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AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Essentials from UHC NE-3 (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 Essentials from UHC NE-3 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Iowa and Nebraska. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Essentials from UHC NE-3 (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 Essentials from UHC NE-3 (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 Essentials from UHC NE-3 (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:
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Drug Coverage
The AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) plan has an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for standard pharmacy fills and preferred mail orders. Tier 2 generic medications carry a $12 copay for a one-month supply at standard pharmacies, but there is no copay for a three-month supply filled through preferred mail order. Brand-name and specialty prescriptions are covered under coinsurance, with Tier 3 preferred brand drugs requiring 17% coinsurance across standard pharmacies and mail orders. Tier 4 non-preferred drugs require 39% coinsurance, while Tier 5 specialty drugs carry a 27% coinsurance for a one-month supply. Understanding these cost-sharing details helps you manage your prescription expenses under this UHC Medicare Advantage plan.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) plan offers affordable coverage options with no coinsurance for many primary medical services. Members pay no copay for primary care visits, annual physicals, routine vision and hearing exams, preventive dental care, and home health services. For hospital care, inpatient stays require a $495 copay for the first several days with no copay for subsequent days, while emergency room visits carry a $130 copay that is waived if admitted. Specialist office visits feature a copay ranging from $0 to $55, and diagnostic lab services require no copay. For specialized needs, durable medical equipment, dialysis services, and Medicare-covered dental care require a 20% coinsurance with no copay. While transportation is not covered, the plan provides partial coverage for prescription hearing aids and eyewear to help reduce overall out-of-pocket costs.
Inpatient Hospital See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $495 copay for days 1 through 5 of acute stays (no copay for days 6 and beyond) and a $495 copay for days 1 through 4 of psychiatric stays (no copay for days 5 through 90). This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $495 copay for outpatient hospital services and a $495 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a copay of $0 to $5.
Partial Hospitalization See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (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 ranging from no copay 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 the AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) plan feature no coinsurance for all services, with no copay for primary care visits, telehealth, and opioid treatment. Other covered services require copays ranging from $0 to $55 for specialists and $30 to $45 for therapy and podiatry, though routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) with no copay and no coinsurance for covered options, which include annual physical exams, kidney disease education, glaucoma screenings, and a fitness benefit. However, many additional preventive services are not covered, such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS), excluding fitting or evaluation for hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids. Covered routine hearing exams have no copay and no coinsurance, while up to two prescription hearing aids (copays of $199 to $1,249) and two OTC hearing aids (copays of $199 to $829) are available per year with no coinsurance.
Vision Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) partially covers vision services with no deductibles or coinsurance, providing one routine eye exam per year with no copay. Eyewear is also partially covered with a $300 combined maximum every two years, offering no copay for contact lenses and frames, and a $0 to $153 copay for lenses, while other eye exams, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) offers partially covered dental services, which include Medicare-covered dental with no copay and a 20% coinsurance, and preventive care like cleanings and exams with no copay and no coinsurance. However, comprehensive dental services such as restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) covers Home Infusion bundled Services with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and a 0% to 20% coinsurance, while Medicare Part B insulin drugs have a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiology, while outpatient x-rays require a $25 copay, and diagnostic procedures and therapeutic radiology require a $60 copay.
Home Health Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (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 Essentials from UHC NE-3 (HMO-POS) with no coinsurance, although only some services are covered as cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered in practice. Prior authorization is required for covered services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a three-day prior hospital stay is not required for admission, and additional days beyond the standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS) partially covers other services, providing a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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