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AARP Medicare Advantage from UHC CO-21P (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-21P (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-21P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CO-21P (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 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 from UHC CO-21P (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-21P (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-21P (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 $3900.00 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-21P (HMO-POS) plan features an Enhanced Alternative drug benefit with a $520.00 annual prescription drug deductible. During the initial coverage phase, standard pharmacy costs include a $10.00 copay for Tier 1 preferred generic drugs and a 15% coinsurance for Tier 2 standard generics. Tier 3 preferred brand drugs and Tier 4 non-preferred drugs require a 39% and 27% coinsurance, respectively, across standard retail and mail-order services. Once your annual out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will have no copay for covered Part D drugs. Additionally, individuals who qualify for the low-income subsidy can benefit from a reduced $0.00 Part D premium. This drug coverage structure helps Medicare beneficiaries manage and predict their annual prescription medication expenses.
Additional Benefits
The AARP Medicare Advantage from UHC CO-21P (HMO-POS) plan offers comprehensive medical coverage with predictable cost-sharing, featuring no copay and no coinsurance for primary care visits, telehealth, and preventive care. Inpatient hospital stays require a $275 daily copay for the first six days, while skilled nursing facility stays have no copay for the first 20 days. Emergency services carry a $150 copay, which is waived if you are admitted, and urgent care visits range from no copay up to $65. For routine wellness, members benefit from no copay on annual hearing exams, routine eye exams, and preventive dental care, though comprehensive dental requires a 50% coinsurance. Diagnostic lab services, home health care, and diabetic supplies also require no copay or coinsurance, while durable medical equipment and dialysis services require a 20% coinsurance. Prescription hearing aids are available with copays ranging from $199 to $1,249, helping to keep your out-of-pocket costs manageable.
Inpatient Hospital See details
AARP Medicare Advantage from UHC CO-21P (HMO-POS) partially covers inpatient hospital benefits with a $275 daily copay for days 1 to 6, no copay for days 7 to 90, and no coinsurance. While acute and psychiatric stays are covered, non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered under the AARP Medicare Advantage from UHC CO-21P (HMO-POS) plan with no coinsurance required. You will pay no copay for ambulatory surgical center and blood services, a $275 daily copay for observation services, $0 to $275 for outpatient hospital services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
Partial hospitalization benefits are covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS) with a $55 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are partially covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS). Ground and air ambulance services are covered with a $290 copay and no coinsurance, but transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC CO-21P (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 a copay of $0 to $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay or coinsurance.
Primary Care See details
Primary Care benefits are covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS) with no coinsurance. Members will pay no copay for primary care physician visits, telehealth, and opioid treatment, while other services like specialists, chiropractic, physical therapy, and mental health care have copays ranging from $0 to $25.
Preventive Services See details
AARP Medicare Advantage from UHC CO-21P (HMO-POS) partially covers preventive services with no copay and no coinsurance for covered benefits like annual physical exams, fitness programs, and home safety modifications. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, alternative therapies, therapeutic massage, and weight management programs.
Hearing Services See details
AARP Medicare Advantage from UHC CO-21P (HMO-POS) partially covers hearing services with no coinsurance, offering no copay for an annual routine hearing exam. Covered prescription hearing aids (all types) require a $199 to $1,249 copay, while OTC hearing aids have a $199 to $829 copay. Fitting and evaluation for hearing aids, 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 CO-21P (HMO-POS) partially covers vision services with no deductible and no coinsurance. Routine eye exams, contact lenses, and eyeglass frames have no copay, while eyeglass lenses have a copay of $0 to $153 up to a $150 combined limit every two years; however, upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS), as implant services and orthodontics are not covered. Preventive care features no copay and no coinsurance, while Medicare-covered services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copay, up to a $1,000 annual limit.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS) with prior authorization and step therapy, requiring 0% to 20% coinsurance and no copay for chemotherapy, radiation, and other Part B drugs. Part B insulin drugs are also covered under this benefit, requiring a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these dialysis benefits.
Medical Equipment See details
Medical equipment benefits are covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS), with durable medical equipment, prosthetics, and diabetic therapeutic shoes requiring a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC CO-21P (HMO-POS) covers diagnostic and radiological services, with prior authorization required. Diagnostic tests require a $50 copay and lab services have no copay, while diagnostic radiological services range from no copay to $260 and outpatient X-rays carry a $30 copay. Therapeutic radiological services require 20% coinsurance, with no coinsurance required for diagnostic services.
Home Health Services See details
AARP Medicare Advantage from UHC CO-21P (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required before you can receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS) with prior authorization, meaning some services are covered, but standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CO-21P (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, as prior authorization is required and additional days beyond the Medicare-covered limit are not covered. There is no copay for days 1 to 20 and a $218 daily copay for days 21 to 100, with no coinsurance required.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC CO-21P (HMO-POS), featuring over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. However, acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered, and the meal benefit requires prior authorization.
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