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AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC KY-5 (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 Extras from UHC KY-5 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Kentucky. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Extras from UHC KY-5 (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 Extras from UHC KY-5 (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 Extras from UHC KY-5 (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 $600.00 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:
Sign up for AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) prescription drug plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs are available with no copay for a 3-month supply through preferred mail order, or a $14 copay for a 1-month supply at standard pharmacies. Higher-tier medications transition to coinsurance, with Tier 3 preferred brand drugs requiring a 17% coinsurance across standard pharmacies and mail order options. Tier 4 non-preferred drugs carry a 28% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply. This plan provides clear cost structures to help beneficiaries estimate their out-of-pocket prescription drug costs.
Additional Benefits
The AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, telehealth services, and annual preventive physicals. For specialized care, members pay a copay ranging from no copay up to $55 for specialist visits, while emergency services require a $130 copay that is waived upon hospital admission. Outpatient hospital services and inpatient stays are covered with no coinsurance, though inpatient care requires a daily copay of $550 for the first several days before transitioning to no copay. This plan also features robust dental, vision, and hearing benefits, including no copays for routine eye exams, annual hearing tests, and preventive dental care up to a $3,500 annual limit. While home health services require no copay or coinsurance, other services like durable medical equipment and dialysis require a 20% coinsurance. Skilled nursing facility stays are also covered with no copay for the first 20 days, followed by a daily copay of $218 for days 21 through 100.
Inpatient Hospital See details
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) partially covers inpatient hospital services with no coinsurance, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Acute stays require a $550 daily copay for days 1-5 and no copay for days 6 and beyond, while psychiatric stays require a $550 daily copay for days 1-4 and no copay for days 5-90.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $550, while outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Extras from UHC KY-5 (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
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Extras from UHC KY-5 (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 have a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copays or coinsurance.
Primary Care See details
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) features primary care and telehealth services with no copay and no coinsurance. Specialist visits, mental health, and physical therapy are covered with copays ranging from no copay up to $55 and no coinsurance, though routine chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for annual physicals, kidney disease education, select screenings, fitness benefits, and home safety devices. However, several additional services are not covered, including health education, in-home safety assessments, personal emergency response systems, weight management programs, and nutritional or dietary benefits.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance. Prescription hearing aids require a copay of $199 to $1,249 and OTC hearing aids require a copay of $199 to $829 with no coinsurance for either, though fitting and evaluation services, along with inner ear, outer ear, and over the ear prescription models, are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS), featuring no coinsurance and no copay for annual routine eye exams and frames or contact lenses, though eyeglass lenses have a copay between $0 and $153. A $200 maximum benefit applies to eyewear every two years, while other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) up to a $3,500 annual maximum, though implant services and orthodontics are not covered. Preventive services feature no copay and no coinsurance, Medicare-covered services have no copay and a 20% coinsurance, and covered comprehensive services require no copay and a 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical Equipment is covered by the AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) plan with no copay and a 20% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay from specified manufacturers, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS), with prior authorization required for all services. Members pay no copay or coinsurance for lab services and diagnostic radiology, a $50 copay for diagnostic procedures, a $30 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with additional days beyond the Medicare-covered limit not covered.
Other Services See details
AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS) partially covers other services, offering over-the-counter items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture is not covered under this plan.
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