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AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Essentials from UHC KC-6 (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 Essentials from UHC KC-6 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Select Counties in Kansas and Missouri. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Essentials from UHC KC-6 (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 Essentials from UHC KC-6 (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 Essentials from UHC KC-6 (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 $3900.00 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 Essentials from UHC KC-6 (HMO-POS) plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs carry a $10 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay through preferred mail order. Higher-tier medications are covered under coinsurance rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs have a 42% coinsurance. For Tier 5 specialty drugs, members are responsible for a 28% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) plan offers comprehensive medical coverage, including no copay and no coinsurance for primary care visits, telehealth, and preventive services. For specialized medical needs, members pay a copay ranging from no copay to $30 for specialists, while inpatient hospital stays require a $350 daily copay for days 1 through 6 and no copay for days 7 through 90. Emergency room visits carry a $150 copay, which is waived upon hospital admission, and urgent care ranges from no copay to $65. Routine vision exams and preventive dental care are covered with no copay, although comprehensive dental services are not covered under this plan. Hearing health benefits include a routine annual exam with no copay, alongside prescription and over-the-counter hearing aids starting at a $199 copay. Home health services are fully covered with no copay, while durable medical equipment and dialysis services require a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) covers inpatient hospital care with no coinsurance, requiring a $350 daily copay for days 1 through 6 and no copay for days 7 through 90. While unlimited additional acute hospital days are covered at no copay, additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital services require a copay of $0 to $350 (including $350 per day for observation services), while outpatient substance abuse services have copays ranging from $0 to $25 depending on the session type.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS), with ground and air ambulance services requiring a $290 copay and no coinsurance, subject to prior authorization. Transportation services to plan-approved or any health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC KC-6 (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 require a copay ranging from no copay 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 are covered by AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) with no copay and no coinsurance for primary care and telehealth, while specialists require a $0 to $30 copay and no coinsurance. Therapy and podiatry services feature a $30 copay, mental health individual sessions range from a $0 to $25 copay, and all have no coinsurance, though some chiropractic services are covered but routine and other chiropractic services are not.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) with no copay and no coinsurance for covered benefits such as annual physical exams, fitness benefits, and kidney disease education. However, many additional preventive services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) partially covers hearing services with no deductible, offering one annual routine hearing exam with no copay and no coinsurance. Prescription hearing aids (limit of 2 per year) have a copay of $199.00 to $1,249.00, and OTC hearing aids (limit of 2 per year) have a copay of $199.00 to $829.00, both with no coinsurance. Hearing aid fittings and evaluations, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS), offering no copay and no coinsurance for an annual routine eye exam, while other eye exams are not covered. For eyewear, there is no coinsurance and a $0 copay for contacts and frames, with a $0 to $153 copay for lenses, up to a $150 combined limit every two years; upgrades are not covered.
Dental Services See details
AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) provides partially covered dental services, offering preventive care with no copay and no coinsurance, and Medicare-covered dental with no copay and 20% coinsurance. Comprehensive dental services, including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics, are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) covers diagnostic services with no coinsurance, offering no copay for lab services and a $50 copay for diagnostic procedures. Covered radiological services require prior authorization and include a $30 copay for outpatient X-rays, a minimum 20% coinsurance for therapeutic radiology, and a minimum of no copay for diagnostic radiology.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered under the AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS) plan with no copay and no coinsurance, subject to prior authorization. Although some services are covered, specific benefits including Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage Essentials from UHC KC-6 (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, a prior three-day hospital stay is not, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS), which offers a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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