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AARP Medicare Advantage from UHC MO-0003 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MO-0003 (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 MO-0003 (HMO-POS) in 2026, please refer to our full plan details page.
This summary reflects 2026 plan information. Where this plan continues in 2027, the full plan details page links to its 2027 benefits and costs.
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) is a HMO-POS plan offered by Unitedhealthcare of the Midlands, Inc. available for the 2026 plan year to people living in Select Counties in Missouri. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC MO-0003 (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 MO-0003 (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 MO-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $55.00. 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
Health deductible: information not available.
This plan has a $440.00 drug deductible that applies only to drugs in certain tiers. You pay this amount toward covered prescriptions in those tiers before the plan's cost sharing begins; drugs in the other tiers are not subject to the deductible. See the full plan details page for the tier table.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3200.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $3200.00 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 MO-0003 (HMO-POS) plan features an annual prescription drug deductible of $440. For Tier 1 preferred generic drugs, members pay no copay for 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs carry a $10 copay for a 1-month supply at standard pharmacies, but they are available with no copay for a 3-month supply via preferred mail order. For Tier 3 preferred brand drugs, the plan charges a 19% coinsurance for both standard pharmacy and mail-order fills. Tier 4 non-preferred drugs and Tier 5 specialty drugs require higher out-of-pocket costs, with a 40% coinsurance and 28% coinsurance respectively for a 1-month supply. These coinsurance rates apply whether you use standard retail pharmacies or mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC MO-0003 (HMO-POS) plan offers robust medical coverage featuring no copays for primary care physician visits, telehealth, and routine preventive services. For inpatient hospital stays, members pay a $345 daily copay for days 1 through 6 and no copay for days 7 and beyond. Emergency room visits require a $150 copay, which is waived if admitted, while specialist visits feature low copays ranging from $0 to $35 with no coinsurance. Additional benefits include partial coverage for dental, vision, and hearing services, highlighted by no copays for preventive dental care up to a $2,000 annual limit and a $300 eyewear allowance every two years. Skilled nursing facility care starts with no copay for the first 20 days, and home health services are fully covered with no copay or coinsurance. Durable medical equipment and dialysis services are also covered, typically requiring a 20% coinsurance with no copay.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC MO-0003 (HMO-POS) with no coinsurance, requiring a $345 daily copay for days 1 through 6 and no copay for days 7 and beyond for acute stays. Psychiatric hospital stays share the same cost structure up to 90 days, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and outpatient blood services with no copay. Copays range from $0 to $345 for outpatient hospital and observation services, and up to $25 for outpatient substance abuse sessions, with prior authorization required.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) covers Medicare-covered ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Routine transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage from UHC MO-0003 (HMO-POS) plan with a $150 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services have a copay of $0 to $65 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 from UHC MO-0003 (HMO-POS) feature no copay and no coinsurance for primary care physician visits and telehealth services. Specialist visits, mental health, and therapy services are covered with no coinsurance and copays ranging from $0 to $35, while chiropractic services are only partially covered as routine care is excluded.
Preventive Services See details
Preventive Services are covered by AARP Medicare Advantage from UHC MO-0003 (HMO-POS) with no copay and no coinsurance for annual physicals, fitness benefits, kidney education, and diabetes self-management. However, this benefit is only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage from UHC MO-0003 (HMO-POS) plan, which offers annual routine hearing exams with no copay and no coinsurance, but does not cover fitting or evaluation exams. Prescription and OTC hearing aids are covered up to two per year with no coinsurance and copays ranging from $199 to $1,249 and $199 to $829 respectively, though inner-ear, outer-ear, and over-the-ear prescription aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) partially covers vision services with no coinsurance and no deductibles, offering one routine eye exam per year with no copay. Eyewear is covered up to a $300 combined limit every two years with no copay for contact lenses and frames, but eyeglass lenses have a $0 to $153 copay, and upgrades, other eye exams, and combined eyeglasses packages are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) dental services are partially covered, featuring preventive care with no copay and no coinsurance up to a $2,000 annual limit. Medicare-covered dental services require no copay and a 20% coinsurance, while covered comprehensive dental services have no copay and a 50% coinsurance, though implants and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC MO-0003 (HMO-POS) with no copay, though prior authorization is required. Associated Part B drugs, including chemotherapy and radiation, carry 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
Dialysis Services are covered under the AARP Medicare Advantage from UHC MO-0003 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required before receiving these services.
Medical Equipment See details
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies from specified manufacturers are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under AARP Medicare Advantage from UHC MO-0003 (HMO-POS) with prior authorization required. Lab services and diagnostic radiology feature no copay and no coinsurance, while diagnostic tests require a $50 copay with no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiology carries a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered with no coinsurance and require prior authorization under AARP Medicare Advantage from UHC MO-0003 (HMO-POS); however, while some services are covered, cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC MO-0003 (HMO-POS) with no coinsurance and does not require a prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100; prior authorization is required, and additional days beyond the standard Medicare-covered period are not covered.
Other Services See details
AARP Medicare Advantage from UHC MO-0003 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture and other extra services under this category are not covered by the plan.
Plan Providers
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpringSM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
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