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AARP Medicare Advantage from UHC AZ-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 AZ-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 AZ-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Maricopa and Pinal Counties. 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 AZ-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 AZ-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 AZ-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $26.00. 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 AZ-0003 (HMO-POS) plan offers an enhanced alternative drug benefit with a yearly prescription drug deductible of $440.00. After meeting this deductible, you will pay no copay for Tier 1 preferred generic drugs and a 19% coinsurance for Tier 2 standard generic drugs at standard pharmacies. Individuals who qualify for the low-income subsidy will see their Part D premium reduced from $24.10 to $7.10. For higher-tier medications, the plan charges a 40% coinsurance for Tier 3 preferred brand drugs and a 28% coinsurance for Tier 4 non-preferred drugs at standard pharmacies and standard mail. Once your total annual out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for your Medicare Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) plan offers affordable coverage for your essential medical needs, featuring no copay for primary care doctor visits, telehealth, annual physicals, and home health services. If you require hospital care, inpatient stays have a $195 copay for days 1 through 7, with no copay for days 8 through 90. Outpatient services also feature no coinsurance, with copays ranging from no copay up to $195. For specialty care, this plan provides routine vision and hearing exams with no copay, alongside a $200 eyewear allowance and dental coverage up to a $5,000 annual maximum. Emergency room visits and ambulance services both require a $150 copay, though the emergency copay is waived if you are admitted to the hospital within 24 hours. Additionally, diagnostic lab tests have no copay, and skilled nursing facility stays have no copay for the first 20 days.
Inpatient Hospital See details
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) partially covers inpatient hospital benefits, requiring a $195 copay for days 1 through 7 and no copay or coinsurance for days 8 through 90 for both acute and psychiatric stays. 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
Outpatient services are covered by AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) with no coinsurance. Copays range from no copay for ambulatory surgical center and outpatient blood services, up to $195 for outpatient hospital and daily observation services, while outpatient substance abuse sessions require a copay of up to $25.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) partially covers Ambulance and Transportation Services, offering medicare-covered ground and air ambulance services for a $150 copay and no coinsurance. Transportation services to plan-approved or any health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) 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 care, and emergency transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits are covered by AARP Medicare Advantage from UHC AZ-0003 (HMO-POS), offering no copay and no coinsurance for primary care doctor visits, telehealth, and opioid treatment. Other covered services, including specialist visits, physical therapy, chiropractic, and mental health services, require copays ranging from $0 to $25 with no coinsurance.
Preventive Services See details
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) provides partial coverage for preventive services with no copay and no coinsurance for covered options like annual physicals, kidney education, specific screenings, fitness benefits, and home safety modifications. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) partially covers hearing services, including one annual routine hearing exam with no copay, coinsurance, or deductible, and prescription or OTC hearing aids for copays between $199 and $1,249 with no coinsurance. Fitting and evaluation services, along with inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) covers annual routine eye exams with no copay and no coinsurance. Eyewear is partially covered with a $200 combined limit every two years, offering contact lenses and eyeglass frames with no copay and no coinsurance, and eyeglass lenses with a $0 to $153 copay and no coinsurance, while upgrades and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) up to a $5,000 annual maximum, though implant services and orthodontics are not covered. Diagnostic and preventive services are available with no copay, while Medicare-covered dental services require a 20% coinsurance and other comprehensive services require a 50% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are partially covered by AARP Medicare Advantage from UHC AZ-0003 (HMO-POS), with Part D home infusion drugs excluded as a mandatory supplemental benefit. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs require no copay and no coinsurance up to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC AZ-0003 (HMO-POS), with durable medical equipment, prosthetics, and diabetic therapeutic shoes requiring a 20% coinsurance and no copay. Diabetic supplies are available with no copay, though prior authorization is required for most medical equipment and supplies.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) covers diagnostic and radiological services with no coinsurance, subject to prior authorization. Under this plan, there is no copay for lab services, a $5 copay for diagnostic tests and outpatient X-rays, a $60 copay for therapeutic radiological services, and a copay ranging from $0 to $260 for diagnostic radiological services.
Home Health Services See details
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) plan, as cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are all not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, requiring prior authorization but allowing admission without a prior three-day hospital stay. Covered stays feature no copay and no coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC AZ-0003 (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 benefit.
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