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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 the deductible, you'll pay a copay or coinsurance depending on the drug tier and pharmacy. For example, you'll pay $8 for preferred generic drugs at a standard pharmacy. For preferred brand drugs, the copay is $100, regardless of the pharmacy. Non-preferred drugs have a 29% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for 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 $275 copay for days 1-6, with no copay for longer stays. Outpatient services, primary care, preventive services, and home health services often have no copay, while other services, like specialist visits, may have copays ranging from $10-$25. This plan also provides coverage for hearing and vision, with no copays for routine exams, and offers coverage for hearing aids and eyewear. Dental services, ambulance services, and diagnostic services are covered with copays or coinsurance, while services like cardiac rehabilitation are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, you will pay a $275 copay for days 1-6, and no copay for days 7-90, while additional days have no copay; non-Medicare covered stays and upgrades are not covered. For Inpatient Hospital Psychiatric, you will pay a $275 copay for days 1-6, and no copay for days 7-90, while additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a copay between $0 and $275, Observation Services with a $275 copay, Ambulatory Surgical Center (ASC) Services with no copay, Outpatient Substance Abuse Services with a copay between $0 and $25 for individual sessions, and a $15 copay for group sessions, and Outpatient Blood Services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under this plan, with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan. This plan has a $290 copay for both Medicare-covered ground and air ambulance services, with no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Worldwide Emergency Services, are covered by the AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan. Emergency Services have a $140 copay, and Urgently Needed Services have a copay between $0 and $65, while Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) covers primary care physician services with no copay, 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 and Routine Foot Care are limited to 12 visits every year and 6 visits every year respectively.
Preventive Services See details
Preventive services include no copay for Medicare-covered services, annual physical exams, glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following the Welcome Visit. Additional preventive services like fitness benefits and home and bathroom safety devices and modifications are covered with no copay, while other services like health education, in-home safety assessments, and counseling services are not covered.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are covered annually. Prescription hearing aids are covered, but the fitting and evaluation for hearing aids, and prescription hearing aids for inner ear, outer ear, and over the ear are not covered. OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
Vision services include eye exams and eyewear benefits. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear has no copay, and includes coverage for contact lenses, eyeglass lenses, and eyeglass frames, but not eyeglasses (lenses and frames) or upgrades. Contact lenses are unlimited, eyeglass lenses are covered for one pair every two years with a copay between $0 and $153, and eyeglass frames are covered for one pair every two years with no copay.
Dental Services See details
Dental Services are covered, with a 20% coinsurance for Medicare Dental Services. 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 are covered with no copay, but have visit limitations. Prosthodontics, removable and prosthodontics, fixed have a coinsurance of 0% - 50%. Orthodontic services are covered under Diagnostic and Preventive Dental. Implant Services and Orthodontics are not covered.
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, but require prior authorization. The plan has a coinsurance of 20% for dialysis services.
Medical Equipment See details
Medical Equipment is covered, with Durable Medical Equipment (DME) and Prosthetic Devices requiring a 20% coinsurance and Diabetic Supplies with no copay. Diabetic Therapeutic Shoes/Inserts also require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, with a copay of $50 for diagnostic procedures and tests. Lab services have no copay, while diagnostic radiological services have a copay that can be up to $250, and therapeutic radiological services have 20% coinsurance. Outpatient X-ray services have 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 under this plan.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan. This includes Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization. For days 1-20, there is no copay, and for days 21-100, there is a $203 copay.
Other Services See details
Other Services offered by the AARP Medicare Advantage from UHC CO-0003 (HMO-POS) plan include over-the-counter (OTC) items with no copay, while 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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