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AARP Medicare Advantage from UHC OK-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 OK-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 OK-0002 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OK-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 Oklahoma. 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 OK-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 OK-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 OK-0002 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $36.00. 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 $4200.00 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 OK-0002 (HMO-POS) plan features an annual drug deductible of $355. For Tier 1 preferred generic and Tier 2 generic drugs, members enjoy no copay for a 1-month or 3-month supply at standard pharmacies, as well as for a 3-month supply through standard mail order. This coverage provides excellent cost savings on everyday maintenance medications. For higher-tier prescriptions, costs are determined by coinsurance rates rather than flat copays. You will pay a 21% coinsurance for Tier 3 preferred brand drugs, 46% coinsurance for Tier 4 non-preferred drugs, and 29% coinsurance for Tier 5 specialty drugs. These cost-sharing rates apply to both standard pharmacy fills and standard mail order services.
Additional Benefits
The AARP Medicare Advantage from UHC OK-0002 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care doctor visits, telehealth services, and annual physicals. Routine eye exams, contact lenses, and preventive dental care are also available with no copay, helping you manage your everyday wellness costs. For specialized care, specialist visits require low copays ranging from $0 to $30, while comprehensive dental services are covered with no copay and a 50 percent coinsurance up to a $5,000 annual limit. Inpatient hospital stays are covered with a $325 daily copay for the first six days and no copay thereafter, while emergency room visits feature a $150 copay that is waived if you are admitted. Major medical needs like home health services, lab tests, and cardiac rehabilitation require no copay and no coinsurance. Additionally, durable medical equipment and dialysis services are covered with no copay and a 20 percent coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OK-0002 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance and a $325 daily copay for days 1 through 6, followed by no copay for days 7 and beyond. Prior authorization is required, and the plan does not cover upgrades, non-Medicare-covered stays, or additional psychiatric days.
Outpatient Services See details
AARP Medicare Advantage from UHC OK-0002 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital and observation services require copays ranging from no copay up to $325, while outpatient substance abuse services feature a $15 copay for group sessions and no copay to a $25 copay for individual sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC OK-0002 (HMO-POS) covers partial hospitalization 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 OK-0002 (HMO-POS) covers ground and air ambulance services with a $290 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
AARP Medicare Advantage from UHC OK-0002 (HMO-POS) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services have a copay ranging from $0 to $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care services under AARP Medicare Advantage from UHC OK-0002 (HMO-POS) are covered with no copay and no coinsurance for primary care provider and telehealth visits. Specialist visits, physical therapy, and mental health services require copays ranging from $0 to $30 with no coinsurance, while chiropractic care is only partially covered as routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC OK-0002 (HMO-POS) covers preventive services like annual physicals, fitness benefits, home safety devices, kidney disease education, and screenings with no copay and no coinsurance. This benefit is partially covered, as 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/dietary benefits, palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC OK-0002 (HMO-POS), offering one annual routine hearing exam with no copay or coinsurance, though fitting and evaluation services are not covered. The plan also covers up to two prescription hearing aids per year with a $199 to $1,249 copay and no coinsurance, and up to two OTC hearing aids with a $199 to $829 copay and no coinsurance, though inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC OK-0002 (HMO-POS), offering no deductibles, no coinsurance, and no copays for routine eye exams, contact lenses, and eyeglass frames. Covered eyewear is subject to a $300 combined maximum every two years with a $0 to $153 copay for eyeglass lenses, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC OK-0002 (HMO-POS) offers partially covered dental services with a $5,000 annual limit, excluding implant services and orthodontics. Preventive dental care features no copay and no coinsurance, while Medicare-covered dental services have no copay with 20% coinsurance, and comprehensive services require no copay with 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC OK-0002 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Covered Medicare Part B drugs, such as chemotherapy, require no copay and no coinsurance to 20% coinsurance, while Part B insulin is available for a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC OK-0002 (HMO-POS) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC OK-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, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC OK-0002 (HMO-POS) with no coinsurance, though prior authorization is required. Members pay no copay for lab services and diagnostic radiological services, a $5 copay for diagnostic procedures and tests, a $25 copay for outpatient X-rays, and a $60 copay for therapeutic radiological services.
Home Health Services See details
AARP Medicare Advantage from UHC OK-0002 (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no copay and no coinsurance under the AARP Medicare Advantage from UHC OK-0002 (HMO-POS) plan, and prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by AARP Medicare Advantage from UHC OK-0002 (HMO-POS) with no coinsurance, as additional days beyond the standard 100-day Medicare limit are not covered. For covered days, there is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with prior authorization required and no prior hospital stay needed.
Other Services See details
AARP Medicare Advantage from UHC OK-0002 (HMO-POS) partially covers other services, offering Over-the-Counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though meals require prior authorization. Acupuncture is not covered under this plan's other services benefit.
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