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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 $6700.00 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, you will pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for 3-month mail-order supplies. Tier 2 generic medications cost $12 for a 1-month standard pharmacy supply, but you can save with no copay for a 3-month supply through preferred mail order. Higher-tier medications under this plan utilize coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance for both 1-month and 3-month supplies across standard pharmacies and mail-order options. Tier 4 non-preferred drugs carry a 38% coinsurance, while Tier 5 specialty tier drugs require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC MA-0003 (HMO-POS) plan offers robust coverage with no copay for primary care visits, telehealth, annual physicals, and routine eye and hearing exams. For urgent and emergency needs, members pay a $130 copay for emergency room visits, which is waived upon admission, and up to a $50 copay for urgent care. Outpatient diagnostic services like lab tests and diagnostic radiology also feature no copay, while specialist visits require up to a $55 copay. For inpatient hospital stays, there is a $550 daily copay for the first five days and no copay thereafter, while skilled nursing facilities require no copay for the first 20 days. The plan provides valuable extras, including up to a $300 eyewear allowance every two years and coverage for hearing aids, alongside preventive dental care with no copay. Durable medical equipment, dialysis, and therapeutic radiology generally require a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with no coinsurance, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. For covered acute stays, there is a $550 daily copay for days 1 to 5 and no copay for days 6 and beyond, while psychiatric stays require a $550 daily copay for days 1 to 4 and no copay for days 5 to 90.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital care requires copays ranging from $0 to $550, while outpatient substance abuse sessions carry copays up to $25, with prior authorization required for most 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 this covered 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. Routine transportation services, including trips to plan-approved or any health-related locations, are not covered.
Emergency Services See details
Emergency Services are covered by AARP Medicare Advantage from UHC MA-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 require a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are available with no copay and no coinsurance.
Primary Care See details
Primary care benefits under AARP Medicare Advantage from UHC MA-0003 (HMO-POS) feature no copay and no coinsurance for primary care and telehealth visits. Specialist visits range from no copay to a $55 copay with no coinsurance, while occupational and physical therapies require copays of $30 and $35 with no coinsurance; however, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with no copay and no coinsurance for annual physicals, kidney disease education, and screenings. Additional preventive services are partially covered, offering fitness benefits and home safety devices with no copay and no coinsurance, but excluding health education, personal emergency response systems, medical nutrition therapy, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation counseling, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered with no deductible by AARP Medicare Advantage from UHC MA-0003 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two OTC hearing aids with a $199.00 to $829.00 copay and no coinsurance, and up to two prescription hearing aids with a $199.00 to $1,249.00 copay and no coinsurance, excluding inner ear, outer ear, and over the ear prescription models.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS), offering one annual routine eye exam with no copay, no coinsurance, and no deductible, while other eye exams are not covered. Eyewear is covered up to a $300 limit every two years with no deductible or coinsurance, providing contact lenses and frames with no copay and lenses with a $0 to $153 copay, though upgrades and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) partially covers dental services, offering preventive care like exams and cleanings with no copay and no coinsurance, and Medicare-covered dental services with no copay and 20% coinsurance. However, comprehensive services such as restorative, endodontics, periodontics, prosthodontics, implants, and oral surgery 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, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance with no deductible.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) covers medical equipment with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for most of these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS), with prior authorization required for services. Diagnostic tests and procedures require a $60 copay and no coinsurance, outpatient X-rays have a $30 copay, and therapeutic radiology has a 20% coinsurance, while lab services and diagnostic radiology are offered with no copay and no coinsurance.
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, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS) with no coinsurance and require prior authorization, but some services are covered while cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MA-0003 (HMO-POS) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the standard 100-day limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC MA-0003 (HMO-POS), which provides 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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