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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 $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 $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 has an annual drug deductible of $520. Under this plan, Tier 1 preferred generic drugs have no copay for standard pharmacy fills or mail orders. Tier 2 generic drugs carry a $14 copay for a 1-month supply at standard pharmacies, though a 3-month supply through preferred mail order has no copay. Higher-tier medications require coinsurance instead of flat copays. Tier 3 preferred brand drugs are subject to a 16% coinsurance for both standard pharmacies and mail-order options. Tier 4 non-preferred drugs require a 35% coinsurance, and Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC GA-5 (HMO-POS) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care, telehealth, and routine preventive services. For acute inpatient hospital stays, members pay a $455 copay per day for days 1 through 6, followed by no copay for the remaining days of their stay. Specialist visits require a copay ranging from $0 to $50, while emergency room visits incur a $130 copay, which is waived if the member is admitted within 24 hours. In addition to core medical care, this plan provides valuable coverage for routine dental, vision, and hearing services with no copays or coinsurance for annual exams. Major medical services like durable medical equipment and dialysis require a 20% coinsurance with no copay, while eligible prescription hearing aids have copays ranging from $199 to $1,249. Eyewear is also covered with no copay for contact lenses and frames, up to a $300 limit every two years.
Inpatient Hospital See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) covers inpatient hospital care with no coinsurance, requiring a $455 copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, followed by no copay for remaining covered days. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital and observation services require copays ranging from $0 to $455, while outpatient substance abuse sessions have copays up to $25, with prior authorization required for most services.
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, while transportation services to health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) covers emergency services with a $130 copay (waived if admitted to the hospital within 24 hours) and no coinsurance. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays or coinsurance.
Primary Care See details
Primary care and telehealth services are covered under AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no copay and no coinsurance. Specialist visits range from a $0 to $50 copay, therapy services require a $50 copay, and mental health services carry a $0 to $25 copay, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered benefits, which include annual physicals, fitness benefits, kidney education, glaucoma screenings, and diabetes self-management. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS), which features one annual routine hearing exam with no copay and no coinsurance, but excludes coverage for fitting/evaluation exams as well as inner ear, outer ear, and over the ear prescription hearing aids. Eligible prescription hearing aids require a copay of $199 to $1,249, and OTC hearing aids require a copay of $199 to $829, both with no coinsurance and a limit of two devices per year.
Vision Services See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) partially covers vision services with no deductible and no coinsurance, including one routine eye exam per year with no copay. Covered eyewear has a $300 combined limit every two years and includes contact lenses and eyeglass frames with no copay, and eyeglass lenses with a $0 to $153 copay, while other eye exams, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) offers partial dental coverage with no copay and no coinsurance for preventive services like exams, cleanings, fluoride, and x-rays. Medicare-covered dental services require no copay and a 20% coinsurance, while restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and other infusion drugs, are covered with a 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC GA-5 (HMO-POS) plan 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 GA-5 (HMO-POS) covers medical equipment, featuring no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC GA-5 (HMO-POS), with prior authorization required for both. Diagnostic tests have a $55 copay with no coinsurance, lab services and diagnostic radiology have no copay, 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 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) plan with no copay and no coinsurance. However, only some services are covered in practice, while cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior hospital stay requirement, though prior authorization is required. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC GA-5 (HMO-POS) provides partial coverage for other services, offering over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Prior authorization is required for the meal benefit, while acupuncture and other additional services are not covered.
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