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AARP Medicare Advantage from UHC OR-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 OR-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 OR-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OR-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 Oregon. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC OR-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 OR-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 OR-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $69.00. 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 $355.00 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 $5200.00 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 OR-0003 (HMO-POS) prescription drug plan features an annual deductible of $355. For Tier 1 preferred generic drugs, members enjoy no copay for 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs require a low $5 copay for a 1-month supply at standard pharmacies, but there is no copay for a 3-month supply filled via preferred mail order. Higher-tier medications are covered under a coinsurance structure rather than flat copayments. Tier 3 preferred brand drugs require a 20% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs and Tier 5 specialty drugs require 40% and 29% coinsurance respectively for a 1-month supply across standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC OR-0003 (HMO-POS) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copays for primary care visits, home health services, and routine preventive care. For specialist visits, patients will pay a low copay of $0 to $35, while outpatient hospital services range from no copay up to a $425 copay. Inpatient hospital stays require a $425 daily copay for the first five days, after which there is no copay for the remainder of a standard Medicare-covered stay. This plan also includes valuable supplemental benefits, such as routine dental, vision, and hearing exams with no copays. Vision benefits provide a $300 eyewear allowance every two years, and diagnostic dental services are covered with no copay up to a $1,500 annual limit. Other essential services like medical equipment and dialysis require no copay and a standard 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $425 daily copay for days 1 through 5 and no copay for days 6 through 90 for both acute and psychiatric stays. Unlimited additional acute 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 OR-0003 (HMO-POS) covers outpatient services with no coinsurance, featuring a copay of $0 to $425 for outpatient hospital services and a $425 daily copay for observation services. Ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) 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
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC OR-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 copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) covers primary care physician visits and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $35 copay and no coinsurance. Therapy, mental health, and podiatry services are covered with copays ranging from $0 to $35 and no coinsurance, while chiropractic care is partially covered with a $10 copay and no coinsurance for routine care as other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) features partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, and fitness benefits. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access, home modifications, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC OR-0003 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (excluding inner ear, outer ear, and over the ear models) and two OTC hearing aids are covered annually with no coinsurance and copays ranging from $199.00 to $1,249.00 and $199.00 to $829.00 respectively.
Vision Services See details
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) provides partially covered vision services with no deductibles and no coinsurance, featuring one routine eye exam per year with no copay. Eyewear benefits include a $300 combined maximum coverage limit every two years with no copay for contact lenses or frames, and a $0 to $153 copay for lenses, while upgrades, other eye exams, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) partially covers dental services, excluding implant services and orthodontics. Diagnostic and preventive services have no copay and no coinsurance up to a $1,500 annual maximum. Medicare-covered dental services require no copay and 20% coinsurance, while other covered comprehensive services require no copay and 50% coinsurance, both requiring prior authorization.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC OR-0003 (HMO-POS) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs have no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC OR-0003 (HMO-POS) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) covers medical equipment, including 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 and inserts carry a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC OR-0003 (HMO-POS) with no coinsurance. Diagnostic tests require a $20 copay, outpatient X-rays have a $30 copay, and therapeutic radiology services start at an $80 copay, while lab services and certain diagnostic radiology services have no copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC OR-0003 (HMO-POS) plan 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 OR-0003 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, 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
AARP Medicare Advantage from UHC OR-0003 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with no coverage provided for additional days beyond the Medicare-covered limit.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC OR-0003 (HMO-POS), which includes up to 12 acupuncture treatments per year for a $10 copay and no coinsurance. The plan also covers chronic illness meal benefits with no copay and no coinsurance under prior authorization, but Over-the-Counter (OTC) items are not covered.
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