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AARP Medicare Advantage Essentials from UHC DE-3 (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 DE-3 (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 DE-3 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Delaware. 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 DE-3 (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 DE-3 (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 DE-3 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. 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 $5900.00 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 DE-3 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) plan features an annual drug deductible of $440. Under this plan, Tier 1 preferred generic drugs have no copay for a one-month or three-month supply at standard pharmacies and through mail order. Tier 2 generic medications cost a $5 copay for a one-month supply at standard pharmacies, but you can get a three-month supply with no copay when using preferred mail order. For higher-tier medications, costs shift to a percentage of the drug's price, starting with an 18% coinsurance for Tier 3 preferred brand drugs. Tier 4 non-preferred drugs require a 40% coinsurance for a one-month supply through both retail pharmacies and mail order. Specialty drugs in Tier 5 are covered with a 28% coinsurance for a one-month fill.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) plan offers affordable coverage with many essential services featuring no copays or coinsurance. Members enjoy no copay for primary care visits, telehealth, annual preventive exams, and home health services. Inpatient hospital stays require a $350 daily copay for the first several days before transitioning to no copay, while emergency room visits incur a $130 copay. Specialist visits and outpatient therapies feature low copays up to $35, and diagnostic lab tests are available with no copay. Routine dental, vision, and hearing exams are also covered with no copay, though prescription hearing aids and eyewear require specific copays. Additionally, durable medical equipment, prosthetic devices, and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $350 daily copay for days 1-7 of acute stays and days 1-6 of psychiatric stays, followed by no copay for subsequent days. However, non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) with no coinsurance, featuring a $0 to $350 copay for outpatient hospital services and no copay for ambulatory surgical center and blood services. Outpatient substance abuse services also carry no coinsurance, with copays ranging from $0 to $25 for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage Essentials from UHC DE-3 (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
Ambulance services under the AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) are covered with a $290 copay and no coinsurance for both ground and air transport, with prior authorization required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Essentials from UHC DE-3 (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 no coinsurance and a copay ranging from no copay to $50, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance. Specialist visits, mental health sessions, and physical, occupational, and speech therapies are covered with no coinsurance and either no copay or copays up to $35, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. Additional preventive services are partially covered, providing fitness benefits and home safety devices with no copay or coinsurance, while sub-services like health education, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) partially covers hearing services, providing one annual routine hearing exam with no copay and no coinsurance, while hearing aid fittings and evaluations, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered. Covered prescription and OTC hearing aids are limited to two devices per year with no coinsurance, requiring copays ranging from $199 to $1,249 for prescription models and $199 to $829 for OTC models.
Vision Services See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) partially covers vision services with no deductible, offering one routine eye exam per year with no copay or coinsurance, though other eye exam services are not covered. Eyewear is covered with no coinsurance up to a $200 limit every two years, featuring no copay for contact lenses or eyeglass frames and a $0 to $153 copay for eyeglass lenses, while upgrades and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) partially covers dental services, offering Medicare-covered dental with no copay and a 20% coinsurance, and preventive services with no copay and no coinsurance. Sub-services such as restorative, endodontic, periodontic, prosthodontic, oral surgery, implant, and orthodontic services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance up to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) 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 Essentials from UHC DE-3 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay, subject to manufacturer limitations, and prior authorization is required for these services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) covers diagnostic and radiological services, which require prior authorization. Lab services and diagnostic radiology are available with no copay and no coinsurance, while diagnostic tests require a $50 copay with no coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiology incurs a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) with no coinsurance and no prior three-day hospital stay required. Prior authorization is required, and you will pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with additional days beyond the Medicare-covered limit not covered.
Other Services See details
AARP Medicare Advantage Essentials from UHC DE-3 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Prior authorization is required for the meal benefit, and acupuncture is not covered.
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