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AARP Medicare Advantage from UHC CO-0001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC CO-0001 (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 CO-0001 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Denver Metro Area. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC CO-0001 (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 CO-0001 (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 CO-0001 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $59.00. 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 $440.00 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 $3400.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 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 CO-0001 (HMO-POS) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. After meeting this deductible, you will pay a $10.00 copay for Tier 1 preferred generic drugs and a 16% coinsurance for Tier 2 standard generic drugs at standard pharmacies. Tier 3 preferred brands and Tier 4 non-preferred drugs require a 40% and 28% coinsurance respectively, which applies to standard retail pharmacies as well as mail-order services. Once your annual out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs. For individuals who qualify for the low-income subsidy (LIS), the plan's Part D premium is reduced from $59.00 to $23.80.
Additional Benefits
The AARP Medicare Advantage from UHC CO-0001 (HMO-POS) plan provides comprehensive medical coverage with no copay or coinsurance for primary care visits and low copays up to $25 for specialist visits. Inpatient hospital stays require a $295 daily copay for the first six days and no copay for days seven through 90, while emergency room visits carry a $150 copay that is waived if you are admitted. Outpatient services feature no coinsurance, with copays ranging from no copay to $295 depending on the specific service. For additional wellness needs, the plan features routine hearing, vision, and preventive dental care with no copay or coinsurance. Comprehensive dental services are covered up to a $3,500 annual limit with a 50% coinsurance, and prescription hearing aids are available with copays ranging from $199 to $1,249. Additionally, beneficiaries benefit from no copay on home health services and diabetic supplies, while durable medical equipment requires a 20% coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by AARP Medicare Advantage from UHC CO-0001 (HMO-POS) with a $295 copay for days 1-6, no copay for days 7-90, and no coinsurance. While unlimited additional acute care days are covered with no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Copayments for outpatient hospital, observation, and substance abuse services range from $0 to $295, with prior authorization required for most of these benefits.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) covers partial hospitalization benefits with a $55 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) partially covers ambulance and transportation services, offering ground and air ambulance coverage with a $290 copay and no coinsurance. Transportation services to plan-approved health-related locations and any other health-related locations are not covered by this plan.
Emergency Services See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require no copay to a $65 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 CO-0001 (HMO-POS) covers primary care visits, opioid treatment, and additional telehealth services with no copay and no coinsurance. Other covered services, such as specialist visits, physical therapy, chiropractic care, and mental health services, require copays ranging from $0 to $25 with no coinsurance.
Preventive Services See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) partially covers preventive services with no copay or coinsurance for covered options like annual physicals, kidney disease education, fitness benefits, and home safety devices. Uncovered sub-services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional or dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC CO-0001 (HMO-POS), including one annual routine hearing exam with no copay or coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two OTC hearing aids (with a $199 to $829 copay and no coinsurance) and up to two prescription hearing aids of all types (with a $199 to $1,249 copay and no coinsurance) per year, while inner, outer, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC CO-0001 (HMO-POS), excluding upgrades and combined eyeglasses (lenses and frames). Routine eye exams, contact lenses, and frames have no copay and no coinsurance, while eyeglass lenses have a copay of $0 to $153 and no coinsurance, up to a $300 eyewear limit every two years.
Dental Services See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) offers partially covered dental services with an annual limit of $3,500, though implant services and orthodontics are not covered. Preventive services have no copay and no coinsurance, while covered comprehensive services require a 50% coinsurance and no copay, and Medicare dental services carry a 20% coinsurance and no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) partially covers Home Infusion bundled Services with prior authorization, excluding Part D home infusion drugs as a mandatory supplemental benefit. Covered Part B insulin drugs require a $35 copay and between no coinsurance and 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC CO-0001 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) covers durable medical equipment, prosthetics, and diabetic therapeutic shoes with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, though prior authorization is required for most medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CO-0001 (HMO-POS) with prior authorization required. Lab services have no copay, outpatient X-rays require a $30 copay, diagnostic tests cost a $50 copay, diagnostic radiology ranges from no copay up to $240 (all with no coinsurance), and therapeutic radiology has a 20% coinsurance with no copay.
Home Health Services See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to access these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC CO-0001 (HMO-POS) plan. Although the plan indicates some services are covered, key sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are not covered, meaning there are no associated copays or coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage from UHC CO-0001 (HMO-POS), requiring prior authorization and offering no copay or coinsurance for days 1 to 20, and a $218 daily copay with no coinsurance for days 21 to 100. Additional days beyond Medicare-covered SNF are not covered.
Other Services See details
AARP Medicare Advantage from UHC CO-0001 (HMO-POS) partially covers other services, offering over-the-counter items and meal benefits with no copay and no coinsurance. Acupuncture and dual eligible SNPs with highly integrated services are not covered under this plan.
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