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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 $4200.00 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-0003 (HMO-POS) plan has an annual drug deductible of $440. For Tier 1 preferred generic drugs, there is no copay for standard pharmacy fills or three-month mail orders. Tier 2 generic drugs cost a $10 copay for a one-month supply at standard pharmacies, but you can receive a three-month supply with no copay via preferred mail order. Tier 3 preferred brand drugs require a 17% coinsurance for both standard pharmacy and mail-order fills. Higher-tier medications are subject to coinsurance rather than copays, with Tier 4 non-preferred drugs carrying a 43% coinsurance and Tier 5 specialty drugs requiring a 28% coinsurance.
Additional Benefits
The AARP Medicare Advantage from UHC OH-0003 (HMO-POS) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copay and no coinsurance for primary care visits, telehealth, and preventive services. For specialized care, specialist visits range from no copay to a $35 copay, while inpatient hospital stays require a $395 daily copay for the first six days and no copay thereafter. Emergency care is available with a $150 copay, which is waived upon admission, alongside fully covered worldwide emergency services. This plan also includes valuable dental, vision, and hearing benefits to support your overall wellness. Routine hearing and vision exams, as well as preventive dental care, are available with no copay, and dental services feature a $2,000 annual limit with up to 50% coinsurance for comprehensive care. Additionally, the plan covers home health services with no copay and provides a $300 vision benefit limit every two years for eyewear.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) offers partially covered inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1 through 6 and no copay for days 7 and beyond for Medicare-covered acute and psychiatric stays. Prior authorization is required, but upgrades 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 no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $395, observation services carry a $395 daily copay, and outpatient substance abuse individual and group sessions range from a $0 to $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS), featuring a $275 copay and no coinsurance for both ground and air ambulance services, which require prior authorization. Routine transportation services, including trips to plan-approved or any other health-related locations, are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require no coinsurance and range from no copay to a $65 copay, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $35 copay and therapy services require a $20 copay, both with no coinsurance. Mental health, psychiatric, and podiatry services feature copays up to $35 with no coinsurance, and while some chiropractic services are covered with a $20 copay and no coinsurance, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physicals, kidney education, fitness benefits, and home safety devices. Sub-services not covered under this plan include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS), with routine exams covered at no copay and no coinsurance, prescription hearing aids covered with a $199.00 to $1,249.00 copay and no coinsurance, and OTC hearing aids covered with a $199.00 to $829.00 copay and no coinsurance. However, fitting and evaluation for hearing aids, along with inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS), offering one routine eye exam per year and contact lenses with no copay and no coinsurance. Eyeglass frames feature no copay and lenses have a $0 to $153 copay under a combined $300 benefit limit every two years with no deductible, though upgrades, other eye exams, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) provides partially covered dental services up to a $2,000 annual limit, excluding implant services and orthodontics. Preventive and diagnostic care is available with no copay and no coinsurance, while Medicare-covered dental has no copay and 20% coinsurance, and covered comprehensive services have no copay and 50% coinsurance.
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. Associated Medicare Part B chemotherapy, radiation, and other drugs incur a 0% to 20% coinsurance, while Medicare Part B insulin drugs have 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 is covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with prior authorization required. Durable medical equipment, prosthetics, and medical supplies feature no copay and a 20% coinsurance, while diabetic supplies have no copay and diabetic therapeutic shoes or inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS), with diagnostic tests requiring a $50 copay and no coinsurance, while lab services and diagnostic radiology have no copay and no coinsurance. Outpatient X-rays incur a $30 copay, and therapeutic radiological services require a 20% coinsurance, with prior authorization required for all of these services.
Home Health Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers home health services 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, though prior authorization is required. However, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) 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, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC OH-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 and other additional services are not covered under this plan, and prior authorization is required for the meal benefit.
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