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AARP Medicare Advantage Extras from UHC OH-13 (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 OH-13 (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 OH-13 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Ohio and 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 OH-13 (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 OH-13 (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 OH-13 (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 $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 $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:
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Drug Coverage
The AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs carry a $12 copay for a 1-month supply at standard pharmacies, but you can save with no copay on a 3-month supply when using preferred mail order. For brand-name and higher-tier medications, costs are calculated as a percentage of the drug cost during the initial coverage phase. Tier 3 preferred brand drugs require a 15% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs have a 42% coinsurance, and Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply at standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care visits, annual physicals, and home health services. Specialist visits, urgent care, and outpatient services generally require low copays ranging from $0 to $55, while emergency room visits carry a $130 copay that is waived if you are admitted. For inpatient hospital stays, you will pay a daily copay of $455 for the first several days, with no copay required for subsequent days. This plan also includes valuable supplemental benefits, such as routine hearing and vision exams with no copay, alongside a $300 eyewear allowance every two years. Preventive dental care is fully covered with no copay up to a $3,000 annual maximum, while comprehensive dental services require a 50% coinsurance. Diagnostic labs and diabetic supplies are available with no copay, though durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) with no coinsurance, though prior authorization is required. For acute stays, you pay a $455 daily copay for days 1 to 6 and no copay for days 7 and beyond, while psychiatric stays require a $455 daily copay for days 1 to 5 and no copay for days 6 to 90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) with no coinsurance, although prior authorization is required. There is no copay for ambulatory surgical center and outpatient blood services, but outpatient hospital services have a copay of $0 to $455, observation services cost a $455 copay per day, and outpatient substance abuse sessions have a copay of $0 to $25.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. 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 OH-13 (HMO-POS) with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services feature a copay of $0 to $50 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 for AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) are covered with no coinsurance, featuring no copay for primary care visits, telehealth, and opioid treatment. Other services, including specialist visits, physical and occupational therapies, mental health, and podiatry, require no coinsurance with copays ranging from $0 to $55, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and glaucoma screenings. Additional preventive benefits are partially covered with no copay and no coinsurance for fitness and home safety benefits, while sub-services such as health education, in-home support, and weight management programs are not covered.
Hearing Services See details
Hearing Services are partially covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS), offering no deductible and no coinsurance for all covered benefits. Routine hearing exams are covered with no copay, prescription hearing aids carry a copay of $199 to $1249, and OTC hearing aids have a copay of $199 to $829. Hearing aid fitting and evaluation, 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 Extras from UHC OH-13 (HMO-POS), offering one annual routine eye exam with no copay, no coinsurance, and no deductible, though other eye exams are not covered. Eyewear is covered with no coinsurance up to a $300 combined limit every two years, featuring no copay for contacts and frames, and a $0 to $153 copay for lenses, while upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS), excluding implant services and orthodontics. Preventive care is available with no copay and no coinsurance up to a $3,000 annual maximum. Covered comprehensive services require no copay and a 50% coinsurance, while Medicare-covered dental services have no copay and a 20% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS), including durable medical equipment, prosthetics, and medical supplies which require a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) plan, with prior authorization required. Diagnostic tests require a $50 copay, outpatient X-rays have a $30 copay, and therapeutic radiology has a 20% coinsurance, while lab services and diagnostic radiology are covered with no copays or coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) plan, as none of the sub-services are covered in practice. Although the plan technically features no copay and no coinsurance, all specific treatments—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. Under this benefit, there is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with no coverage provided for additional days beyond the Medicare-covered limit.
Other Services See details
AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit, and the meal benefit requires prior authorization.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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