A non-government entity
AARP Medicare Advantage Essentials from UHC OH-6 (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-6 (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-6 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC OH-6 (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-6 (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-6 (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-6 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $41.00. 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 $355.00 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:
Sign up for AARP Medicare Advantage Essentials from UHC OH-6 (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-6 (HMO-POS) plan has an annual prescription drug deductible of $355. Tier 1 preferred generic drugs feature no copay for 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs require a $5 copay for a 1-month standard pharmacy supply, though you can get a 3-month supply with no copay through preferred mail order. For brand-name and specialty medications, costs are based on coinsurance. Tier 3 preferred brand drugs require a 20% coinsurance for both standard pharmacies and mail-order options. Tier 4 non-preferred drugs carry a 43% coinsurance, while Tier 5 specialty drugs require a 29% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, telehealth, and routine preventive services. For more intensive care, inpatient hospital stays require a $325 daily copay for days one through six and no copay thereafter, while outpatient services feature no coinsurance and variable copays up to $325. Emergency care is available with a $150 copay, which is waived upon hospital admission, and specialist visits require affordable copays between $0 and $30. Additionally, members benefit from routine dental, vision, and hearing exams with no copays or coinsurance, alongside a $1,000 annual limit for preventive dental care. Other essential services, including home health care, over-the-counter items, and chronic illness meals, are covered with no copay and no coinsurance. While durable medical equipment and dialysis require a 20% coinsurance, the plan keeps overall out-of-pocket costs predictable with set copays for hearing aids, eyewear, and skilled nursing facilities.
Inpatient Hospital See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $325 daily copay for days 1 through 6 and no copay for days 7 through 90. Unlimited additional acute care days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services covered by the AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) feature no coinsurance, though prior authorization is required for most care. Beneficiaries pay no copay for ambulatory surgical center and blood services, a $325 daily copay for observation services, and variable copays ranging from $0 to $325 for outpatient hospital and substance abuse services.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) plan, which features a $275 copay and no coinsurance for both ground and air ambulance services, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC OH-6 (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 a copay ranging from $0 to $65 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care and telehealth services are covered by the AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) with no copay and no coinsurance, though chiropractic services are not covered. Other benefits, including specialist visits, physical therapy, and mental health services, require no coinsurance and copays ranging from $0 to $30.
Preventive Services See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) partially covers preventive services with no copay and no coinsurance for covered benefits such as annual physical exams, fitness programs, and glaucoma screenings. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, and nutritional or weight management programs.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS), offering one routine hearing exam annually with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan covers up to two prescription hearing aids (copays of $199.00 to $1249.00) and two OTC hearing aids (copays of $199.00 to $829.00) per year with no coinsurance, but prescription inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS), which provides one routine eye exam annually with no copay and no coinsurance. Covered eyewear includes contact lenses and frames with no copay, and eyeglass lenses with a $0 to $153 copay, up to a $300 combined limit every two years with no coinsurance, while upgrades and other eye exams are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS), featuring preventive care with no copay and no coinsurance up to a $1,000 annual limit. Comprehensive dental services are available with no copay and a 50% coinsurance, while Medicare-covered dental services require no copay and a 20% coinsurance; however, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) plan, with durable medical equipment, prosthetics, and medical supplies requiring a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS), though prior authorization is required. Lab services and diagnostic radiology feature no copay and no coinsurance, while diagnostic procedures and outpatient X-rays require a $25 copay, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered with no copay and no coinsurance under the AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) plan, though the benefit is not covered in practice because intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) with no coinsurance, requiring no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization is required, a three-day prior hospital stay is not required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) partially covers other services, offering chronic illness meal benefits and over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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