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AARP Medicare Advantage Patriot No Rx RI-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 RI-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 RI-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Rhode Island. 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 RI-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 RI-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 RI-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 $125.00. 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 $4900.00 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 RI-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) plan offers robust medical coverage featuring no copays for primary care visits, preventive care, and home health services. For inpatient hospital stays, members pay a $445 daily copay for the first several days and no copay for subsequent days, with no coinsurance. Emergency room visits carry a $130 copay, which is waived upon hospital admission, while specialist visits require copays up to $35. Routine hearing and vision exams are covered with no copays, alongside a $250 eyewear allowance every two years and affordable copays for hearing aids. Dental care includes no copays or coinsurance for preventive services, while comprehensive dental and durable medical equipment require coinsurance of 50% and 20% respectively. Skilled nursing facility stays feature no copays for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) with no coinsurance, featuring a $445 daily copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, with no copay for subsequent days. While unlimited additional acute days are covered at no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by the AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) plan feature no coinsurance, with no copay for ambulatory surgical center and blood services. Outpatient hospital services carry a copay of $0 to $445, observation services cost a $445 daily copay, and outpatient substance abuse sessions require a copay between $0 and $25, with prior authorization required for these services.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx RI-MA01 (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
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) covers Medicare-covered ground and air ambulance services with a $275 copay and no coinsurance, with prior authorization required. For transportation benefits, some services are covered but transportation to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits and therapy services require copays ranging from $0 to $35 with no coinsurance. Mental health, psychiatric, and podiatry services are also covered with no coinsurance and copays up to $35, though routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) with no copay and no coinsurance for covered services like annual physicals, kidney disease education, select screenings, fitness benefits, and home safety devices. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, additional smoking cessation, disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a $199 to $1,249 copay, and up to two OTC hearing aids are covered with a $199 to $829 copay, both with no coinsurance, though inner, outer, and over-the-ear prescription models are excluded.
Vision Services See details
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) partially covers vision services with no deductibles, no coinsurance, and no copays for annual routine eye exams and select eyewear up to a $250 limit every two years. While contact lenses and frames have no copay, eyeglass lenses carry a copay of $0 to $153, and upgrades, other eye exams, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) offers partially covered dental services up to a $3,000 annual maximum, with no copay and no coinsurance for preventive and diagnostic care. Medicare-covered dental services require a 20% coinsurance and no copay, and covered comprehensive services require a 50% coinsurance and no copay, while implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. Associated Medicare Part B chemotherapy, radiation, and other drugs require no copay and no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
The AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) plan covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) covers diagnostic procedures and tests with a $50 copay and no coinsurance, while lab services and diagnostic radiological services are available with no copay. Outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiological services carry a 20% coinsurance, with prior authorization required for both diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD), are not covered under the AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, a $218 copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS), featuring over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan.
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