AARP Medicare Advantage from UHC RI-0001 (HMO-POS)

by UnitedHealthcareⓇ

2026 Medicare Advantage plan available in Rhode Island

Plan ID H5253-148-0

Additional coverage:

RxHearingVisionDental

Medicare Advantage HMO 4.0 Overall

Monthly plan premium $35 / mo

Annual deductible $0 / yr

Max out-of-pocket · in-network $4,500 / yr

Drug deductible $355 / yr

4.0 Overall Government Star Rating 2026 · out of 5 stars

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Plan Overview

AARP Medicare Advantage from UHC RI-0001 (HMO-POS) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Rhode Island and offered by the health insurance company UnitedHealthcareⓇ. This plan's network type is HMO, which determines the in-network doctors who accept the plan and whether a referral is needed.

Plan Name AARP Medicare Advantage from UHC RI-0001 (HMO-POS)

Insurance Carrier UnitedHealthcareⓇ

Plan Type Medicare Advantage Plan With Part D Prescription Drug Coverage

Network Type HMO

Cost Summary

AARP Medicare Advantage from UHC RI-0001 (HMO-POS) has a monthly premium cost of $35 per month, with an annual deductible of $0 and a maximum out-of-pocket cost sharing of $4,500. The most common costs people evaluate when choosing a plan are listed here; a full list of benefit costs is defined below.

Monthly Premium $35 / mo

Health portion of premium $0

Drug portion of premium $35

Annual Deductible $0 / yr

Max Out-of-Pocket · in-network $4,500 / yr

Primary doctor visit $0 copay

Specialist visit $0-$30 copay

ER visit $130 copay

Ambulance $275 copay

Additional Benefits and Coverage

AARP Medicare Advantage from UHC RI-0001 (HMO-POS) is a Medicare Advantage plan which includes Medicare Part D prescription drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. AARP Medicare Advantage from UHC RI-0001 (HMO-POS) includes coverage for hearing, vision, dental.

Part D Prescription Drug Coverage Yes

Dental Yes

Vision Yes

Hearing Yes

Nationwide Coverage No

Other benefits

Fitness benefit Limited coverage

Over-the-counter drug benefits Limited coverage

In-home support services Not covered

Home & bathroom safety devices Limited coverage

Meals for short duration Limited coverage

Annual physical exams Limited coverage

Telehealth Limited coverage

Medical Benefits

Doctor Services

Primary doctor visit In-network: $0 copay
Out-of-network: $0 copay

Specialist visit In-network: $0-$30 copay
Out-of-network: $0-$30 copay

Tests, labs & imaging

Diagnostic tests & procedures In-network: $50 copay
Out-of-network: $50 copay

Lab services In-network: $0 copay
Out-of-network: $0 copay

Diagnostic radiology services (like MRI) In-network: $0-$160 copay
Out-of-network: $0-$160 copay

Outpatient x-rays In-network: $30 copay
Out-of-network: $30 copay

Emergency care $130 copay

Urgent care $0-$50 copay

Hospital Services

Inpatient hospital coverage In-network:
  Tier 1
  $345 per day for days 1-6
  $0 per day for days 7-90
  $0 per stay

Outpatient hospital coverage In-network: $0-$345 copay
Out-of-network: $0-$345 copay

Skilled nursing facility

Skilled nursing facility In-network:
  Tier 1
  $0 per day for days 1-20
  $218 per day for days 21-100
Out-of-network:
  $ per stay

Preventive services

Preventive services In-network: $0 copay
Out-of-network: $0 copay

Ambulance

Ground ambulance In-network: $275 copay
Out-of-network: $275 copay

Therapy services

Occupational therapy visit In-network: $25 copay
Out-of-network: $25 copay

Physical therapy & speech & language therapy visit In-network: $25 copay
Out-of-network: $25 copay

Mental health services

Outpatient group therapy with a psychiatrist In-network: $15 copay
Out-of-network: $15 copay

Outpatient individual therapy with a psychiatrist In-network: $0-$25 copay
Out-of-network: $0-$25 copay

Outpatient group therapy visit In-network: $15 copay
Out-of-network: $15 copay

Outpatient individual therapy visit In-network: $0-$25 copay
Out-of-network: $0-$25 copay

Opioid treatment services

Opioid treatment services Covered

Other services

Durable medical equipment (like wheelchairs & oxygen) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Prosthetics (like braces, artificial limbs) In-network: 20% coinsurance
Out-of-network: 20% coinsurance

Diabetes supplies In-network: $0 copay
Out-of-network: $0 copay

Prescription drugs (Part D benefits)

Drug tier standard retail · 1-month supply Initial coverage Catastrophic

Preferred Generic $0.00 copay $0 copay

Generic $0.00 copay $0 copay

Preferred Brand 20% coinsurance $0 copay

Non-Preferred Drug 40% coinsurance $0 copay

Specialty Tier 29% coinsurance $0 copay

Part B drugs

Chemotherapy drugs In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Other Part B drugs In-network: 0%-20% coinsurance
Out-of-network: 0%-20% coinsurance

Medicare star rating

Each year the federal government rates Medicare Advantage and Part D plans on a 5-star system covering quality of care, chronic-condition management, member experience, and customer service. For 2026, AARP Medicare Advantage from UHC (HMO-POS) earned an overall rating of 4.0 stars — the same as Rhode Island's state average of 4.0 stars.

Rating category This plan State average

Overall star rating ★ 4.0 4.0

Health plan quality

Summary rating of health plan quality ★ 4.0 3.9

Staying healthy: screenings, tests & vaccines ★ 3.0 3.7

Managing chronic (long-term) conditions ★ 4.0 3.5

Member experience with health plan ★ 4.0 3.4

Member complaints & changes in performance ★ 4.0 4.1

Health plan customer service ★ 5.0 4.4

Drug plan quality

Summary rating of drug plan quality ★ 4.0 4.1

Drug plan customer service ★ 5.0 4.6

Member complaints & changes in performance ★ 4.0 4.1

Member experience with the drug plan ★ 4.0 4.1

Drug safety & accuracy of drug pricing ★ 4.0 4.0

Extra Benefits

Hearing

Hearing exam In-network: $0 copay
Out-of-network: $0 copay

Fitting/evaluation Not covered

Hearing aids - prescription In-network: $199-$1249 copay
Out-of-network: $199-$1249 copay

Hearing aids - over the counter In-network: $199-$829 copay
Out-of-network: $199-$829 copay

Preventive dental

Oral exam In-network: $0 copay
Out-of-network: $0 copay

Cleaning In-network: $0 copay
Out-of-network: $0 copay

Fluoride treatment In-network: $0 copay
Out-of-network: $0 copay

Dental x-rays In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Restorative services In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Endodontics In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Periodontics In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Prosthodontics, removable In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Prosthodontics, fixed In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Maxillofacial prosthetics In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Implant services Not covered

Oral and maxillofacial surgery In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Orthodontics Not covered

Adjunctive general services In-network: 50% coinsurance
Out-of-network: 50% coinsurance

Vision

Routine eye exam In-network: $0 copay
Out-of-network: $0 copay

Contact lenses In-network: $0 copay
Out-of-network: $0 copay

Eyeglasses (frames & lenses) Not covered

Eyeglass frames (only) In-network: $0 copay
Out-of-network: $0 copay

Eyeglass lenses (only) In-network: $0-$153 copay
Out-of-network: $0-$153 copay

Upgrades Not covered

Plan documents & tools

Plan details (carrier site)Provider directory Drug list (formulary)

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