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AARP Medicare Advantage from UHC MO-0006 (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-0006 (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-0006 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MO-0006 (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-0006 (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-0006 (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-0006 (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 $520.00 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 $4500.00 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-0006 (HMO-POS) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, you will pay no copay for standard pharmacy fills and preferred or standard mail orders. Tier 2 generic medications cost a $10 copay for a one-month standard pharmacy supply, though you can get a three-month supply with no copay when using preferred mail order. Higher-tier prescription drugs are covered under coinsurance rates rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs carry a 39% coinsurance and Tier 5 specialty drugs require a 27% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC MO-0006 (HMO-POS) plan offers comprehensive healthcare coverage with no copay for primary care visits, telehealth, and routine preventive services. For inpatient hospital stays, members pay no coinsurance and a $395 daily copay for the first six days, with no copay starting on day seven. Emergency care is covered with a $130 copay, which is waived if admitted, while urgent care ranges from no copay to $50. Additional benefits include routine dental, vision, and hearing services, featuring no copay for annual cleanings, routine eye exams, and routine hearing exams. The plan also provides a $300 eyewear allowance every two years and covers home health care and over-the-counter items with no copay. Other essential medical services, such as durable medical equipment and dialysis, are covered with a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) covers inpatient acute hospital stays with no coinsurance and a $395 daily copay for days 1 through 6, and no copay for day 7 and beyond. Inpatient psychiatric hospital stays are also covered with no coinsurance and a $395 daily copay for days 1 through 5, though upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC MO-0006 (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Medicare-covered outpatient hospital and observation services require a copay of $0 to $395, while outpatient substance abuse sessions have a copay of $0 to $25, with prior authorization required for these benefits.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC MO-0006 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. While transportation benefits are technically covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from no copay to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance. None of these cost-sharing amounts apply to a plan-level deductible.
Primary Care See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) covers primary care physician visits, telehealth, and opioid treatment with no copay and no coinsurance. Other services like specialist visits, mental health, and physical therapy require copays ranging from $0 to $45 with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC MO-0006 (HMO-POS) with no copay and no coinsurance for annual physical exams, kidney disease education, and various screenings. Covered additional benefits include fitness programs and home safety devices with no copay and no coinsurance, while services such as health education, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) partially covers hearing services with no deductibles, offering one annual routine hearing exam with no copay and no coinsurance. Prescription hearing aids carry a copay of $199.00 to $1249.00 and OTC hearing aids carry a copay of $199.00 to $829.00, both with no coinsurance for up to two devices yearly. Fitting and evaluation exams, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) partially covers vision services with no deductible and no coinsurance, providing one routine eye exam per year with no copay, though other eye exams are not covered. Eyewear is covered up to a $300 maximum every two years with no copay for contacts and frames, and a $0 to $153 copay for lenses, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC MO-0006 (HMO-POS) plan, featuring no copay and no coinsurance for preventive care like exams and cleanings, and no copay with 20% coinsurance for Medicare-covered dental. However, restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and other drugs, require a 0% to 20% coinsurance, while Part B insulin drugs have a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC MO-0006 (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-0006 (HMO-POS) covers diagnostic services with no coinsurance, requiring a $50 copay for diagnostic tests and no copay for lab services. Covered radiological services include outpatient X-rays for a $30 copay, diagnostic radiology with no copay, and therapeutic radiology with a 20% minimum coinsurance, with prior authorization required for all services.
Home Health Services See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC MO-0006 (HMO-POS) with no copay and no coinsurance, although prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC MO-0006 (HMO-POS) with no coinsurance, though additional days beyond the standard Medicare limit are not covered. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with prior authorization required and no prior three-day hospital stay necessary.
Other Services See details
AARP Medicare Advantage from UHC MO-0006 (HMO-POS) partially covers other services, offering Over-the-Counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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