2027 Medicare Advantage plan

AARP Medicare Advantage from UHC AL-0002 (HMO-POS): 2027 benefits and costs

UnitedHealthcare HMO-POS

CMS plan ID: H0432-004-0 · Plan year: 2027

AARP Medicare Advantage from UHC AL-0002 (HMO-POS) is a 2027 Medicare Advantage plan offered by UnitedHealthcare. It is listed in Alabama.

2027 plan costs at a glance

Monthly plan premium$45.00

Drug deductible$685.00

In-network medical out-of-pocket maximum$5,400.00

Organization: UnitedHealthcare
Plan organization: UNITEDHEALTHCARE OF THE MIDLANDS, INC.
Parent company: UnitedHealth Group, Inc.
Plan type: HMO-POS
Part C premium: $0.00
Part D premium: $45.00
Prescription drug coverage: Yes
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)

You must continue to pay your Medicare Part B premium.

In-network medical deductible: None
Combined in/out-of-network medical deductible: None
Out-of-network medical deductible: None
In-network medical maximum: $5,400.00
Combined in/out-of-network medical maximum: Not applicable
Out-of-network medical maximum: Not applicable

2027 benefit summary

Doctor visits and medical care

Common medical services and member costs
Service	In-network	What to know
Primary care doctor	$0.00 copay Service-specific deductible No
Specialist visit	$0.00 to $40.00 copay Service-specific deductible No	Approval required Yes Referral required Yes
Emergency care	$130.00 copay
Urgent care	$0.00 to $50.00 copay
Home health	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Dialysis	20% coinsurance Service-specific deductible No	Approval required Yes Referral required No
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Kidney disease education services	$0.00 copay Service-specific deductible No	Approval required No Referral required No
Medicare-covered chiropractic	$15.00 copay Service-specific deductible No	Approval required Yes Referral required No
Medicare-covered foot care	$40.00 copay Service-specific deductible No	Approval required Yes Referral required No
Other health professionals	$0.00 to $40.00 copay Service-specific deductible No	Approval required Yes Referral required Yes

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
Care	Your share of the cost	What to know
Inpatient hospital stay	$0.00 copay per stay Days 1–6: $455.00 copay per day Days 7–90: $0.00 copay per day	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Inpatient mental health care	$0.00 copay per stay Days 1–5: $455.00 copay per day Days 6–90: $0.00 copay per day	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Skilled nursing facility	Days 1–20: $0.00 copay per day Days 21–100: $221.00 copay per day	Approval required Yes Referral required No Benefit period Original Medicare

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
Service	In-network	What to know
Outpatient hospital care	$0.00 to $455.00 copay Service-specific deductible No
Hospital observation services	$455.00 copay Service-specific deductible No
Ambulatory surgical center	$0.00 to $405.00 copay Service-specific deductible No	Approval required Yes Referral required No
Outpatient blood	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	What to know
Diagnostic procedures and tests	$30.00 copay Service-specific deductible No	Approval required Yes Referral required No
Laboratory services	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Diagnostic radiology (CT, MRI)	$0.00 to $320.00 copay Service-specific deductible No	Approval required Yes Referral required No
Therapeutic radiology	$80.00 copay Service-specific deductible No	Approval required Yes Referral required No
X-rays	$5.00 copay Service-specific deductible No	Approval required Yes Referral required No

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	What to know
Partial hospitalization	$55.00 copay Service-specific deductible No	Approval required Yes Referral required No
Intensive outpatient program	$55.00 copay Service-specific deductible No	Approval required Yes Referral required No
Substance use treatment, individual sessions	$0.00 to $25.00 copay Service-specific deductible No	Approval required Yes Referral required No
Substance use treatment, group sessions	$15.00 copay Service-specific deductible No	Approval required Yes Referral required No
Opioid treatment program	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Mental health, individual sessions	$0.00 to $25.00 copay Service-specific deductible No	Approval required Yes Referral required No
Mental health, group sessions	$15.00 copay Service-specific deductible No	Approval required Yes Referral required No
Psychiatry, individual sessions	$0.00 to $25.00 copay Service-specific deductible No	Approval required Yes Referral required No
Psychiatry, group sessions	$15.00 copay Service-specific deductible No	Approval required Yes Referral required No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	What to know
Occupational therapy	$25.00 copay Service-specific deductible No	Approval required Yes Referral required No
Physical and speech therapy	$25.00 copay Service-specific deductible No	Approval required Yes Referral required No
Cardiac rehabilitation	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Intensive cardiac rehabilitation	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Pulmonary rehabilitation	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Supervised exercise for peripheral artery disease	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	What to know
Ground ambulance	$350.00 copay Service-specific deductible No	Approval required Yes
Air ambulance	$350.00 copay Service-specific deductible No	Approval required Yes
Durable medical equipment	20% coinsurance Service-specific deductible No	Approval required Yes
Prosthetic devices	20% coinsurance Service-specific deductible No	Approval required Yes
Medical supplies	20% coinsurance Service-specific deductible No	Approval required Yes
Diabetic supplies	$0.00 copay Service-specific deductible No	Approval required Yes
Diabetic shoes and inserts	20% coinsurance Service-specific deductible No	Approval required Yes
Diabetic monitors	$0.00 copay Service-specific deductible No	Approval required Yes

