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AARP Medicare Advantage Extras from UHC DE-6 (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 DE-6 (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 DE-6 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in State of Delaware. 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 DE-6 (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 DE-6 (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 DE-6 (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 DE-6 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) plan features an annual drug deductible of $600. For prescription drug coverage, Tier 1 preferred generic drugs have no copay for standard pharmacy fills and preferred mail orders. Tier 2 generic drugs cost $8 for a one-month supply at standard pharmacies, but you pay no copay for a three-month supply when using preferred mail order. Higher tier prescription drugs transition to coinsurance costs under this plan. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs have a 40% coinsurance. Tier 5 specialty drugs are covered with a 26% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) plan offers comprehensive medical coverage with predictable out-of-pocket costs, including no copay and no coinsurance for primary care visits, telehealth, home health, and routine preventive services. For more specialized care, members will pay a $550 daily copay for the first few days of inpatient hospital stays, while specialist visits require copays ranging up to $45. Emergency room visits carry a $130 copay, which is waived upon admission, while ambulance services require a $290 copay. This plan also features robust supplemental benefits, including routine vision and hearing exams with no copay, a $300 eyewear allowance every two years, and up to a $4,000 annual dental benefit. While preventive dental care has no copay, comprehensive dental services require a 50% coinsurance, and durable medical equipment and dialysis require a 20% coinsurance. Additionally, skilled nursing facility stays feature no copay for the first 20 days, followed by a $218 daily copay.
Inpatient Hospital See details
Inpatient Hospital benefits under the AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) are partially covered with no coinsurance, requiring a $550 daily copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, followed by no copay for remaining covered days. Prior authorization is required, and facility upgrades, non-Medicare-covered stays, and additional psychiatric days beyond 90 days are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital and daily observation services require a copay ranging from $0 to $550, while outpatient substance abuse sessions have a copay of $0 to $25 for individual therapy and $15 for group therapy.
Partial Hospitalization See details
AARP Medicare Advantage Extras from UHC DE-6 (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 Extras from UHC DE-6 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Extras from UHC DE-6 (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 feature a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) offers primary care physician visits and telehealth services with no copay and no coinsurance. Specialist visits, physical therapies, and mental health services are covered with copays ranging from $0 to $45 and no coinsurance, though chiropractic services are only partially covered as routine care is excluded.
Preventive Services See details
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) provides preventive services, including annual physical exams, kidney disease education, glaucoma screenings, and diabetes training, with no copays and no coinsurance. Fitness benefits and home safety devices are also covered at no cost, though other additional preventive services like health education, nutritional counseling, and in-home support are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS), featuring one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two prescription hearing aids (copays of $199 to $1,249) and up to two OTC hearing aids (copays of $199 to $829) per year with no coinsurance, but specific prescription types like inner ear, outer ear, and over-the-ear aids are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS), offering one annual routine eye exam with no copay and no coinsurance. Eyewear is covered with no coinsurance up to a $300 limit every two years, featuring no copay for contact lenses and frames, and a $0 to $153 copay for lenses, while other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) offers partially covered dental services with an annual maximum benefit of $4,000. Covered preventive services have no copay and no coinsurance, comprehensive services have no copay and a 50% coinsurance, and Medicare-covered dental has no copay and a 20% coinsurance, while implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) with no copay, although prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs incur no coinsurance to 20% coinsurance, while Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, medical supplies, and diabetic services, with prior authorization required. Covered DME, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts feature no copay and a 20% coinsurance, while diabetic supplies are covered with no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS), with prior authorization required. Diagnostic tests require a $50 copay and no coinsurance, lab services and diagnostic radiological services have no copay, outpatient X-rays require a $30 copay, and therapeutic radiological services require a 20% minimum coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) plan. In practice, none of the sub-services are covered, including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Extras from UHC DE-6 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and meal benefits for chronic illnesses 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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