AARP Medicare Advantage (HMO-POS)

AARP Medicare Advantage (HMO-POS) is a plan offered by AARP through UnitedHealthcare. It includes Medicare Part D prescription drug coverage plus other benefits not included with Original Medicare.

Terry Turner, writer and researcher for RetireGuide
  • Written by
    Terry Turner

    Terry Turner

    Senior Financial Writer and Financial Wellness Facilitator

    Terry Turner has more than 30 years of journalism experience, including covering benefits, spending and congressional action on federal programs such as Social Security and Medicare. He is a Certified Financial Wellness Facilitator through the National Wellness Institute and the Foundation for Financial Wellness and a member of the Association for Financial Counseling & Planning Education (AFCPE®).

    Read More
  • Edited By
    Lamia Chowdhury
    Lamia Chowdhury, editor for RetireGuide.com

    Lamia Chowdhury

    Financial Editor

    Lamia Chowdhury is a financial content editor for RetireGuide and has over three years of marketing experience in the finance industry. She has written copy for both digital and print pieces ranging from blogs, radio scripts and search ads to billboards, brochures, mailers and more.

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  • Published: September 9, 2022
  • Updated: September 15, 2022
  • 6 min read time
  • This page features 4 Cited Research Articles
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How to Cite RetireGuide.com's Article

APA Turner, T. (2022, September 15). AARP Medicare Advantage (HMO-POS). RetireGuide.com. Retrieved September 30, 2022, from https://www.retireguide.com/medicare/medicare-advantage-plans/compare/h4590-043/

MLA Turner, Terry. "AARP Medicare Advantage (HMO-POS)." RetireGuide.com, 15 Sep 2022, https://www.retireguide.com/medicare/medicare-advantage-plans/compare/h4590-043/.

Chicago Turner, Terry. "AARP Medicare Advantage (HMO-POS)." RetireGuide.com. Last modified September 15, 2022. https://www.retireguide.com/medicare/medicare-advantage-plans/compare/h4590-043/.

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AARP Medicare Advantage (HMO-POS) CMS Star Ratings

AARP Medicare Advantage (HMO-POS) is a highly rated Medicare Advantage plan that includes prescription drug coverage. It is offered through AARP and UnitedHealthcare and is among the highest rated plans available based on the CMS Star Rating system.

2022 Overall Rating - 5 Stars

The CMS Star Rating is based in part on various surveys, complaints and other beneficiary feedback conducted by or shared with the U.S. Centers for Medicare & Medicaid Services. One star is poor while five stars represents excellent.

The plan is an HMO-POS, which stands for a health maintenance organization with a point-of-service option. This means it provides a network of doctors, hospitals and other health care providers you can choose from to receive services.

As part of your coverage, you will have to select a primary care doctor from within the provided network. But you can use other providers from outside the plan’s network. Your Medicare deductibles and other out-of-pocket costs will vary depending on whether you use in-network or out-of network health care.

AARP Medicare Advantage (HMO-POS) Health Plan Rating

The AARP Medicare Advantage (HMO-POS) health plan has a five-star rating from Medicare.

Health Plan Rating - 5 Stars

The plan received five-star ratings on 19 out of 33 criteria Medicare uses to rate plans.

AARP Medicare Advantage (HMO-POS) Health Plan 5-Star Highlights
  • Annual medication review
  • Breast cancer screening
  • Colorectal cancer screening
  • Coordination of members’ health care services
  • Diabetes-related control of blood sugar
  • Diabetes-related eye exams
  • Diabetes-related kidney testing
  • Fairness in appeals of plan decisions (based on an independent reviewer)
  • Health plan customer service
  • Low number of complaints about the plan
  • Low number of members switching from the plan
  • Member rating of health plan
  • Members’ experience with the plan
  • Members rating of health care quality
  • Pain management and yearly pain screening
  • Screenings, tests and vaccines
  • Timely decisions about appeals
  • TTY and foreign language interpreters for members calling the plan

The plan’s lowest ratings was three-stars on four categories.

AARP Medicare Advantage (HMO-POS) Health Plan 3-Star Ratings
  • Fall reduction
  • Improvement — if any — in the plan’s performance
  • Improving bladder control
  • Rheumatoid arthritis management

AARP Medicare Advantage (HMO-POS) Drug Plan Rating

The AARP Medicare Advantage (HMO-POS) has a five-star rating for its Medicare Part D prescription drug coverage.

Prescription Drug Plan Rating - 5 Stars

It received five-star ratings on nine of the 16 categories.

AARP Medicare Advantage (HMO-POS) Drug Plan 5-Star Ratings
  • Drug plan customer service
  • Improvements — if any — to the plan’s performance
  • Low number of member complaints
  • Low number of member complaints and changes in the plan’s performance
  • Low number of members switching from the plan
  • Making sure members are taking the most effective cholesterol control medications
  • Member experience with the plan
  • Member rating of the drug plan
  • TTY and foreign language interpreters for calls to the plan

Costs and Coverage

The AARP Medicare Advantage (HMO-POS) is a no-premium Medicare Advantage plan. Even though it charges no monthly premium, you are still responsible for the monthly Medicare Part B premium — $170.10 in 2022.

It includes prescription and over-the-counter drug coverage along with dental and vision services and a fitness program. Members also have access to the UnitedHealthcare Medicare National Network.

