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AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC PA-18 (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 Extras from UHC PA-18 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Select Counties in Pennsylvania. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Extras from UHC PA-18 (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 Extras from UHC PA-18 (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 Extras from UHC PA-18 (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 $600.00 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 $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 Extras from UHC PA-18 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) plan features an annual prescription drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for standard pharmacy fills or mail-order deliveries. Tier 2 generic drugs cost a $5 copay for a one-month supply at standard pharmacies, though you can get a three-month supply with no copay through preferred mail order. Higher-tier medications under this plan are subject to coinsurance instead of flat copays. You will pay a 17% coinsurance for Tier 3 preferred brand drugs and a 34% coinsurance for Tier 4 non-preferred drugs. Tier 5 specialty drugs require a 26% coinsurance for a one-month supply across standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) plan offers comprehensive medical coverage with no copays for primary care visits, preventive services, and home health care. Specialist doctor visits range from no copay up to a $60 copay, while emergency room visits require a $130 copay which is waived upon hospital admission. For hospital stays, inpatient admission requires a $550 daily copay for the first few days before transitioning to no copay, and outpatient hospital services range from no copay up to $550. Additional benefits include routine dental, vision, and hearing services, with no copays for annual routine eye and hearing exams. Preventive dental care features no copay up to a $3,000 annual limit, while comprehensive dental services require a 20% to 50% coinsurance. Skilled nursing facility stays are covered with no copay for the first 20 days, and diagnostic lab services are also available with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. Acute stays require a $550 daily copay for days 1-5 and no copay for days 6 and beyond, whereas psychiatric stays require a $550 daily copay for days 1-4 and no copay for days 5-90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay. Outpatient hospital copays range from $0.00 to $550.00, observation services cost a $550.00 daily copay, and outpatient substance abuse sessions require copays between $0.00 and $25.00, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) with a $55 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS), featuring a $275 copay and no coinsurance for both ground and air ambulance services, which require prior authorization. While some transportation services are covered, transportation to plan-approved or any other health-related locations is not covered.
Emergency Services See details
Emergency services are covered under the AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) plan with a $130 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services require a copay of $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 Extras from UHC PA-18 (HMO-POS) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $60 copay with no coinsurance. Therapy and mental health services require copays up to $60 with no coinsurance, and although some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. Additional preventive benefits are partially covered, offering fitness benefits and home safety devices with no copay and no coinsurance, while sub-services like health education, nutritional benefits, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered under the AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) plan, featuring no coinsurance and no copay for one annual routine hearing exam, though fitting and evaluation exams are not covered. Prescription hearing aids have a $199 to $1,249 copay and OTC hearing aids have a $199 to $829 copay (limit two of each per year with no coinsurance), though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) with no deductible or coinsurance, offering no copay for one routine eye exam per year, contact lenses, and eyeglass frames, plus a $0 to $153 copay for eyeglass lenses up to a $300 limit every two years. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS), with implant services and orthodontics excluded from coverage. Preventive services are available with no copay and no coinsurance up to a $3,000 annual limit, while Medicare-covered dental services carry a 20% coinsurance and comprehensive services carry a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. 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 coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Extras from UHC PA-18 (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 under the AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) plan, with prior authorization required for these services. Durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts require a 20% coinsurance and no copay, while diabetic supplies feature no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS), with prior authorization required for these services. Lab services and diagnostic radiology are available with no copay or coinsurance, while outpatient diagnostic procedures require a $50 copay, outpatient X-rays require a $30 copay, and therapeutic radiology services carry a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Extras from UHC PA-18 (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 AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) with no copay and no coinsurance, though 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
AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) covers skilled nursing facility services with no coinsurance and requires no prior three-day inpatient hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and additional days beyond the standard Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS) offers partial coverage for other services, providing over-the-counter items and meals for chronic illnesses with no copay and no coinsurance. Acupuncture and other additional services are not covered, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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