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AARP Medicare Advantage from UHC OH-0001 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC OH-0001 (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 OH-0001 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Ohio and Kentucky. 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 OH-0001 (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 OH-0001 (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 OH-0001 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $76.00. 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 $270.00 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 from UHC OH-0001 (HMO-POS) plan features an annual prescription drug deductible of $270. Under this plan, Tier 1 preferred generic drugs have no copay for standard retail pharmacies and mail-order services. Tier 2 generic drugs cost $8 for a one-month supply at standard pharmacies, though you can get a three-month supply with no copay through preferred mail order. For higher-tier medications, you will pay coinsurance, including 21% for Tier 3 preferred brand drugs at both pharmacies and mail-order services. Tier 4 non-preferred drugs require a 43% coinsurance, while Tier 5 specialty drugs have a 30% coinsurance for a one-month supply. This clear breakdown of copays and coinsurance helps you plan your healthcare budget effectively.
Additional Benefits
The AARP Medicare Advantage from UHC OH-0001 (HMO-POS) plan offers comprehensive coverage with no copays and no coinsurance for primary care, preventive services, home health, and routine vision and hearing exams. Dental care is also highly affordable, featuring no copays or coinsurance for preventive services up to a $5,000 annual maximum, while comprehensive dental care requires a 50% coinsurance. For acute care, members pay a $295 daily copay for the first six days of inpatient hospital stays and a $150 copay for emergency room visits, with no coinsurance required for either. Other essential medical benefits, including diagnostic lab tests, cardiac rehabilitation, and diabetic supplies, are also covered with no copays.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) partially covers inpatient hospital services with no coinsurance and a copay of $295 per day for days 1-6, followed by no copay for days 7-90. While acute and psychiatric stays are covered, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $295 copay for outpatient hospital services and a $295 daily copay for observation services. Ambulatory surgical center and blood services are covered with no copay and no coinsurance, while outpatient substance abuse services require a $15 copay for group sessions and a $0 to $25 copay for individual sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered under the AARP Medicare Advantage from UHC OH-0001 (HMO-POS) plan. Ground and air ambulance services require prior authorization and have a $235 copay with no coinsurance, while transportation services to plan-approved or health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC OH-0001 (HMO-POS) with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $0 to $65 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care services under AARP Medicare Advantage from UHC OH-0001 (HMO-POS) are covered with no copay and no coinsurance, which also applies to telehealth and opioid treatment. Specialist visits, physical, occupational, and speech therapies, mental health, and podiatry services are covered with copays ranging from $0 to $25 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC OH-0001 (HMO-POS) with no copay and no coinsurance for annual physical exams, kidney disease education, fitness benefits, and select screenings. However, several supplemental options are not covered, including health education, personal emergency response systems, medical nutrition therapy, and in-home support.
Hearing Services See details
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) partially covers hearing services, offering one routine hearing exam annually with no copay and no coinsurance, up to two prescription hearing aids with a $199.00 to $1,249.00 copay and no coinsurance, and up to two OTC hearing aids with a $199.00 to $829.00 copay and no coinsurance. Fitting and evaluation for hearing aids, 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 OH-0001 (HMO-POS) covers vision services with no deductible and no coinsurance, including one routine eye exam per year with no copay. Eyewear is covered up to a $300 combined limit every two years with no copay for contact lenses and frames, and a $0 to $153 copay for lenses, though upgrades, other eye exams, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) offers partially covered dental services, with implant services and orthodontics not covered. Preventive dental services feature no copay and no coinsurance up to a $5,000 annual maximum, while Medicare-covered services require no copay and 20% coinsurance, and comprehensive dental services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC OH-0001 (HMO-POS) with no copay, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy and other drugs carry no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC OH-0001 (HMO-POS) with no copays, but a 20% coinsurance applies to durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC OH-0001 (HMO-POS), with prior authorization required. Diagnostic tests require a $30 copay and lab services have no copay, both with no coinsurance, while diagnostic radiology has no copay, outpatient X-rays require a $25 copay, and therapeutic radiology has a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC OH-0001 (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 under the AARP Medicare Advantage from UHC OH-0001 (HMO-POS) plan with no copay and no coinsurance, subject to prior authorization. While some services are covered, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC OH-0001 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and meal benefits for chronic illnesses 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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