Example of AARP Medicare Advantage (HMO-POD) Basic Costs, 2022
SERVICEIN-NETWORK
Health Plan DeductibleN/A
Drug Plan Deductible$0
Tier 1 Prescription Drugs$3 copay
Health Plan Premiums$0
Drug Plan Premium$0
Maximum Out-of-Pocket (in-network)$3,900
Catastrophic coverage limit$7,050
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Health Care Services and Durable Medical Equipment (DME) Coverage

The AARP Medicare Advantage (HMO-POS) benefits for health care services and durable medical equipment covers everything that Original Medicare covers. It also provides additional services, though exact out-of-pockets may vary.

Examples of Services and DME Coverage
BENEFIT OUT-OF-POCKET COSTS (IN-NETWORK)
Ambulance services $250 copay (applies to both ground and air ambulances)
Ambulatory surgical center$0 - $100 copay
Diabetes monitoring supplies$0 copay for covered brands
Diagnostic tests and procedures$20 copay
Diagnostic radiology services (CT, MRI, X-rays)$0 - $120 copay
Doctor visits (primary care)$0 copay
Specialist visits$20 copay (referral required and must be in-network)
Virtual medical visits$0 copay
Durable medical equipment20% coinsurance
Emergency room visits$90 copay (worldwide coverage)
Urgent care visits$40 copay (worldwide coverage)
Inpatient hospital careDays 1 - 5: $195 per day $0 copay per day for unlimited days after that
Home health care$0 copay
Source: AARP Medicare Plans

You should consider out-of-pocket costs for the types of services you need when you compare Medicare Advantage plans.

Dental, Vision and Hearing Benefits

The AARP Medicare Advantage (HMO-POS) plan covers a wide range of services that Original Medicare does not cover. Most Medicare Advantage plans cover vision, dental or hearing services, but this plan includes additional services.

Examples of Services and DME Coverage*
BENEFITOUT-OF-POCKET COSTS IN-NETWORK OUT-OF-POCKET COSTS OUT-OF-NETWORK
Annual routine physical$0 copayNo coverage
Dental services (comprehensive and preventative)Up to $1,000 limit on annual preventive and comprehensive dental servicesCheck with plan for out-of-network benefits
Eye exam$0 copay One exam per year No coverage
Eyewear$0 copay up to $200 per year for frames or contact lenses. Standard lenses covered in full. Select home delivered eyewear available through UnitedHealthcare Vision $0 copay up to $200 per year for frames or contact lenses. Standard lenses covered in full. Select home delivered eyewear available through UnitedHealthcare Vision
Fitness program (Renew Active)Basic membership at a national network location included in enrollmentBasic membership at a national network location included in enrollment
Hearing aids$375 - $1,425 copay for each hearing aid provided through UnitedHealthcare Hearing (up to two hearing aids per year)$375 - $1,425 copay for each hearing aid provided through UnitedHealthcare Hearing (up to two hearing aids per year)
Hearing exam$0 copayNo coverage
Over-the-counter (OTC) drugs and other OTC items$40 credit per quarter on approved OTC products$40 credit per quarter on approved OTC products
Routine foot care$20 copayNo coverage
Source: AARP Medicare Plans

Prescription Drug Costs and Coverage

The AARP Medicare Advantage (HMO-POS) formulary features six tiers of prescription drugs — including a second Tier 3 specifically for insulin drugs. It covers three copay options — a 30-day supply through a network pharmacy and 90-day supplies through the plans preferred mail order pharmacy or standard mail order.

Copays by Tier, Supply and Pharmacy, 2022
Tier1 Month Standard Network Pharmacy 3 Month Preferred Mail Order Pharmacy* 3 Month Standard Mail Order Pharmacy
Tier 1 Preferred Generic$3$0$0
Tier 2 Generic$10$0$30
Tier 3 Preferred Brand Name$45$125$135
Tier 3 Select Insulin Drugs$35$95$105
Tier 4 Non- Preferred Drugs $95$275$285
Tier 5 Specialty Drugs33% of costN/AN/A
Source: AARP Medicare Plans
*The preferred mail order pharmacy for the plan is OptumRx.

During your coverage gap, you will pay 25% of the cost (plus the dispensing fee) for both generic and brand name drugs until you reach the coverage gap: $7,050 of year-to-date out-of-pocket spending.

After you hit that limit, you will be responsible for a $3.95 copay for generics and a $9.85 copay for brand name drugs — or 5% of the cost, whichever is greater. The limit resets on Jan. 1 each year.

Last Modified: September 15, 2022

4 Cited Research Articles

  1. U.S. Centers for Medicare & Medicaid Services. (2022, April 29). CY 2023 Medicare Advantage and Part D Final Rule (CMS-4192-F). Retrieved from https://www.cms.gov/newsroom/fact-sheets/cy-2023-medicare-advantage-and-part-d-final-rule-cms-4192-f
  2. U.S. Centers for Medicare & Medicaid Services. (n.d.). Medicare Costs at a Glance. Retrieved from https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance
  3. U.S. Centers for Medicare & Medicaid Services. (n.d.). Your Medicare Costs. Retrieved from https://www.medicare.gov/your-medicare-costs
  4. U.S. Centers for Medicare & Medicaid Services. (n.d.). 2022 Medicare Costs. Retrieved from https://www.medicare.gov/Pubs/pdf/11579-medicare-costs.pdf