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AARP Medicare Advantage from UHC CO-0003 (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-0003 (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-0003 (HMO-POS) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Colorado. This plan received an overall rating of 4.5 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage from UHC CO-0003 (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-0003 (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-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $36.00. 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 $340.00 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 $3200.00 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-0003 (HMO-POS) plan has a $340 deductible for prescription drugs. After you meet the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, you will pay $8 for preferred generic drugs at a standard pharmacy. The plan offers an enhanced alternative drug benefit. After your yearly out-of-pocket drug costs reach $2000, you pay nothing for Medicare Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $325 copay for days 1-7, while many outpatient services, including primary care visits, have no copay. The plan also includes coverage for hearing, vision, and dental services. Hearing services include routine exams with no copay, and coverage for hearing aids with copays between $99 and $1249. Vision benefits include eye exams with no copay and eyewear coverage, while dental services have no copay for many services, and coinsurance for others.
Inpatient Hospital See details
Inpatient hospital services are covered, with a $325 copay for days 1-7 and no copay for days 8-90. Additional days for inpatient hospital-acute are covered with no copay, but non-Medicare-covered stays and upgrades for inpatient hospital-acute are not covered.
Outpatient Services See details
Outpatient services are covered by the AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan. Outpatient Hospital Services have a copay between $0 and $325, Observation Services have a $325 copay, Ambulatory Surgical Center (ASC) Services have no copay, Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25, Group Sessions for Outpatient Substance Abuse have a $15 copay, and Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including both ground and air ambulance services with a $290 copay, and no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by this plan. Emergency Services have a $140 copay, while Urgently Needed Services have a copay between $0 and $65. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
The AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan covers primary care physician services, chiropractic services with a $10 copay, occupational therapy services with a $0-$25 copay, physician specialist services with a $0-$25 copay, mental health specialty services with a $0-$25 copay for individual sessions and a $15 copay for group sessions, podiatry services with a $25 copay, other health care professional services with a $0-$25 copay, psychiatric services with a $0-$25 copay for individual sessions and a $15 copay for group sessions, physical therapy and speech-language pathology services with a $0-$25 copay, additional telehealth benefits with no copay, and opioid treatment program services with no copay. Routine chiropractic care is limited to 12 visits per year.
Preventive Services See details
Preventive services include no copay for Medicare-covered services, an annual physical exam, and additional preventive services. Fitness benefits and home and bathroom safety devices and modifications have no copay.
Hearing Services See details
Hearing services include coverage for hearing exams, routine hearing exams, prescription hearing aids, and OTC hearing aids. Routine hearing exams have no copay, and are limited to 1 per year; prescription hearing aids (all types) have a copay between $199 and $1249 for 2 per year, and OTC hearing aids have a copay between $99 and $829 for 2 per year. Fitting/Evaluation for Hearing Aid, Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
Vision services include eye exams with no copay, routine eye exams with no copay for one visit per year, and eyewear with a combined maximum of $200 every two years. Contact lenses, eyeglass lenses with a copay between $0 and $153, and eyeglass frames with no copay are covered. Eyeglass lenses and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers dental services, with 20% coinsurance for Medicare Dental Services. Other services, such as Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Fluoride Treatment, Other Preventive Dental Services, Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Maxillofacial Prosthetics, and Oral and Maxillofacial Surgery have no copay, and Orthodontic Services, Prosthodontics, removable, and Prosthodontics, fixed have a 0% - 50% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan. There is a coinsurance of 20% for this benefit.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and Prosthetic Devices and Medical Supplies with 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered, including all diagnostic services, diagnostic procedures/tests with a $50 copay, and lab services with no copay. Radiological services are also covered, including diagnostic radiological services with a maximum copay of $250, therapeutic radiological services with a 20% coinsurance, and outpatient X-ray services with a $25 copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization is required for this benefit, and you should refer to the plan details for copay information.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. You will have no copay for days 1-20, and a $203 copay per day for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The "Other Services" benefit offered by AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers over-the-counter (OTC) items with no copay. However, acupuncture, meal benefits, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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