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AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Essentials from UHC CO-2 (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 Essentials from UHC CO-2 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC CO-2 (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 Essentials from UHC CO-2 (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 Essentials from UHC CO-2 (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 Essentials from UHC CO-2 (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 $4100.00 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:
Sign up for AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $520.00. After meeting this deductible, you will pay a $10.00 copay for Tier 1 preferred generics at standard pharmacies during the initial coverage phase. Other tiers require coinsurance, including 15% for standard generics and 39% for preferred brand drugs, until total costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase where you pay nothing for covered Part D prescription drugs. Additionally, beneficiaries who qualify for the low-income subsidy will receive a reduced Part D premium of $0.00.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) plan offers robust health coverage with no copay and no coinsurance for primary care visits, preventive care, and home health services. For inpatient hospital stays, members pay a $325 daily copay for days one through six, with no copay for days seven through 90, while emergency room visits require a $150 copay. Outpatient care and specialist visits are also highly affordable, featuring no coinsurance and low to no copays. This plan also covers routine dental, vision, and hearing exams with no copay and no coinsurance, alongside coverage for prescription hearing aids and eyewear. Members can take advantage of over-the-counter items and meal benefits with no copay, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. This structure helps keep your healthcare costs predictable by eliminating coinsurance for most routine services.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) with a $325 daily copay for days 1 through 6 and no copay or coinsurance for days 7 through 90. The benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Other covered services require copays, ranging from $0 to $325 for outpatient hospital and daily observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access these covered benefits.
Ambulance and Transportation Services See details
AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, both of which require prior authorization. Additional transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC CO-2 (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 are covered with a copay of $0 to $65 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay.
Primary Care See details
AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance. Other services, including specialist visits, physical therapy, and mental health care, require copays ranging from $0 to $25 and no coinsurance.
Preventive Services See details
Preventive Services are covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) with no copay and no coinsurance for covered services, including annual physical exams, kidney disease education, and glaucoma screenings. However, this benefit is only partially covered, as fitness and home safety benefits are included at no cost, while sub-services like health education, weight management, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, although fitting and evaluation exams are not covered. Up to two prescription or OTC hearing aids are covered per year with no coinsurance and copays ranging from $199 to $1,249, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) with no deductibles, offering routine eye exams, contact lenses, and eyeglass frames with no copay and no coinsurance. Eyeglass lenses require a copay of $0 to $153 and no coinsurance, while upgrades and combined eyeglasses (lenses and frames) are not covered. Covered eyewear is subject to a combined $150 maximum limit every two years.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS), offering preventive services such as exams, cleanings, and X-rays with no copay and no coinsurance. Medicare-covered dental services require no copay and 20% coinsurance, but orthodontic, restorative, endodontic, periodontic, prosthodontic, implant, and oral surgery services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) with prior authorization, though Part D home infusion drugs are not covered. Covered Medicare Part B insulin drugs require a $35 copay and coinsurance ranging from no coinsurance to 20%, while chemotherapy, radiation, and other Part B drugs have no copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, medical supplies, and diabetic services. Covered DME, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts require a 20% coinsurance and no copay, while diabetic supplies are covered with no copay and no coinsurance. Prior authorization is required for these essential medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) covers diagnostic and radiological services, subject to prior authorization. Members will pay no copay for lab services, a $30 copay for outpatient X-rays, a $50 copay for diagnostic tests, between no copay and $260 for diagnostic radiology, and a 20% coinsurance for therapeutic radiology.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD services are all not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, as prior authorization is required and additional days beyond Medicare-covered limits are not covered. There is no copay or coinsurance for days 1 through 20, followed by a $218 daily copay and no coinsurance for days 21 through 100.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS), which offers 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.
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