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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 2026, 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 2026.
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 $49.00. 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 $3500.00 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 features an annual drug deductible of $440. Tier 1 preferred generic drugs are highly affordable, with no copay for 1-month or 3-month supplies at standard pharmacies and mail-order services. Tier 2 generic drugs cost an $8 copay for a 1-month standard pharmacy supply, but you can get a 3-month supply with no copay through preferred mail order. For brand-name and specialty medications, cost-sharing is based on coinsurance percentages. Tier 3 preferred brand drugs require a 15% coinsurance for standard pharmacy and mail-order options. Tier 4 non-preferred drugs and Tier 5 specialty drugs have a 42% and 28% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan offers comprehensive coverage with no copay for primary care visits, preventive services, and routine annual vision and hearing exams. For inpatient hospital stays, members pay a $325 daily copay for days 1 through 6 and no copay for days 7 through 90, with no coinsurance required. Outpatient hospital services feature copays up to $325, while emergency room visits carry a $150 copay that is waived upon admission. Dental care is covered up to a $2,500 annual limit, offering no copay for preventive services and a 20% to 50% coinsurance for comprehensive treatments. Vision eyewear is covered up to $250 every two years, and prescription hearing aids require copays starting at $199. Additionally, durable medical equipment and dialysis require a 20% coinsurance with no copay, while home health care and select over-the-counter items are available with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $325 daily copay for days 1 through 6 and no copay for days 7 through 90. Unlimited additional acute care days are covered with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital and observation services carry a copay of $0 to $325, while outpatient substance abuse services have a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage from UHC CO-0003 (HMO-POS), offering ground and air ambulance services with a $290 copay, no coinsurance, and prior authorization requirements. However, transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC CO-0003 (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 have a copay ranging from $0 to $65 with 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-0003 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist, therapy, and mental health services require copays ranging from $0 to $30 and no coinsurance. Chiropractic care is partially covered, offering routine visits for a $10 copay and no coinsurance, though other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) provides preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, glaucoma screenings, fitness benefits, and home safety devices. This benefit is partially covered, as supplemental services such as health education, weight management programs, alternative therapies, and personal emergency response systems are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers hearing services with no coinsurance, including one routine hearing exam per year with no copay, while fitting and evaluation exams are not covered. Prescription hearing aids are partially covered with a copay of $199.00 to $1,249.00 (excluding inner, outer, and over-the-ear types), and OTC hearing aids are covered with a copay of $199.00 to $829.00, with both device types limited to two per year.
Vision Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) provides partially covered vision services with no deductible and no coinsurance, featuring no copay for annual routine eye exams, contact lenses, and frames. Eyewear is covered up to a $250 combined limit every two years, with eyeglass lenses requiring a $0 to $153 copay, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) offers partially covered dental services up to a $2,500 annual limit, though implant services and orthodontics are not covered. Diagnostic and preventive services have no copay and no coinsurance, while Medicare-covered services require no copay and 20% coinsurance, and other covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC CO-0003 (HMO-POS) with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs feature no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC CO-0003 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for most equipment.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers diagnostic and radiological services, with prior authorization required for all services. Diagnostic tests require a $50 copay and no coinsurance, lab services and diagnostic radiological services have no copay and no coinsurance, outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiological services carry a 20% coinsurance and a copay.
Home Health Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC CO-0003 (HMO-POS) with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific sub-services including standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior 3-day hospital stay requirement, though prior authorization is required. There is no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance, which includes coverage for nicotine replacement therapy and naloxone. However, acupuncture, meal benefits, and other additional services are not covered.
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