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AARP Medicare Advantage from UHC AL-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 AL-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 AL-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Alabama. 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 AL-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 AL-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 AL-0003 (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 $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 combined Maximum Out-Of-Pocket cost of $5900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $5900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 AL-0003 (HMO-POS) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $440.00. During the initial coverage phase, you will have no copay for Tier 1 preferred generic drugs at standard pharmacies, while Tier 2 standard generic drugs require a 19% coinsurance. Tier 3 preferred brand drugs and Tier 4 non-preferred drugs require a 41% and 28% coinsurance respectively at standard pharmacies and through standard mail. Once your annual out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Medicare Part D drugs. For those who qualify for the low-income subsidy, the Part D costs are reduced to $0.00. Please review the plan's formulary to confirm specific drug coverage and tier assignments.
Additional Benefits
The AARP Medicare Advantage from UHC AL-0003 (HMO-POS) plan offers comprehensive medical coverage with no copay or coinsurance for primary care visits, preventive care, and home health services. Specialist doctor visits require a low copay of up to $35 with no coinsurance, while inpatient hospital stays require a $395 daily copay for the first several days. Outpatient hospital services and emergency room visits are also covered, though they are subject to copays. Additional benefits include routine dental, vision, and hearing services, featuring no copay for annual eye and hearing exams. Dental care includes no copay for preventive services and a 50% coinsurance for comprehensive care up to a $2,000 annual limit, while eyewear is covered up to $300 every two years. Furthermore, diabetic supplies are available with no copay, while durable medical equipment and dialysis require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. Acute stays require a $395 daily copay for days 1 to 6 and no copay for days 7 to 999, while psychiatric stays require a $395 daily copay for days 1 to 5 and no copay for days 6 to 90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC AL-0003 (HMO-POS) with no coinsurance, including no copay for ambulatory surgical center and blood services. Patients will pay a copay of $0 to $395 for outpatient hospital services, $395 per day for observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, although prior authorization is required. Transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC AL-0003 (HMO-POS) with a $130 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 $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance. Specialist visits, therapy, and mental health services require copays ranging from no copay up to $35 and no coinsurance, while chiropractic benefits are only partially covered as routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC AL-0003 (HMO-POS) with no copay or coinsurance for covered services like annual physical exams, fitness benefits, and home safety devices. Sub-services that are not covered include health education, weight management, alternative therapies, therapeutic massage, counseling, adult day health, personal emergency response systems, and nutritional/dietary benefits.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC AL-0003 (HMO-POS), with fitting/evaluation for hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids excluded from coverage. Routine exams are available with no copay and no coinsurance, while covered prescription hearing aids require a $199 to $1,249 copay and OTC hearing aids require a $199 to $829 copay, both with no coinsurance.
Vision Services See details
Vision services are covered by AARP Medicare Advantage from UHC AL-0003 (HMO-POS), featuring annual routine eye exams with no copay and no coinsurance. Eyewear is partially covered with no coinsurance up to a $300 limit every two years, offering contact lenses and eyeglass frames with no copay and eyeglass lenses with a $0 to $153 copay, while upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC AL-0003 (HMO-POS), excluding implant services and orthodontics. Preventive services feature no copay and no coinsurance, while covered comprehensive services require a 50% coinsurance and no copay, both subject to a $2,000 annual maximum. Medicare-covered dental services require a 20% coinsurance and no copay.
Home Infusion bundled Services See details
Home infusion bundled services are covered under AARP Medicare Advantage from UHC AL-0003 (HMO-POS), subject to prior authorization and step therapy. Covered Medicare Part B insulin drugs require a $35 copay and from no coinsurance up to 20% coinsurance, while chemotherapy, radiation, and other Part B drugs have no copay and from no coinsurance up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC AL-0003 (HMO-POS) with 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment benefits are covered by AARP Medicare Advantage from UHC AL-0003 (HMO-POS), with durable medical equipment, prosthetics, and diabetic shoes requiring a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for these medical equipment services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) covers diagnostic and radiological services, with prior authorization required. Lab services feature no copay or coinsurance, diagnostic tests require a $50 copay with no coinsurance, and outpatient X-rays cost a $30 copay with no coinsurance. Diagnostic radiology ranges from no copay up to a $240 copay with no coinsurance, while therapeutic radiology requires a 20% coinsurance and no copay.
Home Health Services See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) technically covers Cardiac Rehabilitation Services, meaning some services are covered, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered. Prior authorization is required for any covered services, and copayments may apply depending on the specific service.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services, requiring prior authorization with no coinsurance, no copay for days 1 to 20, and a $218 daily copay for days 21 to 100. Additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture and dual eligible SNPs with highly integrated services are not covered under this plan.
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