A non-government entity
AARP Medicare Advantage from UHC IA-1 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IA-1 (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 IA-1 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IA-1 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Select Counties in Iowa. 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 IA-1 (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 IA-1 (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 IA-1 (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 $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:
Sign up for AARP Medicare Advantage from UHC IA-1 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC IA-1 (HMO-POS) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs have a $10 copay for a 1-month supply at standard pharmacies, though you can get a 3-month supply with no copay using preferred mail order. Brand-name and specialty medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs have a 40% coinsurance for a 1-month supply. Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply across standard pharmacy and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC IA-1 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care doctor visits, telehealth services, and routine preventive care. For emergency situations, there is a $130 copay that is waived if you are admitted, while inpatient hospital stays require a $550 copay for the first few days and no copay for subsequent days. Outpatient services like ambulatory surgical centers and home health care are also available with no copay. This plan also includes valuable supplemental benefits, featuring no copay or coinsurance for routine dental cleanings, annual eye exams, and routine hearing tests. While comprehensive dental is not covered, you can access hearing aids and eyeglasses with affordable copays and no coinsurance. Additionally, members benefit from no copay for the first 20 days in a skilled nursing facility and no copay for over-the-counter items.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IA-1 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $550 copay for days 1 through 5 of acute stays and a $550 copay for days 1 through 4 of psychiatric stays, with no copay for subsequent covered days. This benefit is partially covered, as room upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC IA-1 (HMO-POS) with no coinsurance across all benefits. While outpatient hospital services carry a copay of $0 to $550 and observation services require a $550 daily copay, there is no copay for ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IA-1 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the AARP Medicare Advantage from UHC IA-1 (HMO-POS) plan, which features a $290 copay and no coinsurance for both ground and air ambulance services. While transportation is technically covered, some services are covered but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC IA-1 (HMO-POS) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay ranging from no copay to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits for the AARP Medicare Advantage from UHC IA-1 (HMO-POS) plan feature no copay and no coinsurance for primary care doctor visits, telehealth services, and mental health sessions. Specialist visits and therapy services require copays ranging from $0 to $55 with no coinsurance, while routine chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC IA-1 (HMO-POS) with no copay and no coinsurance for annual physical exams, kidney disease education, and diabetes self-management. While supplemental fitness benefits and home safety devices are also covered with no copay and no coinsurance, other options 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 from UHC IA-1 (HMO-POS), featuring routine hearing exams with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids (copays from $199.00 to $1,249.00) and OTC hearing aids (copays from $199.00 to $829.00) are covered with no coinsurance, but inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC IA-1 (HMO-POS) partially covers vision services, featuring one routine eye exam per year and contact lenses with no copay or coinsurance. Eyeglass frames and lenses are covered with no coinsurance and copays ranging from $0 to $153 up to a $150 limit every two years, though other eye exams and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC IA-1 (HMO-POS) offers partially covered dental services, featuring Medicare-covered dental with no copay and a 20% coinsurance. Preventive care like exams, cleanings, and x-rays are covered with no copay and no coinsurance, but comprehensive services such as restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC IA-1 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Associated Medicare Part B chemotherapy 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 by AARP Medicare Advantage from UHC IA-1 (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 from UHC IA-1 (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 and no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC IA-1 (HMO-POS), with lab services requiring no copay and diagnostic tests requiring a $5 copay, both with no coinsurance. Diagnostic radiology services have copays starting at $0, outpatient X-rays require a $30 copay, and therapeutic radiology services require a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC IA-1 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by AARP Medicare Advantage from UHC IA-1 (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 from UHC IA-1 (HMO-POS) covers Skilled Nursing Facility (SNF) services 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 copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC IA-1 (HMO-POS), as acupuncture is not covered. Covered benefits include over-the-counter (OTC) items and a chronic illness meal benefit, both of which are offered with no copay and no coinsurance.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved