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AARP Medicare Advantage Extras from UHC CO-20 (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-20 (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-20 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Extras from UHC CO-20 (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 Extras from UHC CO-20 (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-20 (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-20 (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 $520.00 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 $5900.00 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-20 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) prescription drug plan features an annual deductible of $520. Tier 1 preferred generic drugs offer excellent savings with no copay for standard pharmacy and mail-order fills. Tier 2 generic medications require a $10 copay for a 1-month standard pharmacy supply, though you can secure a 3-month supply with no copay through preferred mail order. For higher-tier medications, the plan utilizes coinsurance rather than flat copays during the initial coverage phase. 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 carry a 37% and 27% coinsurance, respectively, for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) plan offers comprehensive medical coverage with predictable cost-sharing and no deductibles for many services. You will pay no copay for primary care visits, telehealth, and annual preventive exams, while specialist visits require a copay of up to $50. For inpatient hospital stays, there is no coinsurance, but you will pay a $455 copay per day for the first six days of acute care stays. This plan also includes valuable supplemental benefits like routine dental, vision, and hearing care with no copays for routine exams. Dental services feature preventive care with no copay up to a $2,500 annual maximum, while diagnostic labs and home health services are also covered with no copay or coinsurance. For medical equipment and dialysis, you can expect no copay and a standard 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital coverage under the AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) plan features no coinsurance, requiring a $455 copay for days 1 to 6 of acute stays (no copay for days 7 and beyond) and a $455 copay for days 1 to 5 of psychiatric stays (no copay for days 6 to 90). Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay. Outpatient hospital copays range from no copay to $455, observation services require a $455 daily copay, and outpatient substance abuse sessions range from no copay to a $25 copay.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) with a $55 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance services under the AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) are covered with a $290 copay and no coinsurance for both ground and air transport, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay of $0 to $50 with 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-20 (HMO-POS) are covered with no coinsurance, featuring no copay for primary care visits, telehealth, and opioid treatment. Other covered services require copays, including $0 to $50 for specialists and mental health, $50 for therapy services, and $45 for podiatry. Chiropractic care is partially covered, offering routine visits for a $10 copay (up to 12 per year) while other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) partially covers preventive services with no copay and no coinsurance for annual exams, fitness benefits, and safety devices. However, several services are not covered, including health education, in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, re-admission 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, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) with no deductibles and no coinsurance. Routine hearing exams have no copay, but fitting and evaluation exams are not covered. Up to two prescription hearing aids (copays of $199.00 to $1,249.00) and two OTC hearing aids (copays of $199.00 to $829.00) are covered annually, though inner, outer, and over the ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) offers partially covered vision services with no deductibles or coinsurance, featuring one routine eye exam every year and contact lenses or frames with no copay. Eyewear is covered up to a $300 combined limit every two years with a $0 to $153 copay for eyeglass lenses, though other eye exams, upgrades, and eyeglasses (lenses and frames together) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS), featuring preventive care with no copay and no coinsurance up to a $2,500 annual maximum. Comprehensive dental services require no copay and 50% coinsurance (20% for Medicare-covered dental), though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered with no copay under the AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) plan, though prior authorization is required. Medicare Part B drugs associated with these services, including chemotherapy and insulin, feature coinsurance ranging from no coinsurance up to 20%, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for this covered benefit.
Medical Equipment See details
AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with no copays and a 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for most medical equipment and devices.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS), with prior authorization required. Diagnostic tests require a $55 copay with no coinsurance, lab and diagnostic radiological services feature no copay and no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiology requires a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are offered by AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS), where some services are covered with no copay and no coinsurance, though prior authorization is required. However, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) care is covered by AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. You pay no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS), which offers over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and other additional services under this category are not covered.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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