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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 2025, 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 2025.
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 $22.00. 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 $340.00 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 MO-0005 (HMO-POS) plan has a $340 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, you will pay an $8 copay for a preferred generic at a standard pharmacy. For preferred brand drugs, you will pay a $100 copay, no matter the pharmacy. Once your total yearly drug costs reach $2000, you enter the catastrophic coverage phase, and you pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC MO-0005 (HMO-POS) plan offers comprehensive coverage with varying costs. Inpatient hospital stays have a $325 copay for days 1-6, and no copay for days 7-90. Outpatient services and primary care have no copay for many services, but some services like specialist visits, chiropractic, and mental health services have copays between $0 and $30 and require prior authorization. This plan also includes benefits like emergency services with a $140 copay, ambulance services with a $275 copay, and preventive services with no copay. Additionally, it offers vision and hearing services, including eye exams and hearing exams with no copay, and dental services with no copay for many services. The plan also includes coverage for home health, medical equipment, and skilled nursing facilities, with varying cost-sharing structures.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care with a copay of $325 for days 1-6, and no copay for days 7-90. Additional days for inpatient hospital-acute have no copay for days 91-999. Non-Medicare-covered stays and upgrades are not covered, and additional days for inpatient hospital psychiatric are not covered.
Outpatient Services See details
Outpatient Services, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services, are covered. Outpatient Hospital Services have a copay between $0 and $325, Observation Services have a $325 copay, Ambulatory Surgical Center Services have no copay, Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25, Group Sessions for Outpatient Substance Abuse have a $15 copay, and Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC MO-0005 (HMO-POS) plan, with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS). Ground and air ambulance services have a $275 copay, with no coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered under the AARP Medicare Advantage from UHC MO-0005 (HMO-POS) plan. Emergency Services has a copay of $140, while Urgently Needed Services has a copay between $0 and $65; both have no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay and no coinsurance.
Primary Care See details
Primary Care Physician Services have no copay, while Chiropractic Services have a $20 copay and require prior authorization, and routine chiropractic care is not covered. Occupational Therapy Services have a copay between $0 and $30, and require authorization. Physician Specialist Services have a copay between $0 and $30, and require prior authorization. Mental Health Specialty Services have a copay, including $0-$25 for individual sessions and $15 for group sessions, and require prior authorization. Podiatry Services, including routine foot care, have a $30 copay, with routine foot care limited to 6 visits per year and requires prior authorization. Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, and Opioid Treatment Program Services have a copay between $0 and $30, and require prior authorization. Additional Telehealth Benefits have no copay.
Preventive Services See details
Preventive Services are covered, including an annual physical exam with no copay. Other preventive services, like fitness benefits, remote access technologies, and home and bathroom safety devices and modifications, are covered with no copay. Some services, like health education, are not covered.
Hearing Services See details
The AARP Medicare Advantage from UHC MO-0005 (HMO-POS) plan offers hearing services including hearing exams with no copay, and prescription hearing aids with a copay between $199 and $1249 depending on the type of aid. Fitting/evaluation for hearing aids, and hearing aids for inner, outer, and over the ear are not covered. OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
Vision Services includes eye exams and eyewear benefits. Eye exams have no copay, and eyewear has a combined maximum of $250 every two years, with no copay for contact lenses and eyeglass frames. Eyeglass lenses have a copay between $0 and $153. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services are covered, with 20% coinsurance for Medicare Dental Services. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, and oral and maxillofacial surgery have no copay. Prosthodontics (removable and fixed) have a coinsurance of 0-50%. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered and require prior authorization. For Medicare Part B Insulin Drugs, you will pay a $35 copay and between 0% and 20% coinsurance. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, you will pay between 0% and 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC MO-0005 (HMO-POS) plan, but require prior authorization. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with 20% coinsurance and Prosthetics/Medical Supplies, with 20% coinsurance. Diabetic Equipment includes Diabetic Supplies with no copay and Diabetic Therapeutic Shoes/Inserts with 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for diagnostic procedures and tests with a copay of $50, lab services with no copay, and diagnostic radiological services with a copay of at most $200.00. Therapeutic Radiological Services have a coinsurance of at most 20%, and outpatient X-ray services have a copay of $25.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS) with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required for this benefit, and the copay information is available in the plan details.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC MO-0005 (HMO-POS), but require prior authorization. There is no copay for days 1-20, but there is a $203 copay for days 21-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) Items and Meal Benefits, with no copay for OTC items. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and other services such as Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services are not covered.
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