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AARP Medicare Advantage Patriot No Rx OK-MA2 (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 OK-MA2 (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 OK-MA2 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 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 Patriot No Rx OK-MA2 (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 OK-MA2 (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 OK-MA2 (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 $125.00. 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 OK-MA2 (HMO-POS)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth, and preventive services. For inpatient hospital stays, members pay a $550 daily copay for the first few days and no copay for subsequent days, while emergency room visits carry a $130 copay that is waived upon admission. Diagnostic services and home health care are highly accessible, featuring no coinsurance and mostly no copays for key services. This plan also provides robust coverage for essential specialty services, including routine dental, vision, and hearing exams with no copays. While prescription hearing aids and eyewear have varying copays, preventive dental services are fully covered up to a $1,500 annual limit. Additionally, durable medical equipment and dialysis services require a 20% coinsurance with no copay, ensuring predictable out-of-pocket costs for critical medical needs.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring prior authorization for both acute and psychiatric stays. Medicare-covered acute stays require a $550 daily copay for days 1 to 5 (with no copay for days 6 and beyond), and psychiatric stays require a $550 daily copay for days 1 to 4 (with no copay for days 5 to 90), but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $550 copay for outpatient hospital services and a $550 daily copay for observation services. Ambulatory surgical and blood services have no copay, while outpatient substance abuse services carry no coinsurance and copays ranging from no copay to $25 per session.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (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
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, with prior authorization required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (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 range from no copay to a $50 copay 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 Patriot No Rx OK-MA2 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance. While some chiropractic services are covered, routine and other chiropractic services are not, and other specialist, therapy, and mental health services require copays ranging from $0 to $55 with no coinsurance.
Preventive Services See details
Preventive Services are partially covered by the AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) plan with no copay and no coinsurance for covered services, including annual physical exams, kidney disease education, fitness benefits, and glaucoma screenings. However, several supplemental benefits are not covered, such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) with no coinsurance and no copay for one annual routine exam, though hearing aid fitting/evaluation and inner ear, outer ear, and over the ear prescription hearing aids are not covered. Eligible members can receive up to two prescription hearing aids per year with a copay of $199 to $1,249 and no coinsurance, or up to two OTC hearing aids per year with a copay of $199 to $829 and no coinsurance.
Vision Services See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) offers partially covered vision services with no deductibles and no coinsurance, including one routine eye exam per year with no copay. Eyewear is also partially covered with no coinsurance and a $150 limit every two years, featuring no copay for contacts and frames, and a $0 to $153 copay for lenses, while other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS), with implant services and orthodontics not covered. Preventive services have no copay and no coinsurance up to a $1,500 annual limit, while Medicare-covered dental services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
The AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) plan covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require a 0% to 20% coinsurance, while covered Part B insulin has a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and 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
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) covers diagnostic services with no coinsurance, featuring a $50 copay for diagnostic tests and no copay for lab services. Covered radiological services require prior authorization and include a $30 copay with coinsurance for X-rays, a minimum 20% coinsurance for therapeutic radiology, and no copay for diagnostic radiology.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required for these services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard 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 Patriot No Rx OK-MA2 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring 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 for admission, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx OK-MA2 (HMO-POS) partially covers other services, offering a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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