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AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx DE-MA01 (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 Patriot No Rx DE-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Delaware. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx DE-MA01 (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 Patriot No Rx DE-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $105.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) plan features robust medical coverage with no copay for primary care, telehealth visits, annual physicals, and home health services. Specialist visits and diagnostic tests require affordable copays up to $55, while inpatient hospital stays carry a $495 daily copay for the first few days before transitioning to no copay. Additionally, emergency room visits have a $130 copay, which is waived if you are admitted to the hospital. For ancillary care, members enjoy no copay for routine eye exams, annual hearing exams, and preventive dental services up to a $2,000 annual limit. While many services under this plan have no coinsurance, certain items like durable medical equipment, dialysis, and comprehensive dental care require a 20% to 50% coinsurance. Members also receive extra perks like over-the-counter items and fitness benefits with no copay or coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) with no coinsurance, requiring a $495 daily copay for days 1-5 of acute stays (no copay for days 6 and beyond) and days 1-4 of psychiatric stays (no copay for days 5-90). This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient Services are covered by the AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) plan with no coinsurance, though prior authorization is required for most treatments. There is no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital services require a copay of $0 to $495, and outpatient substance abuse sessions carry a copay of $0 to $25.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) plan with a $55.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS), offering ground and air ambulance services for a $275 copay and no coinsurance, subject to prior authorization. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a copay of up to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits, mental health, and therapy services require copays ranging from $0 to $50 with no coinsurance, and while some chiropractic services are covered, routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) offers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. Additional preventive benefits are partially covered, offering fitness benefits and home safety modifications with no copay and no coinsurance, while services like health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) plan, which offers one annual routine hearing exam with no copay and no coinsurance, though hearing aid fitting and evaluations are not covered. Covered prescription hearing aids carry a copay of $199 to $1,249, while OTC hearing aids range from a $199 to $829 copay (both with a limit of two per year and no coinsurance), but 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 Patriot No Rx DE-MA01 (HMO-POS), featuring no coinsurance for covered benefits. Routine eye exams, contact lenses, and eyeglass frames are available with no copay, while eyeglass lenses have a copay of $0 to $153 up to a $200 combined eyewear limit every two years; however, other eye exam services, upgrades, and bundled eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) plan, with orthodontics and implant services excluded from coverage. Preventive services have no copay and no coinsurance up to a $2,000 annual limit, while Medicare-covered services carry a 20% coinsurance and comprehensive services carry a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
The AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) plan, with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes or inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) covers diagnostic services with no coinsurance, featuring a $55 copay for diagnostic tests and no copay for lab services. Covered radiological services require no copay for diagnostic radiology, a $30 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiology, with prior authorization required for all services.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx DE-MA01 (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 under the AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required. While some services are covered, specific options such as standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) with no coinsurance, offering no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day hospital stay is not required, and additional days beyond the Medicare-covered 100-day limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx DE-MA01 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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