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AARP Medicare Advantage from UHC MS-0001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MS-0001 (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 MS-0001 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Mississippi. 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 MS-0001 (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 MS-0001 (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 MS-0001 (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 $440.00 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:
Sign up for AARP Medicare Advantage from UHC MS-0001 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage from UHC MS-0001 (HMO-POS) plan features an annual prescription drug deductible of $440. Under this plan, there is no copay for Tier 1 preferred generic and Tier 2 generic medications filled at standard pharmacies or through standard mail order. For brand name and specialty medications, your costs are based on coinsurance percentages during the initial coverage phase. Tier 3 preferred brand drugs require a 21% coinsurance, Tier 4 non-preferred drugs carry a 41% coinsurance, and Tier 5 specialty drugs require a 28% coinsurance for standard pharmacy and mail order fills.
Additional Benefits
The AARP Medicare Advantage from UHC MS-0001 (HMO-POS) plan offers comprehensive coverage with predictable costs, featuring no copays and no coinsurance for primary care visits, telehealth, and preventive services. For more intensive medical needs, members pay no coinsurance for inpatient hospital stays, though daily copays of $395 apply for the first few days of care. Outpatient hospital visits range from no copay up to a $395 copay, while emergency care carries a $130 copay that is waived upon admission. This plan also includes valuable dental, vision, and hearing benefits to help reduce out-of-pocket expenses. Preventive dental services, routine eye exams, and annual hearing exams are available with no copay, though comprehensive dental requires a 50% coinsurance and hearing aids require copays. Additionally, home health services feature no copay, while durable medical equipment and dialysis services generally require a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC MS-0001 (HMO-POS) with no coinsurance, requiring a $395 daily copay for days 1 to 7 of acute stays (no copay for days 8 and beyond) and a $395 daily copay for days 1 to 5 of psychiatric stays (no copay for days 6 to 90). Prior authorization is required for these services, and upgrades or non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) covers outpatient services with no coinsurance, although prior authorization is required. There is no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital visits have a copay of $0 to $395, and outpatient substance abuse sessions carry a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MS-0001 (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 MS-0001 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature 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 MS-0001 (HMO-POS) provides primary care, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits, therapies, podiatry, and mental health services require copays ranging from $0 to $35 with no coinsurance, and while some chiropractic services are covered with a $15 copay and no coinsurance, routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) partially covers preventive services with no copay and no coinsurance for covered services, including annual physical exams, fitness benefits, and kidney education. However, several supplemental services are not covered, including 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 counseling, disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC MS-0001 (HMO-POS), which provides one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two OTC hearing aids with copays of $199.00 to $829.00 and two prescription hearing aids with copays of $199.00 to $1,249.00 are covered annually with no coinsurance, though 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 MS-0001 (HMO-POS) with no deductible and no coinsurance. Routine eye exams, contact lenses, and eyeglass frames are offered with no copay, and eyeglass lenses have a copay of $0 to $153 up to a $250 combined limit every two years, though other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) partially covers dental services, excluding implant services and orthodontics, up to a $3,000 annual maximum. Preventive dental care features no copay and no coinsurance, while Medicare-covered services require no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC MS-0001 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC MS-0001 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) covers medical equipment with no copays, though a 20% coinsurance applies to durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay, though manufacturer limits apply, and prior authorization is required for most equipment.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under AARP Medicare Advantage from UHC MS-0001 (HMO-POS), with prior authorization required for these services. Members will pay no copay and no coinsurance for lab services and diagnostic radiology, a $50 copay and no coinsurance for diagnostic procedures, a $30 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC MS-0001 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, specific sub-services including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC MS-0001 (HMO-POS) partially covers other services, providing 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 this plan.
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