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AARP Medicare Advantage from UHC KC-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 KC-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 KC-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC KC-0003 (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 and Kansas. 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 KC-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 KC-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 KC-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $49.00. 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 $3800.00 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 KC-0003 (HMO-POS) plan features an annual prescription drug deductible of $440. You will pay no copay for Tier 1 preferred generic drugs at standard pharmacies as well as through mail-order services. For Tier 2 generic drugs, there is an $8 copay for a 1-month standard pharmacy supply, but you can get a 3-month supply with no copay by using preferred mail order. Higher-tier medications under this plan are subject to coinsurance rather than flat copayments. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs carry a 40% coinsurance for a 1-month supply. Tier 5 specialty drugs require a 28% coinsurance across standard pharmacies and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC KC-0003 (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care and telehealth visits. Specialist visits require no copay to a $30 copay, while inpatient hospital stays carry a $350 daily copay for the first 6 days and no copay thereafter. Emergency room visits have a $150 copay, which is waived upon hospital admission, and standard outpatient services feature no coinsurance. For supplemental care, this plan features no copay for routine dental, vision, and hearing exams, including up to a $4,000 annual limit on preventive dental services. Prescription hearing aids and vision lenses carry varying copays, while durable medical equipment and dialysis services require a 20% coinsurance. Additionally, members can access home health care, cardiac rehabilitation, and over-the-counter items with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital care is partially covered by AARP Medicare Advantage from UHC KC-0003 (HMO-POS) with no coinsurance, though prior authorization is required. For both acute and psychiatric stays, there is a $350 daily copay for days 1 through 6 and no copay for days 7 through 90, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC KC-0003 (HMO-POS) covers outpatient services with no coinsurance, including a $0 to $350 copay for outpatient hospital services and a $350 daily copay for observation services. Covered ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse services carry a $0 to $25 copay and no coinsurance.
Partial Hospitalization See details
The AARP Medicare Advantage from UHC KC-0003 (HMO-POS) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage from UHC KC-0003 (HMO-POS) with a $290.00 copay and no coinsurance for ground and air transports, which require prior authorization. While transportation is technically covered, some services are covered but transportation to plan-approved health-related locations or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC KC-0003 (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 have a copay ranging from $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
Primary care benefits under AARP Medicare Advantage from UHC KC-0003 (HMO-POS) feature no copay and no coinsurance for primary care provider and telehealth visits, though chiropractic services are not covered. Specialist visits require a $0 to $30 copay, while physical therapy and podiatry services have a $30 copay, all with no coinsurance.
Preventive Services See details
Preventive services are partially covered under the AARP Medicare Advantage from UHC KC-0003 (HMO-POS) plan, featuring no copay and no coinsurance for covered options like annual physical exams, fitness benefits, and kidney disease education. While many standard screenings are included at no cost, several supplemental services such as health education, nutritional counseling, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC KC-0003 (HMO-POS) with no deductible. Routine hearing exams have no copay and no coinsurance, but fitting and evaluation exams are not covered. Prescription hearing aids have a $199 to $1,249 copay and no coinsurance, and OTC hearing aids have a $199 to $829 copay and no coinsurance, though inner ear, outer ear, and over the ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC KC-0003 (HMO-POS), featuring one annual routine eye exam (prior authorization required) with no copay, no coinsurance, and no deductible, while other eye exam services are not covered. Eyewear is covered with no coinsurance or deductible up to a $200 limit every two years, with no copay for contacts and frames and a $0 to $153 copay for lenses, though upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC KC-0003 (HMO-POS), excluding implant services and orthodontics. Preventive and diagnostic services feature no copay and no coinsurance up to a $4,000 annual limit, while Medicare-covered services require no copay and a 20% coinsurance, and covered comprehensive services require no copay and a 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC KC-0003 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Under this plan, Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs carry a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC KC-0003 (HMO-POS) plan with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC KC-0003 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC KC-0003 (HMO-POS) covers diagnostic and radiological services, with prior authorization required for both. Diagnostic tests require a $50 copay with no coinsurance, lab and diagnostic radiological services have no copay, outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiological services have a minimum 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage from UHC KC-0003 (HMO-POS) plan covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC KC-0003 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered under this plan, cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC KC-0003 (HMO-POS) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day hospital stay is not necessary, additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC KC-0003 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though meals require prior authorization. Acupuncture and other additional services are not covered under this plan.
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