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AARP Medicare Advantage from UHC MO-0005 (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-0005 (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-0005 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MO-0005 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 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-0005 (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-0005 (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-0005 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $27.00. 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 $440.00 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 $3200.00 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 MO-0005 (HMO-POS) plan has an annual drug deductible of $440. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies, nor for a 3-month supply via mail order. Tier 2 generic drugs have an $8 copay for a 1-month supply at standard pharmacies, but you can receive a 3-month supply with no copay when using preferred mail order. For Tier 3 preferred brand drugs, you will pay an 18% coinsurance for 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 4 non-preferred drugs require a 40% coinsurance for a 1-month supply at standard pharmacies and through mail order. Tier 5 specialty tier drugs carry a 28% coinsurance for a 1-month supply across standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC MO-0005 (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care and telehealth visits, while specialist visits require a copay of up to $30. For hospital stays, inpatient care carries a $375 daily copay for the first five days and no copay for days 6 through 90, while emergency room visits have a $150 copay. Skilled nursing facility stays are also covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100. Routine preventive services, annual physicals, and home health care are available with no copays or coinsurance. Vision and dental benefits include routine exams with no copay, featuring preventive dental coverage up to a $4,000 annual maximum and a $300 eyewear limit every two years. Durable medical equipment and dialysis services require no copay alongside a 20% coinsurance, ensuring affordable access to essential medical supplies and treatments.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MO-0005 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $375 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional acute hospital days are covered at no copay, but additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS) feature no coinsurance, with copays ranging from no copay to $375 for outpatient hospital services and a $375 daily copay for observation services. Ambulatory surgical center and blood services require no copay and no coinsurance, while outpatient substance abuse sessions feature a copay of $15 for group sessions and up to $25 for individual sessions with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MO-0005 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, although 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
Emergency services are covered by AARP Medicare Advantage from UHC MO-0005 (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 copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC MO-0005 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance, while specialists, therapies, and podiatry have copays up to $30 with no coinsurance. Mental health and psychiatric sessions require copays up to $25 with no coinsurance, and for chiropractic care, some services are covered but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS) with no copay and no coinsurance for annual physicals, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs. Additional preventive services are partially covered with no copay or coinsurance, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC MO-0005 (HMO-POS) partially covers hearing services, offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan covers up to two OTC hearing aids per year with a $199 to $829 copay and no coinsurance, as well as up to two prescription hearing aids with a $199 to $1,249 copay and no coinsurance, excluding inner ear, outer ear, and over the ear models.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS) with no coinsurance and no copays for annual routine exams, contact lenses, and frames, alongside a $300 eyewear limit every two years. Eyeglass lenses are covered with no coinsurance and a $0 to $153 copay, but other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS), with implant services and orthodontics being not covered. Preventive dental care has no copay and no coinsurance up to a $4,000 annual maximum, while Medicare-covered dental services have no copay and 20% coinsurance, and other covered services like restorative and endodontic care require no copay and 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC MO-0005 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and insulin, have no coinsurance up to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC MO-0005 (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 or inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MO-0005 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. There is a $10 copay for diagnostic procedures and tests, a $25 copay for outpatient X-rays, a $60 minimum copay for therapeutic radiological services, and no copay for lab services and diagnostic radiological services.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC MO-0005 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under AARP Medicare Advantage from UHC MO-0005 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. In practice, only some services are covered, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MO-0005 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services under the AARP Medicare Advantage from UHC MO-0005 (HMO-POS) plan are partially covered, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered, and prior authorization is required for the meal benefit.
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