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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.
This summary reflects 2026 plan information. Where this plan continues in 2027, the full plan details page links to its 2027 benefits and costs.
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) is a HMO-POS plan offered by Unitedhealthcare of Wisconsin, Inc. available for the 2026 plan year 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 $35.00. 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
Health deductible: information not available.
This plan has a $440.00 drug deductible that applies only to drugs in certain tiers. You pay this amount toward covered prescriptions in those tiers before the plan's cost sharing begins; drugs in the other tiers are not subject to the deductible. See the full plan details page for the tier table.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3400.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $3400.00 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 features an annual drug deductible of $440 and offers savings on Tier 1 preferred generic drugs with no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. For Tier 2 generic medications, you will pay a $10 copay for a 1-month supply at standard pharmacies, while a 3-month supply through preferred mail order has no copay. Brand-name and higher-tier medications require coinsurance instead of flat copays, with Tier 3 preferred brands costing 17% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs require 43% coinsurance, and Tier 5 specialty tier drugs carry a 28% coinsurance for a 1-month supply across 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 preventive exams. Specialist visits are highly affordable with copays ranging from no copay to $25, while inpatient hospital stays require a $295 daily copay for the first six days and no copay for days 7 through 90. Emergency care carries a $150 copay, which is waived if admitted within 24 hours, while urgent care visits range from no copay up to $65. This plan also provides valuable supplemental benefits, including no-copay routine dental, vision, and hearing exams, alongside allowance coverage for eyewear and hearing aids. Home health services, cardiac rehabilitation, and over-the-counter items are covered with no copay or coinsurance. Other essential medical needs, such as durable medical equipment and dialysis, are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $295 daily copay for days 1 to 6 and no copay for days 7 through 90. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with no coinsurance, including no copays for ambulatory surgical center and blood services. Outpatient hospital and observation services require copays ranging from $0 to $295, while outpatient substance abuse services carry copays of $0 to $25 for individual sessions and $15 for group sessions.
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 for these services.
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, requiring prior authorization. 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 $150 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature 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
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers primary care visits and telehealth services with no copay and no coinsurance, while specialist care copays range from $0 to $25 with no coinsurance. Physical, occupational, and speech therapies require a $20 copay with no coinsurance, but chiropractic services are not covered in practice because routine and other chiropractic services are excluded.
Preventive Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. Additional preventive benefits are partially covered with no copay and no coinsurance for fitness programs and home safety devices, though services such as health education, in-home safety assessments, personal emergency response systems, and nutritional therapy are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered for up to two devices per year with no coinsurance and copays ranging from $199.00 to $1,249.00 and $199.00 to $829.00 respectively, though inner ear, outer ear, and over-the-ear prescription models are excluded.
Vision Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) offers partially covered vision services with no deductible, featuring one routine eye exam per year and eyeglass frames or contact lenses with no copay and no coinsurance. Eyeglass lenses are covered with a copay of $0 to $153 and no coinsurance under a $300 combined eyewear limit every two years, while other eye exams, upgrades, and combined 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 preventive care with no copay and no coinsurance, and comprehensive services with no copay and a 50% coinsurance up to a $4,000 annual limit. Medicare-covered dental services require no copay and a 20% coinsurance, while implant and orthodontic services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC OH-0003 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs carry a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs have a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for this covered benefit.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with prior authorization required. Diagnostic tests require a $30 copay and no coinsurance, lab and diagnostic radiological services have no copay and no coinsurance, outpatient X-rays require a $15 copay and coinsurance, and therapeutic radiological services require a copay and 20% coinsurance.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC OH-0003 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. While some services are covered, specific sub-services including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease 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 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 standard 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. However, acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
Plan Providers
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpringSM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
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* 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.
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