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AARP Medicare Advantage from UHC MA-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 MA-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 MA-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MA-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 Massachusetts. 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 MA-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 MA-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 MA-0003 (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 $520.00 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 MA-0003 (HMO-POS) prescription drug plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for 1-month or 3-month fills at standard pharmacies or via mail order. Tier 2 generic drugs cost a $12 copay for a 1-month standard pharmacy fill, though a 3-month supply has no copay when ordered through preferred mail order. For higher-tier medications, coverage transitions to coinsurance costs. Tier 3 preferred brand-name drugs require a 15% coinsurance for standard pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 38% coinsurance, while Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC MA-0003 (HMO-POS) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth, and annual preventive services. Specialist visits range from a $0 to $45 copay, while emergency care requires a $130 copay that is waived if you are admitted. For hospital stays, inpatient services feature no coinsurance but require a $450 daily copay for the first few days. Routine vision exams, preventive dental cleanings, and home health services are available with no copay or coinsurance, though restorative and implant dental services are not covered. Hearing aids and diagnostic tests require varying copays, while dialysis and durable medical equipment are covered with a 20% coinsurance and no copay. Additionally, members can access over-the-counter items and chronic illness meal benefits with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers inpatient hospital services with no coinsurance, requiring a $450 daily copay for days 1 through 6 of acute stays and days 1 through 5 of psychiatric stays, with no copay for remaining covered days. This benefit is partially covered because hospital 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 MA-0003 (HMO-POS) with no coinsurance, featuring no copay for ambulatory surgical center (ASC) and blood services. Outpatient hospital services require a copay of $0 to $450 ($450 daily for observation), while outpatient substance abuse sessions have a copay of $0 to $25, with prior authorization required for these services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. While some transportation services are covered, trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC MA-0003 (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 a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits cost a $0 to $45 copay with no coinsurance. Physical, occupational, and speech therapies require a $45 copay and no coinsurance, whereas chiropractic services are only partially covered because routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered under AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, and fitness programs. Uncovered sub-services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) partially covers hearing services, offering one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two OTC hearing aids (with copays of $199.00 to $829.00) and two prescription hearing aids (with copays of $199.00 to $1,249.00) are covered annually with no coinsurance, excluding inner ear, outer ear, and over-the-ear prescription models.
Vision Services See details
Vision services are covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with no coinsurance, featuring one routine eye exam annually with no copay, though prior authorization is required. Eyeglass frames and contact lenses are offered with no copay, and eyeglass lenses carry a $0 to $153 copay up to a $250 maximum limit every two years; however, other eye exams, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) partially covers dental services, offering Medicare-covered dental with no copay and a 20% coinsurance, and preventive services like exams and cleanings with no copay and no coinsurance. However, restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers Home Infusion bundled Services with no copay, although prior authorization is required. Medicare Part B chemotherapy, radiation, insulin, and other drugs have no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
AARP Medicare Advantage from UHC MA-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
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Diagnostic tests have a $50 copay, outpatient x-rays require a $30 copay, and therapeutic radiological services have a 20% coinsurance, while lab services and diagnostic radiological services are covered with no copay and no coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required before you can receive these services.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered with no copay and no coinsurance under AARP Medicare Advantage from UHC MA-0003 (HMO-POS), but in practice only some services are covered. Standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and requires no prior three-day hospital stay. 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 no coverage provided for days beyond the standard 100-day limit.
Other Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan.
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