frames. Eyeglass lenses have a copay between $0 and $153, while contact lenses and eyeglass frames have no copay. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
The AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan covers dental services with a 20% coinsurance for Medicare Dental Services. Oral exams, dental X-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventative dental services have no copay. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Maxillofacial Prosthetics, and Oral and Maxillofacial Surgery have no copay, while Prosthodontics (removable and fixed) have a coinsurance between 0% and 50%. The plan does not cover implant services or orthodontics.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay, and the coinsurance ranges from 0% to 20%, while for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance ranges from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan. This plan requires prior authorization for Dialysis Services and has a coinsurance of 20%.
Medical Equipment See details
Medical equipment includes Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment, including 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, including Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services, are covered. Diagnostic Procedures/Tests have a copay of $50, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $160, and Therapeutic Radiological Services have 20% coinsurance, and Outpatient X-Ray Services have a $25 copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan with no copay and no coinsurance, but Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan. The plan also does not cover Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $203. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services includes coverage for over-the-counter items and meal benefits, but acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered. Over-the-counter items have no copay, and meal benefits also have no copay with prior authorization required.
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