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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 $49.00. 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 $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:
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Drug Coverage
The AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, you will pay no copay for standard pharmacy fills or mail-order deliveries. Tier 2 generic drugs cost a $10 copay for a 1-month supply at standard pharmacies, though a 3-month supply is available with no copay through preferred mail order. For brand-name and specialty medications, costs are based on coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 43% coinsurance. Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply across standard pharmacies and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC IA-0002 (HMO-POS) plan offers comprehensive medical coverage with no copays and no coinsurance for primary care visits, telehealth, routine annual physicals, and home health services. For inpatient hospital stays, members pay a $395 daily copay for days one through six and no copay for days seven through ninety, with no coinsurance. Outpatient hospital services and specialist visits are also highly affordable, featuring copays ranging from no copay up to $395 and no coinsurance. This plan also provides valuable supplemental benefits, including preventive dental care, annual routine eye exams, and yearly hearing tests with no copays. Prescription hearing aids, eyewear, and urgent care are covered with varying copays and no coinsurance, while durable medical equipment and dialysis services require no copay and a 20% coinsurance. Emergency care is accessible worldwide, featuring a $150 copay that is waived if you are admitted to the hospital within 24 hours.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $395 copay for days 1 to 6 and no copay for days 7 to 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services under the AARP Medicare Advantage from UHC IA-0002 (HMO-POS) are covered with no coinsurance, featuring no copays for ambulatory surgical center visits, outpatient substance abuse sessions, and blood services. Medicare-covered outpatient hospital services require a copay ranging from $0 to $395, while outpatient observation services carry a $395 daily copay, with prior authorization required for 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 for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $265.00 copay and no coinsurance, requiring prior authorization. While some transportation services are covered, trips to plan-approved health-related locations and any other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services require a copay ranging from no copay to $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under AARP Medicare Advantage from UHC IA-0002 (HMO-POS) feature no copay and no coinsurance for primary care doctor visits, telehealth, mental health, and psychiatric services. Specialist visits, physical, occupational, and speech therapies, and podiatry are covered with copays ranging from $0 to $35 and no coinsurance, while 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 covered services like annual physicals, kidney disease education, and fitness benefits. However, the plan does not cover health education, in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, extra smoking cessation, enhanced disease management, telemonitoring, remote access, or counseling.
Hearing Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) partially covers hearing services, offering one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Covered prescription hearing aids (up to two per year) require a copay of $199.00 to $1,249.00 and no coinsurance, but inner ear, outer ear, and over the ear models are not covered. Covered OTC hearing aids (up to two per year) are available with a copay of $199.00 to $829.00 and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), featuring no copay and no coinsurance for annual routine eye exams and contact lenses. Eyewear has a $300 combined maximum every two years with no coinsurance, covering frames (no copay) and lenses (copays from $0 to $153), while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), with implant services and orthodontics being the only excluded services. Preventive care features no copay and no coinsurance up to a $3,000 annual maximum, while comprehensive services require no copay and a 50% coinsurance, and Medicare-covered dental services require no copay and a 20% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization. Under this benefit, Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
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 to receive these covered 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 20% coinsurance. Diabetic supplies are offered with no copay, and diabetic therapeutic shoes or inserts are covered with 20% coinsurance.
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 all services. Diagnostic procedures and tests require a $40 copay with no coinsurance, lab and diagnostic radiological services have no copay and no coinsurance, and outpatient x-rays require a $30 copay with coinsurance, while therapeutic radiological services require a 20% coinsurance.
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, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC IA-0002 (HMO-POS) does not cover Cardiac Rehabilitation Services, meaning there is no coverage for intensive cardiac, pulmonary, or supervised exercise therapy (SET) for symptomatic peripheral artery disease (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) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare-covered period are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC IA-0002 (HMO-POS), offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit.
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