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AARP Medicare Advantage from UHC PA-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 PA-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 PA-0001 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC PA-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 Pennsylvania. 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 PA-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 PA-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 PA-0001 (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 $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 $5400.00 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 PA-0001 (HMO-POS) prescription drug plan features an annual drug deductible of $440. Tier 1 preferred generic drugs have no copay for both standard pharmacy and mail-order options. Tier 2 generic drugs cost a $5 copay for a 1-month supply at a standard pharmacy, but you can get a 3-month supply with no copay through preferred mail order. For brand-name and specialty medications, costs are based on coinsurance percentages. Tier 3 preferred brand drugs require a 17% coinsurance, while Tier 4 non-preferred drugs carry a 42% coinsurance. Tier 5 specialty drugs require a 28% coinsurance for a 1-month supply at standard pharmacies and through mail order.
Additional Benefits
The AARP Medicare Advantage from UHC PA-0001 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. Specialist visits require a copay of up to $40, while emergency room care has a $130 copay and inpatient hospital stays carry a $395 daily copay for the first six days. Outpatient services and diagnostic labs are also available with no copay, though other diagnostic tests and durable medical equipment require copays or a 20% coinsurance. This plan also features robust supplemental benefits, including preventive dental care, routine vision exams, and routine hearing exams all with no copay. Comprehensive dental services are covered up to a $3,000 annual limit with a 50% coinsurance, and prescription hearing aids are available with copays starting at $199. Additionally, members benefit from no copays on over-the-counter items and home-delivered meals, supporting overall wellness and affordability.
Inpatient Hospital See details
AARP Medicare Advantage from UHC PA-0001 (HMO-POS) offers partially covered inpatient hospital services with no coinsurance, featuring a $395 copay for days 1-6 of acute stays (days 1-5 for psychiatric stays) and no copay for subsequent days. Unlimited additional acute care days are covered at no copay, though additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC PA-0001 (HMO-POS) covers outpatient services with no coinsurance, though prior authorization is required for most care. Outpatient hospital and observation copays range from no copay up to $395, while ambulatory surgical center and blood services have no copay, and outpatient substance abuse sessions have copays ranging from no copay to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC PA-0001 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC PA-0001 (HMO-POS) covers Medicare-covered ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC PA-0001 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services are covered with a copay of $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copay and no coinsurance.
Primary Care See details
Primary care benefits for AARP Medicare Advantage from UHC PA-0001 (HMO-POS) offer primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $40 copay with no coinsurance. Physical, occupational, and speech therapies have a $30 copay with no coinsurance, but routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC PA-0001 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered options like annual physical exams, fitness benefits, home safety devices, kidney disease education, and select screenings. Sub-services that are not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling services.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC PA-0001 (HMO-POS) with no deductibles. Routine hearing exams are covered with no copay and no coinsurance, while prescription hearing aids (copays of $199.00 to $1,249.00 and no coinsurance) and OTC hearing aids (copays of $199.00 to $829.00 and no coinsurance) are limited to two per year. Hearing aid fittings and evaluations, 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 from UHC PA-0001 (HMO-POS), with no coverage for other eye exam services, upgrades, or combined eyeglasses. Routine eye exams are covered with no copay and no coinsurance, while covered eyewear features no coinsurance and copays ranging from no copay up to $153, with a $300 maximum benefit every two years.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC PA-0001 (HMO-POS) up to a $3,000 annual limit, excluding implant services and orthodontics. Preventive care is provided with no copay and no coinsurance. Medicare-covered dental services require no copay and a 20% coinsurance, while comprehensive services require no copay and a 50% coinsurance, with both requiring prior authorization.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC PA-0001 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and other radiation drugs, carry no coinsurance to 20% coinsurance, while insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC PA-0001 (HMO-POS) plan 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 PA-0001 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC PA-0001 (HMO-POS) with prior authorization required. Lab services feature no copay or coinsurance, diagnostic tests require a $50 copay with no coinsurance, and radiological services range from a $0 minimum copay for diagnostic imaging to a 20% minimum coinsurance for therapeutic services and a $30 copay plus coinsurance for X-rays.
Home Health Services See details
AARP Medicare Advantage from UHC PA-0001 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC PA-0001 (HMO-POS) plan, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC PA-0001 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day 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 Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC PA-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 benefit.
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