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AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Extras from UHC CO-5 (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 Extras from UHC CO-5 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC CO-5 (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 Extras from UHC CO-5 (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 Extras from UHC CO-5 (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 Extras from UHC CO-5 (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 $600.00 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 $5400.00 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 Extras from UHC CO-5 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) plan offers an Enhanced Alternative drug benefit with a yearly prescription drug deductible of $600. For individuals who qualify for the Low-Income Subsidy, also known as Extra Help, the Part D premium is reduced to no cost. After meeting the deductible, the initial coverage phase begins, requiring a $10 copay for Tier 1 preferred generics at standard pharmacies. During this initial phase, standard pharmacy costs include a 16% coinsurance for standard generics, 37% coinsurance for preferred brands, and 26% coinsurance for non-preferred drugs. The coinsurance rates for preferred brands and non-preferred drugs also apply to both preferred and standard mail-order options. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) offers comprehensive medical coverage with no copay for primary care visits, preventive care, and home health services. Specialist visits and diagnostic tests are accessible with low copayments and no coinsurance, while inpatient hospital stays require a $450 daily copay for the first several days. Emergency room visits carry a $130 copay, which is waived if you are admitted, while urgent care services range from no copay to a $50 copay. Routine vision, hearing, and preventive dental services are fully covered with no copay or coinsurance. For more advanced needs, comprehensive dental care requires a 50% coinsurance up to a $3,000 annual limit, and durable medical equipment is covered with a 20% coinsurance. Additionally, members can access over-the-counter items and meal benefits with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital benefits are covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) with no coinsurance, requiring a $450 daily copay for days 1-6 of acute stays (no copay for days 7 and beyond) and a $450 daily copay for days 1-5 of psychiatric stays (no copay for days 6-90). Prior authorization is required, and certain services like upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) with no coinsurance, featuring a $0 to $450 copay for outpatient hospital services and a $450 daily copay for observation services. Ambulatory surgical center and outpatient blood services are available with no copay, while outpatient substance abuse sessions require a copay ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) with a $55 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are partially covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS), as transportation services to health-related locations are not covered. Covered ground and air ambulance services require prior authorization and have a $290 copay with no coinsurance.
Emergency Services See details
AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary Care benefits under AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) are covered with no coinsurance, featuring no copay for primary care provider visits, telehealth, and opioid treatment. Other covered services, including specialist visits, physical therapy, and psychiatric sessions, require copayments ranging from $10 to $40.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) with no copay and no coinsurance for covered care such as annual physical exams, fitness benefits, and kidney disease education. However, multiple supplemental services—including health education, personal emergency response systems, weight management programs, alternative therapies, and in-home support—are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS), featuring no copay, coinsurance, or deductible for one routine hearing exam per year. Covered OTC and general prescription hearing aids have copays ranging from $199.00 to $1,249.00 with no coinsurance, but fitting and evaluation exams, as well as inner, outer, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) covers vision services, including one annual routine eye exam with no copay or coinsurance. Eyewear is partially covered up to a $200 limit every two years with no copay or coinsurance for contact lenses and frames, and a $0 to $153 copay for lenses, while upgrades and complete eyeglasses packages are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS), excluding implant services and orthodontics. Patients pay no copay and no coinsurance for preventive services like cleanings and exams, but will face a 20% coinsurance (no copay) for Medicare-covered dental and a 50% coinsurance (no copay) for comprehensive services up to a $3,000 annual maximum.
Home Infusion bundled Services See details
AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) covers home infusion bundled services with prior authorization, featuring no copay and no coinsurance to 20% coinsurance for Part B chemotherapy, radiation, and other drugs. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment benefits are covered under the AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) plan, with durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes requiring a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS), with prior authorization required. Diagnostic tests require a $50 copay, lab services have no copay, and outpatient x-rays carry a $30 copay, all with no coinsurance. Diagnostic radiological services range from no copay up to a $260 copay with no coinsurance, while therapeutic radiological services require a 20% coinsurance and no copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) does not cover Cardiac Rehabilitation Services, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered under the AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) plan, as additional days beyond the Medicare-covered limit are not covered. Prior authorization is required, and there is no copay and no coinsurance for days 1 to 20, followed by a $218 daily copay and no coinsurance for days 21 to 100.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS), which offers Over-the-Counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered under this plan.
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