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AARP Medicare Advantage from UHC PA-0002 (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-0002 (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-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC PA-0002 (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-0002 (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-0002 (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-0002 (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 $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 from UHC PA-0002 (HMO-POS) plan has an annual drug deductible of $440. Under this plan, Tier 1 preferred generic drugs have no copay for 1-month and 3-month supplies at standard pharmacies or through mail order. Tier 2 generic drugs cost an $8.00 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay using preferred mail order. Tier 3 preferred brand drugs require a 19% coinsurance for both 1-month and 3-month supplies at standard pharmacies and through mail order. For higher-tier medications, you will pay a 40% coinsurance for Tier 4 non-preferred drugs and a 28% coinsurance for Tier 5 specialty drugs on a 1-month supply. These coinsurance rates apply whether you fill your prescriptions at a standard pharmacy or through mail order.
Additional Benefits
The AARP Medicare Advantage from UHC PA-0002 (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care visits, telehealth services, and annual physical exams. For specialist visits, members can expect copays ranging from no copay up to $45, while inpatient hospital stays require a $350 daily copay for the first six days and no copay thereafter. Outpatient services and emergency care are also covered, with emergency room visits requiring a $130 copay that is waived if the member is admitted. This plan also provides valuable routine benefits, including preventive dental care with no copay up to a $1,500 annual limit, alongside routine vision and hearing exams with no copays. Skilled nursing facility stays feature no copay for the first 20 days, while durable medical equipment and dialysis services generally require a 20% coinsurance. Additionally, members benefit from covered home health services, home infusion, and over-the-counter items with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC PA-0002 (HMO-POS) covers inpatient hospital and psychiatric care with no coinsurance, requiring a $350 daily copay for days 1 through 6 and no copay for days 7 and beyond. Prior authorization is required, and non-Medicare-covered stays, upgrades, and psychiatric care beyond 90 days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC PA-0002 (HMO-POS) covers outpatient services with no coinsurance, though prior authorization is required for most services. You will pay no copay for ambulatory surgical center and blood services, a copay of $0 to $350 for outpatient hospital and observation services, and a copay of $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC PA-0002 (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
Ambulance and Transportation Services are partially covered under AARP Medicare Advantage from UHC PA-0002 (HMO-POS), as transportation to plan-approved or any health-related locations is not covered. Covered ground and air ambulance services require prior authorization and have a $275 copay with no coinsurance.
Emergency Services See details
AARP Medicare Advantage from UHC PA-0002 (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 feature no copay to a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC PA-0002 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits range from no copay to a $45 copay with no coinsurance. Physical, occupational, and speech therapy services require a $45 copay and no coinsurance, but chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC PA-0002 (HMO-POS) covers preventive services, including annual physical exams, fitness benefits, and kidney disease education, with no copay and no coinsurance. This benefit is partially covered, as services such as health education, in-home safety assessments, personal emergency response systems, nutritional therapy, and telemonitoring are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC PA-0002 (HMO-POS), featuring one annual routine hearing exam with no copay, no deductible, and no coinsurance, while fitting and evaluation exams are not covered. Up to two prescription and OTC hearing aids are covered per year with no coinsurance and copays ranging from $199.00 to $1,249.00, though inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC PA-0002 (HMO-POS) partially covers vision services, offering no copay and no coinsurance for routine eye exams and eyewear up to a $150 maximum every two years. Covered items include contact lenses and eyeglass frames with no copay, and eyeglass lenses with a $0 to $153 copay and no coinsurance, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC PA-0002 (HMO-POS), excluding implant services and orthodontics. Preventive and diagnostic dental services feature no copay and no coinsurance up to a $1,500 annual maximum, while Medicare-covered services require 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 from UHC PA-0002 (HMO-POS) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Additionally, Medicare Part B chemotherapy, radiation, and other drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC PA-0002 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is covered under AARP Medicare Advantage from UHC PA-0002 (HMO-POS), providing durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, and diabetic therapeutic shoes or inserts are covered with no copay and a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC PA-0002 (HMO-POS), with prior authorization required for services. Members pay no copay or coinsurance for lab services, a $50 copay with no coinsurance for diagnostic tests, a $30 copay for outpatient X-rays, copays starting at $0 for diagnostic radiology, and 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC PA-0002 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered with no coinsurance under the AARP Medicare Advantage from UHC PA-0002 (HMO-POS) plan, but only some services are covered in practice. Specifically, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC PA-0002 (HMO-POS) covers skilled nursing facility (SNF) care with no coinsurance and no required prior 3-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and prior authorization is required, though days beyond the standard Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC PA-0002 (HMO-POS) provides partial coverage for 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 benefit, and the meal benefit requires prior authorization.
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