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AARP Medicare Advantage from UHC UT-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 UT-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 UT-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC UT-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 Utah. 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 UT-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 UT-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 UT-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $55.00. 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 $4900.00 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 UT-0003 (HMO-POS) prescription drug plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs cost 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 require coinsurance rather than set copays under this plan. Tier 3 preferred brand drugs carry a 16% coinsurance for standard pharmacies and mail-order options, while Tier 4 non-preferred drugs require 38% coinsurance for a 1-month supply. Additionally, Tier 5 specialty drugs have a 28% coinsurance for a 1-month supply across standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC UT-0003 (HMO-POS) plan offers comprehensive medical coverage featuring no copay and no coinsurance for primary care doctor visits, telehealth, and preventive services. For specialized care, specialist visits require a low copay of $0 to $35, while inpatient hospital stays have a $395 daily copay for the first few days and no coinsurance. Emergency services are covered with a $130 copay, which is waived if you are admitted to the hospital within 24 hours. This plan also provides valuable everyday benefits, including routine hearing and vision exams with no copay, alongside a $200 eyewear allowance every two years. Preventive dental care features no copay up to a $2,000 annual limit, while comprehensive dental services require a 50% coinsurance and durable medical equipment has a 20% coinsurance. Additionally, members can access home health services, over-the-counter items, and chronic illness meals with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital care is covered under the AARP Medicare Advantage from UHC UT-0003 (HMO-POS) plan with no coinsurance, requiring a $395 daily copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, with no copay for remaining days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC UT-0003 (HMO-POS) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Copays range from $0 to $395 for outpatient hospital services, $395 per day for observation services, and $0 to $25 for outpatient substance abuse services, with prior authorization required for most care.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC UT-0003 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage from UHC UT-0003 (HMO-POS) with a $290 copay and no coinsurance for ground and air ambulance services, which require prior authorization. For transportation services, some services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC UT-0003 (HMO-POS) with a $130 copay—which is waived if admitted to the hospital within 24 hours—and no coinsurance. 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
Primary Care benefits under the AARP Medicare Advantage from UHC UT-0003 (HMO-POS) plan offer no copay and no coinsurance for primary care doctor visits, telehealth, and opioid treatment. Specialist visits range from a $0 to $35 copay, therapy services cost a $30 copay, and mental health sessions range from a $0 to $25 copay, all with no coinsurance. While some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC UT-0003 (HMO-POS) covers preventive services, such as annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. Additional preventive services are partially covered, offering fitness benefits and home safety devices with no copay and no coinsurance, while excluding services like health education, weight management, and nutritional counseling.
Hearing Services See details
AARP Medicare Advantage from UHC UT-0003 (HMO-POS) partially covers hearing services with no coinsurance, offering one routine hearing exam per year with no copay, though fitting and evaluation services are not covered. Prescription hearing aids require a $199 to $1,249 copay and OTC hearing aids require a $199 to $829 copay (up to two aids per year with no coinsurance), but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC UT-0003 (HMO-POS) offers partially covered vision services with no coinsurance, including one routine eye exam annually with no copay. Eyewear is covered up to a $200 combined limit every two years with no copay for contacts or frames and a $0 to $153 copay for lenses, though other eye exams, upgrades, and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC UT-0003 (HMO-POS), offering preventive care with no copay and no coinsurance up to a $2,000 annual maximum. Medicare-covered dental services require no copay and a 20% coinsurance, while covered comprehensive services have no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC UT-0003 (HMO-POS) with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no coinsurance to 20% coinsurance, while Medicare Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC UT-0003 (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 UT-0003 (HMO-POS) covers durable medical equipment, prosthetics, medical supplies, and diabetic services with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC UT-0003 (HMO-POS) covers diagnostic and radiological services, offering lab services and diagnostic radiology with no copay and no coinsurance. Diagnostic procedures require a $50 copay with no coinsurance, outpatient X-rays have a $30 copay, and therapeutic radiology is subject to a 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC UT-0003 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are offered by AARP Medicare Advantage from UHC UT-0003 (HMO-POS) with no copay and no coinsurance, subject to prior authorization. While some services are covered, standard 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 UT-0003 (HMO-POS) covers skilled nursing facility (SNF) services 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, and additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
AARP Medicare Advantage from UHC UT-0003 (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 benefit, and prior authorization is required for the meal program.
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