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AARP Medicare Advantage from UHC PA-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 PA-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 PA-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC PA-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 Pennsylvania. 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 PA-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 PA-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 PA-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $39.00. 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:
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Drug Coverage
The AARP Medicare Advantage from UHC PA-0003 (HMO-POS) plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, members benefit from no copay for standard pharmacy fills and preferred or standard mail-order options. Tier 2 generic drugs are available with an $8 copay for a 1-month supply at standard pharmacies, though choosing a preferred mail-order 3-month supply reduces this cost to no copay. Higher-tier medications under this plan transition to coinsurance costs. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs carry a 42% coinsurance for a 1-month supply. Specialty drugs in Tier 5 incur a 28% coinsurance across standard pharmacy, preferred mail order, and standard mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC PA-0003 (HMO-POS) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copay and no coinsurance for primary care doctor visits, telehealth services, and covered preventive care. For specialist visits, you will pay a copay ranging from no copay to $40, while inpatient hospital stays require a $395 copay per admission with no coinsurance. Emergency room visits carry a $130 copay, which is waived if you are admitted, and urgent care visits range from no copay to $50. This plan also includes valuable dental, vision, and hearing benefits to help reduce your healthcare expenses. You can take advantage of routine eye and hearing exams with no copay, alongside a $300 eyewear allowance every two years and preventive dental services covered with no copay up to a $4,000 annual limit. Additionally, home health services and diagnostic lab work are available with no copay, while skilled nursing facility stays feature no copay for the first 20 days.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC PA-0003 (HMO-POS) with a $395 copay per admission or stay and no coinsurance for both acute and psychiatric care. Prior authorization is required, and while unlimited additional acute care days are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC PA-0003 (HMO-POS) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay. Outpatient hospital services require a copay of $0 to $395, observation services carry a $395 daily copay, and outpatient substance abuse sessions have a copay of $0 to $25.
Partial Hospitalization See details
Partial hospitalization services are covered under the AARP Medicare Advantage from UHC PA-0003 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC PA-0003 (HMO-POS) covers ground and air ambulance services with a $275 copay per service and no coinsurance, subject to prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC PA-0003 (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services carry a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays or coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC PA-0003 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $40 copay with no coinsurance. Physical, occupational, and speech therapies have a $35 copay and no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC PA-0003 (HMO-POS) with no copay and no coinsurance for covered options like annual physical exams, fitness benefits, and kidney disease education. Sub-services that are not covered under this plan include health education, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC PA-0003 (HMO-POS) with no deductible and no coinsurance. Routine hearing exams have no copay, prescription hearing aids require a $199 to $1,249 copay, and OTC hearing aids have a $199 to $829 copay, but fitting and evaluation services, as well as 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 PA-0003 (HMO-POS), featuring one routine eye exam per year with no copay, no coinsurance, and no deductible. Eyewear is covered with no deductible or coinsurance up to a $300 limit every two years, offering contact lenses and frames with no copay and lenses with a $0 to $153 copay, though upgrades, other eye exams, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC PA-0003 (HMO-POS) offers partially covered dental services, with implant services and orthodontics being not covered. Covered preventive and diagnostic services feature no copay and no coinsurance up to a $4,000 annual limit, while Medicare-covered dental services require no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC PA-0003 (HMO-POS) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Under this plan, Medicare Part B chemotherapy and other drugs carry no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage from UHC PA-0003 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC PA-0003 (HMO-POS) with no copays and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Prior authorization is required for these services, and covered diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC PA-0003 (HMO-POS) plan, though prior authorization is required. Lab services and diagnostic radiology are available with no copay and no coinsurance, while diagnostic procedures cost a $50 copay, outpatient X-rays cost a $30 copay, and therapeutic radiology requires a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC PA-0003 (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 with no copay and no coinsurance under the AARP Medicare Advantage from UHC PA-0003 (HMO-POS) plan. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require prior authorization.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC PA-0003 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, requiring no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and prior authorization is required, though additional days beyond day 100 are not covered.
Other Services See details
AARP Medicare Advantage from UHC PA-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 is not covered under this plan, and the meal benefit requires prior authorization.
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