A non-government entity
AARP Medicare Advantage Essentials from UHC OK-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 OK-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 OK-3 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Oklahoma. 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 OK-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 OK-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 OK-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 $355.00 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 OK-3 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) plan has an annual drug deductible of $355. Tier 1 preferred generic drugs feature no copay for 1-month or 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs require a $10 copay for a 1-month standard pharmacy supply, but you can receive a 3-month supply with no copay when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance percentages. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs carry a 43% coinsurance for a 1-month supply. Tier 5 specialty drugs require a 29% coinsurance for a 1-month supply at standard pharmacies or via mail order.
Additional Benefits
The AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) plan offers comprehensive medical coverage featuring no copay for primary care visits, telehealth services, and preventive care. For specialist visits, copays range from $0 to $40, while inpatient hospital stays require a $375 daily copay for the first six days and no copay for days seven through 90. Emergency room visits have a $130 copay, which is waived if you are admitted, and worldwide emergency services are covered with no copay. Routine dental, vision, and hearing exams are highly accessible with no copays, alongside a $150 eyewear allowance every two years and coverage for hearing aids with copays starting at $199. Home health care and cardiac rehabilitation services are covered with no copay, while skilled nursing facility stays have no copay for the first 20 days. Other essential medical needs, such as durable medical equipment and dialysis, generally require a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) covers inpatient hospital stays with no coinsurance, featuring a $375 daily copay for days 1 through 6 and no copay for days 7 through 90. The benefit is partially covered as upgrades, non-Medicare-covered stays, and psychiatric stays beyond 90 days are not covered.
Outpatient Services See details
Outpatient services under the AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) plan are covered with no coinsurance, featuring copays ranging from no copay to $375 for outpatient hospital and observation services. Additionally, ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse services have no coinsurance and copays ranging from no copay to $25.
Partial Hospitalization See details
AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) covers ground and air ambulance services with a $290 copayment and no coinsurance, which require prior authorization. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency Services are covered under the AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) plan with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) provides primary care and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $40 copay with no coinsurance. Therapy services require a $40 copay with no coinsurance, and while some chiropractic services are covered, routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, diabetes training, and fitness benefits. However, several supplemental services are not covered under this benefit, including health education, nutritional counseling, weight management programs, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS), featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are available with a $199 to $1,249 copay and no coinsurance, and up to two OTC hearing aids are covered with a $199 to $829 copay and no coinsurance, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) with no deductible or coinsurance, including one routine eye exam per year with no copay and up to $150 every two years for eyewear. Covered eyewear options like frames and contact lenses have no copay, while eyeglass lenses range from no copay up to a $153 copay; however, other eye exams, upgrades, and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered under the AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) plan, featuring no copay and no coinsurance for preventive and diagnostic care like cleanings, exams, and x-rays. Medicare-covered dental services require a 20% coinsurance with no copay, but 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 OK-3 (HMO-POS) with no copay, subject to prior authorization. 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.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) covers medical equipment, including durable medical equipment (DME), 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, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) plan, requiring prior authorization for all services. Diagnostic tests require a $60 copay with no coinsurance, lab and diagnostic radiology services have no copays, outpatient X-rays require a $30 copay with coinsurance, and therapeutic radiology services require a 20% coinsurance and a copay.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) with no copay and no coinsurance, and 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) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS) covers skilled nursing facility services with no coinsurance, requiring prior authorization and no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Essentials from UHC OK-3 (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 benefit, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved