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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 2025, 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 2025.
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 $340.00 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) plan has a $340 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the tier of the drug and the pharmacy. For generic drugs, you can expect to pay a $12 copay at standard pharmacies for preferred generics, or a $47 copay for standard generics. For preferred brand drugs, the copay is $100. Non-preferred drugs have a 29% coinsurance.
Additional Benefits
The AARP Medicare Advantage from UHC MA-0003 (HMO-POS) plan offers a variety of benefits with varying costs. Hospital stays have copays ranging from $0-$375, while outpatient services have copays from $0-$375. Emergency and urgent care services have copays from $0-$125, and primary care visits have no copay. Preventive services, including an annual physical, have no copay. Hearing services include hearing exams and hearing aids, with copays ranging from $99-$1249. Vision services include eye exams and eyewear with no copay, though some lenses have a copay. Dental services cover a range of services with no copay, and some with coinsurance. Other benefits include home health, skilled nursing, and medical equipment with varying costs.
Inpatient Hospital See details
Inpatient Hospital benefits for AARP Medicare Advantage from UHC MA-0003 (HMO-POS) include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services, both requiring prior authorization. For Inpatient Hospital-Acute, you will pay a $375 copay for days 1-5, and no copay for days 6-90, with additional days 91-999 having no copay; Non-Medicare-covered Stay and Upgrades are not covered. For Inpatient Hospital Psychiatric, there is a $375 copay for days 1-4, and no copay for days 5-90; Additional Days and Non-Medicare-covered Stay are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with a copay ranging from $0 to $375, and observation services with a copay of $375. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services are covered with no copay, and Outpatient Substance Abuse Services are covered with a copay between $0 and $25 for individual sessions, and a copay of $15 for group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered under this plan, with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS). Ground and Air Ambulance Services have a $275 copay, with no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the AARP Medicare Advantage from UHC MA-0003 (HMO-POS) plan. Emergency Services has a $125 copay, and no coinsurance. Urgently Needed Services has a copay between $0-$55, and no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation each have no copay and no coinsurance.
Primary Care See details
Primary Care Physician Services are covered with no copay, and Chiropractic Services are covered with a $20 copay. Occupational Therapy Services, Physician Specialist Services, Physical Therapy and Speech-Language Pathology Services, and Other Health Care Professional have copays ranging from $0 to $45. Mental Health and Psychiatric services have a copay of $0-$25 for individual sessions and $15 for group sessions. Podiatry Services and Opioid Treatment Program Services are covered with a $45 copay. Additional Telehealth benefits are covered with no copay.
Preventive Services See details
Preventive Services include an annual physical exam with no copay. Additional preventive services, Kidney Disease Education Services, and Other Preventive Services are covered, with no copay for Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit. Other services such as Health Education, In-Home Safety Assessment, and more are not covered.
Hearing Services See details
The AARP Medicare Advantage from UHC MA-0003 (HMO-POS) plan covers hearing exams with no copay, and routine hearing exams with no copay for one visit per year. The plan also covers OTC hearing aids with a copay between $99 and $829 for 2 hearing aids every year, and prescription hearing aids with a copay between $199 and $1249 for 2 hearing aids every year; however, fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
Vision services include eye exams with no copay, and eyewear benefits including contact lenses, eyeglass lenses, and eyeglass frames, all with a $0 copay, though eyeglass lenses have a copay of up to $153.00. Eyeglass frames, and lenses are limited to one every two years, and there is a combined maximum benefit of $300 for all eyewear every two years, while eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers dental services, including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatments, and other preventive dental services with no copay. Medicare Dental Services are covered with 20% coinsurance. Restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, and oral and maxillofacial surgery are covered with no copay. Prosthodontics (removable and fixed) are covered with 0-50% coinsurance, and implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the AARP Medicare Advantage from UHC MA-0003 (HMO-POS) plan, with prior authorization required. Medicare Part B Insulin Drugs have a $35 copay and between 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage from UHC MA-0003 (HMO-POS) plan, but require prior authorization. There is a 20% coinsurance for this benefit.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with a 20% coinsurance, Prosthetics/Medical Supplies with a 20% coinsurance, and Diabetic Equipment. Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures and tests with a $50 copay, and lab services with no copay. Diagnostic Radiological Services have a copay up to $250, Therapeutic Radiological Services have a 20% coinsurance, and outpatient X-ray services have a $25 copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered under the AARP Medicare Advantage from UHC MA-0003 (HMO-POS) plan, but require prior authorization. You will have no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) Items and Meal Benefits. Over-the-Counter (OTC) Items have no copay, and Meal Benefits require prior authorization with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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