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AARP Medicare Advantage from UHC FL-003P (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-003P (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 FL-003P (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-003P (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Tampa. 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 FL-003P (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 FL-003P (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 FL-003P (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. Additionally, this plan comes with a Part B Premium reduction of $8.00. You must continue to pay paying your reduced 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 $270.00 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 $2900.00 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 FL-003P (HMO-POS) plan features an annual drug deductible of $270. Policyholders benefit from no copay for Tier 1 preferred generic and Tier 2 generic drugs at standard pharmacies and standard mail-order services for both 1-month and 3-month supplies. This makes managing common, everyday generic prescriptions highly affordable. For brand-name and specialty medications, costs are structured as coinsurance percentages. Tier 3 preferred brand drugs require a 21% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 43% coinsurance, while Tier 5 specialty drugs require a 30% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC FL-003P (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a daily copay of $195 for the first five days and no copay for days six through 90. Emergency room visits require a $150 copay, which is waived upon admission, while specialist visits and outpatient diagnostic services feature low or no copays and no coinsurance. Routine vision exams, contacts, and frames are covered with no copay, and dental services include a $3,000 annual maximum with no copay for preventive care. While routine hearing exams also have no copay, hearing aids require copayments ranging from $199 to $1,249 depending on the device. Durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Inpatient Hospital care under AARP Medicare Advantage from UHC FL-003P (HMO-POS) is partially covered with no coinsurance, requiring a $195 copay per day for days 1-5 and no copay for days 6-90 for both acute and psychiatric stays. Unlimited additional acute days are covered with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital and observation services have copays ranging from no copay to $195, while outpatient substance abuse therapy ranges from no copay to a $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) covers ground and air ambulance services with a $150 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) covers emergency services 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 and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) offers primary care physician services and telehealth benefits with no copay and no coinsurance. Other covered services, including specialists, physical therapy, and mental health, feature copays ranging from $0 to $30 with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC FL-003P (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, glaucoma screenings, and fitness benefits. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) provides partially covered hearing services, featuring one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Covered OTC and prescription hearing aids (excluding inner, outer, and over-the-ear types) are limited to two per year with no coinsurance, with copays ranging from $199.00 to $829.00 for OTC and $199.00 to $1,249.00 for prescription devices.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FL-003P (HMO-POS) with no deductible, no coinsurance, and no copay for routine exams, contact lenses, and eyeglass frames, though eyeglass lenses have a $0 to $153 copay up to a $300 limit every two years. Other eye exams, upgrades, and bundled eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) partially covers dental services up to a $3,000 annual maximum, excluding implant services and orthodontics which are not covered. Preventive and diagnostic services feature no copay and no coinsurance, while Medicare-covered services require no copay and 20% coinsurance, and other covered comprehensive services have no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FL-003P (HMO-POS) with no copay, although prior authorization is required. Associated Medicare Part B chemotherapy and other drugs require no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered under AARP Medicare Advantage from UHC FL-003P (HMO-POS) with no copays and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Members will pay no copay for lab services and diagnostic radiology, a $5 copay for diagnostic procedures, tests, and outpatient X-rays, and a $25 copay for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC FL-003P (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) covers Skilled Nursing Facility (SNF) stays with no coinsurance and no prior hospital stay requirement, though prior authorization is required. You will pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with additional days beyond the standard Medicare-covered limit not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-003P (HMO-POS) partially covers other services, providing a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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