A non-government entity
AARP Medicare Advantage from UHC OH-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 OH-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 OH-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OH-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 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-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 OH-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 OH-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $49.00. 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:
Sign up for AARP Medicare Advantage from UHC OH-0003 (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 from UHC OH-0003 (HMO-POS) plan features an annual prescription drug deductible of $440. Under this plan, Tier 1 preferred generic drugs are highly affordable with no copay for standard pharmacy fills or mail-order deliveries. Tier 2 generic medications carry a $10 copay for a one-month supply at standard pharmacies, though you can receive a three-month supply with no copay through preferred mail order. For higher-tier medications, the plan transitions to coinsurance costs during the initial coverage phase. Tier 3 preferred brand drugs require a 17% coinsurance, while Tier 4 non-preferred drugs have a 43% coinsurance. Tier 5 specialty drugs are covered with a 28% coinsurance for a one-month supply across both standard pharmacies and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC OH-0003 (HMO-POS) plan offers robust medical coverage featuring no copay for primary care visits, telehealth services, and annual physicals. For inpatient hospital stays, members pay a $350 daily copay for days one through five and no copay for days six through ninety. Emergency room visits carry a $130 copay, which is waived upon hospital admission, while specialist visits require a copay of only $0 to $40. Additionally, the plan provides valuable routine benefits, including no copay for routine eye exams, annual hearing tests, and preventive dental care. Dental coverage includes up to a $2,500 annual maximum with 50% coinsurance for comprehensive services, while routine eyewear features a $300 limit every two years. Members also benefit from no copay or coinsurance on home health services and over-the-counter items.
Inpatient Hospital See details
Inpatient hospital care is partially covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with no coinsurance, featuring a $350 daily copay for days 1 to 5 and no copay for days 6 to 90. While unlimited additional acute care days are covered with no copay, hospital upgrades, psychiatric additional days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and outpatient blood services with no copay. Outpatient hospital services require a copay of $0 to $350, observation services cost a $350 daily copay, and outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers emergency services 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 ranging from $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 AARP Medicare Advantage from UHC OH-0003 (HMO-POS) include primary care and telehealth visits with no copay and no coinsurance, while specialist and therapy services require a $0 to $40 copay and no coinsurance. Although some chiropractic services are covered, routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) offers partially covered preventive services with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and glaucoma screenings. However, several additional services are not covered, including health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy.
Hearing Services See details
Hearing services are partially covered under the AARP Medicare Advantage from UHC OH-0003 (HMO-POS) plan, which offers one routine hearing exam per year with no copay and no coinsurance, but excludes hearing aid fittings and evaluations. Up to two prescription or OTC hearing aids are covered annually with no coinsurance and copays ranging from $199.00 to $1,249.00, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) partially covers vision services with no deductibles, no coinsurance, and no copay for annual routine eye exams, contact lenses, and frames. Eyeglass lenses are covered with no coinsurance and copays ranging from $0 to $153 up to a $300 combined eyewear limit every two years, while other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS), offering up to a $2,500 annual maximum benefit. Preventive and diagnostic services are available with no copay and no coinsurance, while Medicare-covered services have no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance; 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 OH-0003 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC OH-0003 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) includes durable medical equipment and prosthetics, which feature no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers diagnostic procedures and tests with a $50 copay and no coinsurance, while lab services and diagnostic radiology are covered with no copay and no coinsurance. Outpatient X-rays require a $30 copay, and therapeutic radiological services have a minimum 20% coinsurance, with prior authorization required for these diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC OH-0003 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers some cardiac rehabilitation services with no copay and no coinsurance, subject to prior authorization. However, 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 OH-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, a prior three-day hospital stay is not required, and additional days beyond the standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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