A non-government entity
AARP Medicare Advantage Essentials from UHC OH-2 (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 OH-2 (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 OH-2 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC OH-2 (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. 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 OH-2 (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 OH-2 (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 OH-2 (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 $520.00 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 $5400.00 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 Essentials from UHC OH-2 (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 Essentials from UHC OH-2 (HMO-POS) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies or mail-order services. Tier 2 generic drugs cost a $12 copay for a 1-month supply at standard pharmacies, but you can secure a 3-month supply with no copay through preferred mail order. Tier 3 preferred brand drugs require a 16% coinsurance for both 1-month and 3-month supplies at standard pharmacies and mail-order options. For Tier 4 non-preferred drugs and Tier 5 specialty drugs, you will pay a 40% and 27% coinsurance respectively for a 1-month supply. These cost-sharing tiers provide a clear outline of what to expect for your prescription medication costs under this plan.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) plan offers robust medical coverage with no coinsurance for many core healthcare services. Beneficiaries will pay no copay for primary care, telehealth visits, and routine preventive care. Inpatient acute hospital stays require a $395 copay for days one through six and no copay after, while emergency room visits have a $130 copay that is waived upon admission. For specialty care, routine dental, vision, and hearing exams are covered with no copay or coinsurance. Prescription hearing aids require copays ranging from $199 to $1,249, while covered eyewear features a $200 allowance every two years. Home health care and diagnostic lab services are also highly accessible, requiring no copay and no coinsurance.
Inpatient Hospital See details
Inpatient Hospital care under the AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) plan is covered with no coinsurance, though prior authorization is required. Medicare-covered acute stays require a $395 copay for days 1 through 6 and no copay for days 7 and beyond, while psychiatric stays require a $395 copay for days 1 through 5 and no copay for days 6 through 90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) covers outpatient services with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital copays range from $0 to $395, observation services carry a $395 daily copay, and outpatient substance abuse sessions have copays between $0 and $25.
Partial Hospitalization See details
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature 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
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $40 copay with no coinsurance. Physical, occupational, and speech therapies have a $30 copay with no coinsurance, whereas chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) provides partially covered preventive services with no copay and no coinsurance for covered options such as annual physical exams, kidney disease education, and a fitness benefit. Several additional benefits 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 OH-2 (HMO-POS) covers annual routine hearing exams with no copay, no coinsurance, and no deductible, though hearing aid fitting and evaluation services are not covered. Prescription hearing aids are covered with a $199 to $1,249 copay and no coinsurance (excluding inner ear, outer ear, and over-the-ear types), while OTC hearing aids require a $199 to $829 copay and no coinsurance. Both hearing aid benefits are limited to two devices per year with no deductible, though prior authorization is required for exams and prescription devices.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS), with other eye exam services, combined eyeglasses (lenses and frames), and upgrades not covered. Covered routine exams have no copay and no coinsurance, while covered eyewear has no coinsurance, a $200 maximum limit every two years, and copays ranging from no copay up to $153.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS), with preventive care such as exams, cleanings, fluoride, and x-rays requiring no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, but comprehensive services—including restorative, endodontics, periodontics, prosthodontics, implants, and oral surgery—are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) plan 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 Essentials from UHC OH-2 (HMO-POS), with prior authorization required for most items. There is no copay for durable medical equipment (DME), prosthetics, medical supplies, and diabetic supplies, while a 20% coinsurance applies to DME, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) covers diagnostic and radiological services with prior authorization, offering lab services and diagnostic radiology at no copay and no coinsurance. Other covered services require a copay or coinsurance, including a $25 copay for diagnostic tests, a $20 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required for these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered in practice by the AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) plan, as intensive cardiac, pulmonary, and SET for PAD rehabilitation services are excluded. Although the plan technically offers these services with no copay and no coinsurance, none of the specific sub-services are covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) with no coinsurance, requiring no copay for days 1-20 and a $218 daily copay for days 21-100. Prior authorization is required, no prior three-day hospital stay is needed, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS) partially covers other services, providing a chronic illness meal benefit with no copay and no coinsurance, although prior authorization is required. Acupuncture and Over-the-Counter (OTC) items are not covered under this plan.
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