Dental benefits

Dental benefits and member costs
Service	In-network	Point-of-service
Medicare-covered dental	20% coinsurance	Not summarized. Check coverage with the plan.
Oral examsAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No Dollar benefit limit applies No
Dental X-raysAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No Dollar benefit limit applies No
Dental cleaningAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No Dollar benefit limit applies No
FluorideAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No Dollar benefit limit applies No
Other preventive dentalAdditional plan benefit	$0.00 copay	$0.00 copay Deductible applies No Dollar benefit limit applies No

Vision benefits

Vision benefits and member costs
Service	In-network	What to know
Medicare-covered eye exams	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Routine eye examsAdditional plan benefit	$0.00 copay	Approval required Yes Referral required No
Medicare-covered eyewear	$0.00 copay Service-specific deductible No	Approval required No Referral required No
Contact lensesAdditional plan benefit	$0.00 copay	Approval required No Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0.00 copay	Approval required No Referral required No

Hearing benefits

Hearing benefits and member costs
Service	In-network	What to know
Medicare-covered hearing exams	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No
Routine hearing examsAdditional plan benefit	$0.00 copay	Approval required Yes Referral required No
Prescription hearing aids (all types)Additional plan benefit	$0.00 copay Service-specific deductible No	Approval required Yes Referral required No

Extra benefits

Extra benefits and member costs
Service	In-network	What to know
Limited-duration mealsAdditional plan benefit	$0.00 copay Service-specific deductible No	Approval required No Referral required No
Annual physical examAdditional plan benefit	$0.00 copay Service-specific deductible No	Approval required No Referral required No
Fitness benefitAdditional plan benefit	$0.00 copay Service-specific deductible No	Approval required No Referral required No

Allowances and optional benefits

Optional packages that cost extra

Dental Platinum Rider $54.00 extra per month

Dental Platinum Rider

The limits below apply only to this optional package.

Do the Optional Supplemental benefits in this package apply to the MOOP for this plan?: No
Deductible applies: No
Included services: Oral Exams; Dental X-Rays; Other Diagnostic Dental Services; Dental cleaning; Fluoride Treatment; Other Preventive Dental Services; Restorative dental care; Root canal treatment (endodontics); Gum treatment (periodontics); Removable dentures (prosthodontics); Maxillofacial Prosthetics; Fixed dental restorations (prosthodontics); Oral and Maxillofacial Surgery; Adjunctive General Services; POS: POS option

Prescription drug coverage

Costs shown are for initial coverage.

Drug deductible exceptions: Tier 1; Tier 2 are exempt from the deductible.

Standard retail costs

Standard retail: initial-coverage cost per prescription fill
Drug tier	30 days	100 days
Tier 1Preferred Generic	$0.00	$0.00
Tier 2Generic	$0.00	$0.00
Tier 3Preferred Brand	21%	21%
Tier 4Non-Preferred Drug	27%	Not listed
Tier 5Specialty Tier	26%	Not listed

Mail-order and other pharmacies

Out-of-network pricing: You pay the standard retail copay or coinsurance, plus any difference between the pharmacy’s billed charge and the amount the plan allows at a standard retail pharmacy.

Standard mail order costs

Standard mail order: initial-coverage cost per prescription fill
Drug tier	30 days	100 days
Tier 1Preferred Generic	Not listed	$0.00
Tier 2Generic	Not listed	$0.00
Tier 3Preferred Brand	Not listed	21%
Tier 4Non-Preferred Drug	27%	Not listed
Tier 5Specialty Tier	26%	Not listed

Long-term care pharmacy costs

Long-term care pharmacy: initial-coverage cost per prescription fill
Drug tier	31 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$0.00
Tier 3Preferred Brand	21%
Tier 4Non-Preferred Drug	27%
Tier 5Specialty Tier	26%

Out-of-network pharmacy costs

Out-of-network pharmacy: initial-coverage cost per prescription fill
Drug tier	30 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$0.00
Tier 3Preferred Brand	21%
Tier 4Non-Preferred Drug	27%
Tier 5Specialty Tier	26%

Drug coverage rules and exceptions

Tier 1: Preferred Generic

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 2: Generic

Drugs included in this tier: Both Part D and Excluded Drugs
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 3: Preferred Brand

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 4: Non-Preferred Drug

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 5: Specialty Tier

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Initial-coverage prices also apply to drugs exempt from the deductible: Yes

Special cost protections apply to covered insulin and recommended adult vaccines.

Where this plan is offered

CMS lists this plan in 1 state or territory. Availability can vary by county and ZIP code.

View all locations 66 county listings across 1 state or territory