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AARP Medicare Advantage Patriot No Rx SC-MA01 (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 SC-MA01 (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 SC-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of South Carolina. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx SC-MA01 (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 SC-MA01 (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 SC-MA01 (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 $150.00. 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:
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) offers comprehensive medical coverage featuring no copays and no coinsurance for primary care visits, preventive services, and home health care. For hospital stays, members pay a daily copay of $435 for the first few days of inpatient care, while emergency services require a $130 copay that is waived upon admission. Specialist visits and physical therapy are also highly accessible, requiring low copays and no coinsurance. This plan also includes valuable everyday health benefits, such as routine vision and hearing exams with no copays, alongside coverage for eyewear and hearing aids. Preventive dental care like cleanings and exams is fully covered with no copay, while medical equipment and dialysis services generally require a 20% coinsurance. Additionally, laboratory tests, cardiac rehabilitation, and home infusion services are available with no copay to help keep your healthcare affordable.
Inpatient Hospital See details
Inpatient Hospital care under the AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) plan has no coinsurance, but requires a $435 copay for days 1 to 6 for acute stays and days 1 to 5 for psychiatric stays, with no copay for subsequent days. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) covers outpatient services with no coinsurance, including no copays for ambulatory surgical center and blood services. Copays range from $0 to $435 for outpatient hospital and observation services, and up to $25 for outpatient substance abuse sessions, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, which requires prior authorization. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) 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 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
AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Physical, occupational, and speech therapies require a $50 to $55 copay and no coinsurance, whereas chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and select screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered, providing a fitness benefit with no copay or coinsurance, but excluding services like health education, weight management, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered under the AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) plan, which offers one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Prescription hearing aids are covered up to two per year with no coinsurance and copays ranging from $199.00 to $1,249.00, though inner ear, outer ear, and over-the-ear types are not covered. OTC hearing aids are also covered up to two per year with no coinsurance and a copay of $199.00 to $829.00.
Vision Services See details
AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) partially covers vision services with no deductible, offering one routine eye exam per year and contact lenses or eyeglass frames with no copay or coinsurance. Eyeglass lenses are covered with no coinsurance and a copay of $0 to $153 up to a $200 combined limit every two years, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS), featuring preventive care like exams and cleanings with no copay and no coinsurance. Medicare-covered dental services have no copay and a 20% coinsurance, but comprehensive services including restorative, endodontics, periodontics, prosthodontics, implants, and oral surgery are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including insulin, chemotherapy, and radiation, carry no coinsurance to 20% coinsurance, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx SC-MA01 (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
Medical equipment, including durable medical equipment (DME), prosthetics, and diabetic supplies, is covered under the AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) plan, with prior authorization required for all services. Diagnostic procedures and tests have a $50 copay and lab services have no copay, with both featuring no coinsurance. Radiological services include diagnostic radiology with copays starting at $0, outpatient X-rays with a $30 copay and coinsurance, and therapeutic radiology with a minimum 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered with no copay and no coinsurance under the AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) plan, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by the AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) plan with no coinsurance, requiring prior authorization but no prior three-day hospital stay. You will pay 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
Other services are partially covered by the AARP Medicare Advantage Patriot No Rx SC-MA01 (HMO-POS) plan, which includes a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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