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AARP Medicare Advantage Patriot No Rx PA-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 PA-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 PA-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Pennsylvania. 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 PA-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 PA-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 PA-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 $160.00. 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:
Sign up for AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist visits and outpatient services feature low-to-moderate copays with no coinsurance, while inpatient hospital stays require a daily copay of $350 for the first seven days. Emergency care is available with a $130 copay that is waived upon hospital admission, and urgently needed services carry no copay to a $50 copay. This plan also includes valuable dental, vision, and hearing benefits, highlighted by a $5,000 annual dental limit with no copay for preventive care and a $300 eyewear allowance every two years. Routine hearing and vision exams are covered with no copay, and hearing aids are available with copays ranging from $199 to $1,249. Additionally, durable medical equipment and dialysis services require a 20% coinsurance with no copay, while over-the-counter items are provided with no copay.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) covers inpatient acute hospital stays with no coinsurance, requiring a $350 daily copay for days 1 to 7 and no copay for days 8 and beyond. Inpatient psychiatric stays are also covered with no coinsurance and a $350 daily copay for days 1 to 6, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) with no coinsurance, featuring a $0 to $350 copay for outpatient hospital and observation services and no copay for ambulatory surgical center and blood services. Covered outpatient substance abuse services also have no coinsurance, with copays ranging from $0 to $25, though prior authorization is required for these outpatient benefits.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx PA-MA01 (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 Patriot No Rx PA-MA01 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, although prior authorization is required. Some transportation services are covered, but transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
Emergency services under the AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) plan are covered with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $0 to $50 copay 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 PA-MA01 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $45 copay and no coinsurance. Therapy, mental health, and podiatry services feature copays ranging from $0 to $45 and no coinsurance, though routine and other chiropractic care are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) with no copay and no coinsurance, including annual physicals, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and post-welcome visit EKGs. Additional preventive benefits are partially covered with no copay or coinsurance for fitness benefits and home safety devices. However, sub-services such as health education, PERS, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS), featuring one routine hearing exam per year with no copay, no coinsurance, and no deductible, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (copays of $199.00 to $1,249.00) and two OTC hearing aids (copays of $199.00 to $829.00) are covered annually with 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 the AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) plan, offering one routine eye exam per year with no copay or coinsurance, while other eye exams are not covered. Eyewear is covered up to a $300 limit every two years with no coinsurance, including contact lenses and frames with no copay, and lenses with a $0 to $153 copay, though upgrades and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) covers dental services up to $5,000 annually, offering preventive care with no copay and no coinsurance. Medicare-covered dental services require a 20% coinsurance and no copay, while comprehensive dental benefits are partially covered with a 50% coinsurance and no copay, excluding implant services and orthodontics.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) covers home infusion bundled services with no copay, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and between no coinsurance and 20% coinsurance, while Part B insulin has a $35 copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS), featuring 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 and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS), with prior authorization required for these services. Diagnostic procedures and tests require a $50 copay and no coinsurance, lab services have no copay and no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) plan with no copay, no coinsurance, and prior authorization required. However, only some services are covered in practice, as cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
Other Services are partially covered by the AARP Medicare Advantage Patriot No Rx PA-MA01 (HMO-POS), featuring no copay and no coinsurance for over-the-counter (OTC) items and chronic illness meal benefits, which require prior authorization. Acupuncture and other miscellaneous services are not covered under this benefit.
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