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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 $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 $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 $3700.00 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)
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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 standard pharmacy fills, as well as 3-month mail orders. Tier 2 generic drugs require a $5 copay for a 1-month standard pharmacy supply, but you can get a 3-month supply with no copay through preferred mail order. For higher-tier medications, coinsurance rates apply instead of flat copays. Tier 3 preferred brand drugs require a 20% coinsurance for standard pharmacy and mail order fills. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 43% and 29% coinsurance respectively for a 1-month supply across standard pharmacies and mail order services.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) plan offers comprehensive coverage with many services featuring no copays and no coinsurance. Members enjoy no copays for primary care visits, routine eye exams, preventive care, and home health services. For inpatient hospital stays, there is a daily copay of $325 for the first five days and no copay for days six through ninety, while emergency room visits require a $150 copay. Specialist visits carry a copay of up to $30, and diagnostic lab services are available with no copay. Dental benefits feature no copays for preventive services up to a $1,000 limit, while dialysis, durable medical equipment, and Part B drugs generally require a 20% coinsurance. Additionally, the plan provides a $300 eyewear allowance and predictable copays for prescription hearing aids.
Inpatient Hospital See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) covers inpatient hospital stays with no coinsurance, requiring a $325 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional acute care days are covered at no copay, but psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) with no coinsurance across all services, including no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $325 (including a $325 daily copay for observation services), while outpatient substance abuse services feature no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Essentials from UHC OH-6 (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-6 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. 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 room visits with a $150 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay of $0 to $65 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-6 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance, while specialist visits require a $0 to $30 copay with no coinsurance. Physical, occupational, and speech therapies have a $20 copay with no coinsurance, but routine chiropractic care is not covered. Mental health individual sessions range from a $0 to $25 copay and podiatry visits have a $30 copay, both with no coinsurance.
Preventive Services See details
Preventive Services are partially covered by the AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, and kidney disease education. However, several sub-services are not covered, including health education, in-home safety assessments, PERS, 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, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS), which offers routine hearing exams with no copay or coinsurance, and up to two prescription or OTC hearing aids per year with no coinsurance and copays ranging from $199 to $1,249. However, fitting and evaluation for hearing aids, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered under this plan.
Vision Services See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) covers routine eye exams and eyewear with no coinsurance, featuring no copay for one annual routine exam, contact lenses, and eyeglass frames. There is a $300 combined eyewear allowance every two years, with eyeglass lenses requiring a $0 to $153 copay, though upgrades, other eye exams, and combined eyeglasses packages are not covered.
Dental Services See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) offers partially covered dental services, with implant services and orthodontics being excluded from coverage. Diagnostic and preventive services have no copay and no coinsurance up to a $1,000 annual limit, while Medicare-covered dental services carry a 20% coinsurance and covered comprehensive services carry a 50% coinsurance, both featuring no copay.
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. Medicare Part B drugs, including chemotherapy, have a coinsurance of 0% (no coinsurance) to 20%, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with 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 most equipment.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) covers diagnostic services with no coinsurance, featuring no copay for lab services and a $50 copay for diagnostic tests. Radiological services require prior authorization, offering diagnostic radiology with no copay, outpatient X-rays with a $30 copay, and therapeutic radiology with 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
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) covers some Cardiac Rehabilitation Services with no copay and no coinsurance, subject to prior authorization. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, offering 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 needed, and additional days beyond the standard 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 over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered.
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