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AARP Medicare Advantage from UHC OK-0004 (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-0004 (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-0004 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OK-0004 (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-0004 (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-0004 (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-0004 (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 $5900.00 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-0004 (HMO-POS) plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, you will pay no copay for standard pharmacy fills and preferred or standard mail orders. Tier 2 generic medications cost a $10 copay for a 1-month standard pharmacy supply, but you can get a 3-month supply with no copay when using preferred mail order. Higher-tier medications are subject to coinsurance rather than flat copayments. You will pay 19% coinsurance for Tier 3 preferred brand drugs, 39% coinsurance for Tier 4 non-preferred drugs, and 28% coinsurance for Tier 5 specialty tier drugs. These coinsurance rates apply across both standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC OK-0004 (HMO-POS) plan offers comprehensive coverage featuring no copay and no coinsurance for primary care visits, telehealth services, and annual preventive screenings. For inpatient hospital stays, members pay a $350 daily copay for days one through six and no copay for days seven through 90, with no coinsurance required. Specialist office visits require a copay ranging from $0 to $40, while emergency room services carry a $130 copay that is waived upon hospital admission. This plan also includes valuable everyday health benefits, offering routine dental, vision, and hearing exams with no copay and no coinsurance. Dental coverage features a $2,000 yearly limit for preventive services, while vision benefits provide a $300 eyewear allowance every two years. Additionally, medical equipment and dialysis services require a 20% coinsurance with no copay, while home health services and over-the-counter items are covered with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OK-0004 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $350 daily copay for days 1-6 and no copay for days 7-90 for both acute and psychiatric stays. Unlimited additional acute 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 OK-0004 (HMO-POS) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services carry no coinsurance with copays ranging from no copay to $350, while outpatient substance abuse services require no coinsurance with copays ranging from no copay to $25 for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC OK-0004 (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 services under AARP Medicare Advantage from UHC OK-0004 (HMO-POS) are covered with a $290 copay and no coinsurance for both ground and air services, with prior authorization required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC OK-0004 (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 a copay of $0 to $50 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 from UHC OK-0004 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance, while specialist visits require a $0 to $40 copay and no coinsurance. Physical, occupational, and speech therapies have a $30 copay and no coinsurance, while chiropractic services are partially covered with a $15 copay and no coinsurance, excluding routine and other chiropractic services.
Preventive Services See details
Preventive Services are covered by AARP Medicare Advantage from UHC OK-0004 (HMO-POS) with no copay and no coinsurance for annual physical exams, kidney disease education, and routine screenings. Additional preventive benefits are partially covered with no copay or coinsurance for fitness programs and home safety devices, though services such as health education, nutritional therapy, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC OK-0004 (HMO-POS), offering one annual routine hearing exam with no copay, no coinsurance, and no deductible, though fitting and evaluation exams are not covered. Additionally, up to two OTC hearing aids (with a $199.00 to $829.00 copay) and two prescription hearing aids (with a $199.00 to $1,249.00 copay) are covered per year with no coinsurance, but inner ear, outer ear, and over-the-ear prescription devices are excluded.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC OK-0004 (HMO-POS), offering no coinsurance and no copay for one annual routine eye exam, while other eye exams are not covered. Covered eyewear, including contact lenses, frames, and lenses (with a $0 to $153 copay), features no coinsurance and a $300 combined maximum benefit every two years, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC OK-0004 (HMO-POS) partially covers dental services, with implant services and orthodontics being not covered. Preventive and diagnostic services feature no copay and no coinsurance up to a $2,000 yearly limit, while Medicare-covered services carry no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the AARP Medicare Advantage from UHC OK-0004 (HMO-POS) plan with no copay and no coinsurance. Associated Medicare Part B chemotherapy, radiation, and other drugs require no copay and no coinsurance to 20% coinsurance, while Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC OK-0004 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC OK-0004 (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 benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC OK-0004 (HMO-POS) covers diagnostic and radiological services, with prior authorization required for these benefits. Diagnostic tests require a $50 copay and no coinsurance, lab services and diagnostic radiology have no copays or coinsurance, while outpatient X-rays carry a $30 copay with coinsurance, and therapeutic radiology has a 20% coinsurance and no copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC OK-0004 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC OK-0004 (HMO-POS) with no coinsurance and no copay, though prior authorization is required. While some services are covered, specific sub-services 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 OK-0004 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day hospital stay required. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC OK-0004 (HMO-POS) partially covers other services, providing 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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