A non-government entity
AARP Medicare Advantage from UHC MO-0007 (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-0007 (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-0007 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MO-0007 (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-0007 (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-0007 (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-0007 (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 Maximum Out-Of-Pocket cost of $4000.00 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:
Sign up for AARP Medicare Advantage from UHC MO-0007 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC MO-0007 (HMO-POS) plan features an annual drug deductible of $440. Under this plan, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies and through mail order. Tier 2 generic drugs are also highly affordable, featuring a $10 copay for a one-month supply at standard pharmacies and no copay for a three-month supply when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than set copays. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 39% and 28% coinsurance respectively for a one-month supply. These structured costs help you easily anticipate your prescription expenses when choosing this Medicare Advantage plan.
Additional Benefits
The AARP Medicare Advantage from UHC MO-0007 (HMO-POS) plan offers robust coverage with no copays for primary care visits, telehealth, preventive dental care, and routine eye and hearing exams. For inpatient hospital stays, members pay a daily copay of $395 for the first six days and no copay for days seven through ninety. Specialist visits, diagnostic tests, and urgent care are also highly affordable, requiring low copays and no coinsurance. Emergency care is covered with a $150 copay, which is waived if you are admitted to the hospital within 24 hours. While home health services and over-the-counter items are available with no copay, other medical needs like dialysis and durable medical equipment require a 20% coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits under AARP Medicare Advantage from UHC MO-0007 (HMO-POS) are partially covered with no coinsurance, requiring a $395 daily copay for days 1 through 6 and no copay for days 7 through 90 per stay. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) outpatient services are covered with no coinsurance, though prior authorization is required for most services. You will pay no copay for ambulatory surgical center and blood services, copays ranging from $0 to $25 for outpatient substance abuse sessions, and copays up to $395 for outpatient hospital and daily observation services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services through AARP Medicare Advantage from UHC MO-0007 (HMO-POS) include covered ground and air ambulance services with a $290 copay and no coinsurance, which require prior authorization. However, transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC MO-0007 (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 copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance. Specialist visits, physical and occupational therapy, and mental health services are covered with copays ranging from $0 to $40 and no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC MO-0007 (HMO-POS), featuring no copay and no coinsurance for covered options like annual physical exams, kidney disease education, glaucoma screenings, fitness benefits, and home safety modifications. However, several supplemental services, including health education, nutritional therapy, and personal emergency response systems, are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) partially covers hearing services with no deductibles and no coinsurance. Routine hearing exams are covered with no copay (limit one per year), but fitting and evaluation exams are not covered. Up to two prescription or OTC hearing aids are covered per year with no coinsurance and copays ranging from $199 to $1,249, though inner ear, outer ear, and over the ear prescription aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) partially covers vision services with no coinsurance, featuring no copay for annual routine eye exams, contact lenses, and eyeglass frames, while eyeglass lenses have a copay ranging from $0 to $153. Other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered, and covered eyewear benefits have a combined maximum coverage of $200 every two years.
Dental Services See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) provides partially covered dental services, with no coverage for implant services or orthodontics. Preventive and diagnostic care is available with no copay and no coinsurance up to a $1,000 yearly limit, while Medicare-covered dental requires a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC MO-0007 (HMO-POS) with no copay, subject to prior authorization. Associated Medicare Part B drugs, including chemotherapy and radiation, incur no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
The AARP Medicare Advantage from UHC MO-0007 (HMO-POS) plan covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC MO-0007 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance, with prior authorization required.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) covers diagnostic services with no coinsurance, offering lab services with no copay and diagnostic procedures or tests for a $50 copay. Covered radiological services require prior authorization and include outpatient X-rays for a $30 copay plus coinsurance, diagnostic radiology with copays starting at $0, and therapeutic radiology with a copay and minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC MO-0007 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC MO-0007 (HMO-POS) plan, as none of the associated sub-services, including pulmonary and intensive cardiac rehabilitation, are covered in practice. Because these services are not covered by the plan, there are no applicable copays or coinsurance for members.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and does not require a prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and prior authorization is required.
Other Services See details
AARP Medicare Advantage from UHC MO-0007 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved