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AARP Medicare Advantage from UHC GA-5 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC GA-5 (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 GA-5 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC GA-5 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Select Counties in Georgia. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC GA-5 (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 GA-5 (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 GA-5 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $19.00. 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 $520.00 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 $10100.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $10100.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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 $10100.00 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
The AARP Medicare Advantage from UHC GA-5 (HMO-POS) plan features an annual drug deductible of $520. Under this plan, you will enjoy no copay for Tier 1 preferred generic drugs at standard pharmacies and through mail order. Tier 2 generic medications cost a $14 copay for a one-month supply at standard pharmacies, though you can secure a three-month supply with no copay when using preferred mail order. For higher-tier prescriptions, cost-sharing is based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs carry a 35% coinsurance. Tier 5 specialty medications require a 27% coinsurance for a one-month supply at standard pharmacies and through mail order.
Additional Benefits
The AARP Medicare Advantage from UHC GA-5 (HMO-POS) plan offers robust medical coverage featuring no copays for primary care visits, annual physicals, and routine eye and hearing exams. Specialist visits require a copay of up to $55, while emergency room care has a $130 copay that is waived if you are admitted. For inpatient hospital stays, members pay a $550 daily copay for the first few days, after which there is no copay for subsequent days. For ancillary care, members enjoy preventive dental services, home health visits, and over-the-counter items with no copay or coinsurance. Durable medical equipment, dialysis services, and Medicare-covered dental care require a 20% coinsurance with no copay. Additionally, the plan covers prescription hearing aids and eyewear with various copays and no coinsurance, helping keep your out-of-pocket expenses predictable.
Inpatient Hospital See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $550 daily copay for days 1-5 of acute stays and days 1-4 of psychiatric stays, with no copay for subsequent days. Non-Medicare-covered stays and upgrades are not covered under these benefits.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital and observation services require copays ranging from $0 to $550, while outpatient substance abuse sessions carry copays of $0 to $25, with prior authorization required.
Partial Hospitalization See details
AARP Medicare Advantage from UHC GA-5 (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 from UHC GA-5 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required and the copay is not waived upon hospital admission. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC GA-5 (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 have a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) offers primary care and telehealth services with no copay, while specialist visits range from a $0 to $55 copay, all with no coinsurance. Physical, occupational, and speech therapy services require a $50 copay with no coinsurance, but chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no copay and no coinsurance for annual physical exams, fitness benefits, home safety devices, kidney disease education, glaucoma screenings, and diabetes training. This benefit is partially covered, excluding health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Prescription hearing aids are covered with no coinsurance and copays ranging from $199.00 to $1,249.00 for up to two devices per year, though inner ear, outer ear, and over-the-ear types are not covered. Up to two OTC hearing aids per year are also covered with no coinsurance and copays between $199.00 and $829.00.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no deductibles, featuring no copay and no coinsurance for annual routine eye exams and contact lenses. Covered eyeglass lenses (copays from $0 to $153, no coinsurance) and frames (no copay, no coinsurance) are subject to a $300 combined maximum benefit every two years, while other eye exams, combined eyeglasses, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS), featuring Medicare-covered dental services with no copay and a 20% coinsurance, alongside preventive care like exams, cleanings, x-rays, and fluoride with no copay and no coinsurance. However, orthodontic, restorative, endodontic, periodontic, prosthodontic, implant, and oral surgery services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and radiation, carry no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS), which provides durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are available with no copay, while diabetic therapeutic shoes or inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no coinsurance, though prior authorization is required. Lab services and diagnostic radiological services have no copay, while diagnostic tests cost $5, outpatient X-rays cost $25, and therapeutic radiological services carry a copay starting at $80.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC GA-5 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no copay and no coinsurance, but in practice, some services are covered while 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 AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard 100 Medicare-covered days are not covered.
Other Services See details
Other Services are partially covered under the AARP Medicare Advantage from UHC GA-5 (HMO-POS) plan, as acupuncture is not covered. Over-the-counter (OTC) items and chronic illness meal benefits are fully covered with no copay and no coinsurance, though prior authorization is required for the meal benefit.
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