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AARP Medicare Advantage from UHC OH-18 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC OH-18 (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 OH-18 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OH-18 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2026 to people living in Select Counties in Ohio. 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 OH-18 (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 OH-18 (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 OH-18 (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 $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 $4200.00 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 from UHC OH-18 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage from UHC OH-18 (HMO-POS) plan has an annual prescription drug deductible of $440. Under this plan, Tier 1 preferred generic drugs are highly affordable, requiring no copay for standard pharmacy fills and three-month mail orders. Tier 2 generic drugs cost a $12 copay for a one-month standard pharmacy fill, though you can save with no copay for a three-month supply through preferred mail order. For brand-name and specialty medications, your costs are based on coinsurance rather than set copays. Tier 3 preferred brand drugs require a 16% coinsurance, Tier 4 non-preferred drugs require 40% coinsurance, and Tier 5 specialty drugs carry a 28% coinsurance for a one-month supply. These coinsurance rates apply whether you use a standard retail pharmacy or preferred mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC OH-18 (HMO-POS) plan features no copay and no coinsurance for primary care visits, telehealth services, and annual preventive care. Specialist doctor visits require a copay of up to $35, while inpatient hospital stays have a $350 daily copay for the first six days and no copay for days seven through 90. Emergency room visits carry a $150 copay, which is waived upon admission, and worldwide emergency coverage is available with no copay. Routine dental and vision services are highly covered, offering no copay for annual eye exams and preventive dental care up to a $2,000 yearly limit. Comprehensive dental services require a 50% coinsurance, while durable medical equipment and dialysis services carry a 20% coinsurance. Hearing aid coverage is also included, with copays ranging from $199 to $1,249 depending on the device.
Inpatient Hospital See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) covers inpatient hospital care with no coinsurance, requiring a $350 daily copay for days 1 through 6 and no copay for days 7 through 90 for both acute and psychiatric stays. While unlimited additional acute hospital days are covered with no copay, the plan does not cover upgrades, non-Medicare-covered stays, or additional psychiatric days.
Outpatient Services See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital and observation services have copays ranging up to $350, while outpatient substance abuse sessions carry a copay of $0 to $25, with prior authorization required for these benefits.
Partial Hospitalization See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered under the AARP Medicare Advantage from UHC OH-18 (HMO-POS) plan, requiring a $275 copay and no coinsurance for Medicare-covered ground and air ambulance services. Prior authorization is required for ambulance services, and transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) covers emergency services with a $150 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 $65 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 from UHC OH-18 (HMO-POS) covers primary care and telehealth visits with no copay and no coinsurance, while specialist visits range from a $0 to $35 copay with no coinsurance. Physical, occupational, and speech therapy services require a $30 copay and no coinsurance, and podiatry is covered up to 6 visits yearly with a $35 copay and no coinsurance. Chiropractic services are partially covered with a $20 copay and no coinsurance, but routine and other chiropractic care are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. However, the benefit is only partially covered because several additional services, such as health education, personal emergency response systems, nutritional benefits, and in-home support, are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) offers partially covered hearing services, featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan covers up to two OTC hearing aids with a $199.00 to $829.00 copay and no coinsurance, as well as up to two prescription hearing aids with a $199.00 to $1,249.00 copay and no coinsurance, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) partially covers vision services with no deductible and no coinsurance, offering one routine eye exam per year and contact lenses or eyeglass frames with no copay, up to a $300 combined limit every two years. Eyeglass lenses are covered with a copay ranging from $0 to $153, while other eye exam services, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC OH-18 (HMO-POS), with implant services and orthodontics not covered. Preventive care has no copay and no coinsurance up to a $2,000 annual limit, while comprehensive services require no copay and 50% coinsurance, and Medicare-covered dental has no copay and 20% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC OH-18 (HMO-POS) with no copay, subject to prior authorization and step therapy. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC OH-18 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are offered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Lab services and diagnostic radiology feature no copay and no coinsurance, while diagnostic tests require a $50 copay with no coinsurance, outpatient X-rays have a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage from UHC OH-18 (HMO-POS) plan covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC OH-18 (HMO-POS) plan. This non-coverage applies to all key sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC OH-18 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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