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AARP Medicare Advantage from UHC RI-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 RI-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 RI-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC RI-0002 (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 from UHC RI-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 RI-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 RI-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 $355.00 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 $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
The AARP Medicare Advantage from UHC RI-0002 (HMO-POS) plan features an annual prescription drug deductible of $355. For Tier 1 preferred generics and Tier 2 generics, members enjoy no copay for both 1-month and 3-month supplies filled through standard pharmacies or standard mail order. This cost-effective structure helps keep your everyday medication expenses highly predictable. For higher-tier medications, cost-sharing is based on coinsurance percentages rather than flat copayments. Tier 3 preferred brands require a 19% coinsurance for 1-month and 3-month supplies, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 39% and 29% coinsurance respectively for a 1-month supply. Knowing these percentages helps you accurately estimate your out-of-pocket prescription costs throughout the plan year.
Additional Benefits
The AARP Medicare Advantage from UHC RI-0002 (HMO-POS) plan offers robust healthcare coverage with no copay for primary care physician visits, telehealth services, and routine preventive care. For inpatient hospital stays, members pay a $345 daily copay for days one through six and no copay for days seven through 90. Emergency room visits require a $130 copay, which is waived upon admission, while urgent care services feature a low copay ranging from no copay to $50. This plan also features excellent specialty benefits, including no copay for routine dental, vision, and hearing exams, alongside a $2,000 annual maximum for preventive dental services. Home health services and laboratory tests are covered with no copay, while durable medical equipment and dialysis services incur a 20% coinsurance. Prescription hearing aids are available with copays ranging from $199 to $1,249 depending on the device.
Inpatient Hospital See details
AARP Medicare Advantage from UHC RI-0002 (HMO-POS) inpatient hospital benefits are partially covered with no coinsurance, requiring a $345 daily copay for days 1 through 6 and no copay for days 7 through 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC RI-0002 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and outpatient blood services which both feature no copay. Outpatient hospital services require a copay ranging from $0 to $345, observation services carry a $345 daily copay, and outpatient substance abuse services feature copays between $0 and $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC RI-0002 (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 RI-0002 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, requiring prior authorization. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC RI-0002 (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 feature a copay ranging from $0 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 RI-0002 (HMO-POS) offers primary care benefits with no coinsurance, featuring no copay for primary care provider visits and telehealth services. Other covered services require copayments, such as $0 to $35 for specialists, $25 for physical therapy, and $35 for podiatry, while routine chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage from UHC RI-0002 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. While fitness benefits and home safety modifications are also covered with no copay, other additional preventive services like health education, nutritional training, and personal emergency response systems are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC RI-0002 (HMO-POS) partially covers hearing services, offering one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids (copay of $199 to $1,249) and over-the-counter hearing aids (copay of $199 to $829) are covered for up to two devices yearly with no coinsurance, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC RI-0002 (HMO-POS) partially covers vision services with no deductibles, no coinsurance, and no copay for annual routine eye exams and eyeglass frames, while eyeglass lenses carry a $0 to $153 copay. Up to a $300 combined eyewear benefit is provided every two years, but other eye exam services, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC RI-0002 (HMO-POS), with implant services and orthodontics not covered. Diagnostic and preventive care features no copay and no coinsurance up to a $2,000 annual maximum, while comprehensive and Medicare-covered dental services require no copay and a 20% to 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC RI-0002 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, 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 no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC RI-0002 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC RI-0002 (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 and no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC RI-0002 (HMO-POS) with no coinsurance and no copay for lab services, and as low as no copay for diagnostic radiological services. Outpatient diagnostic tests and procedures require a $50 copay, outpatient X-rays require a $30 copay along with coinsurance, and therapeutic radiological services incur a 20% coinsurance.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage from UHC RI-0002 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required for these services.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC RI-0002 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. While some services are covered, specific programs including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC RI-0002 (HMO-POS) covers Skilled Nursing Facility (SNF) services 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 standard Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC RI-0002 (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 prior authorization is required for the meal benefit.
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