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AARP Medicare Advantage from UHC CO-0011 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC CO-0011 (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 CO-0011 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Denver Metro Area. The overall rating for this plan is not yet available for 2026.
It's important to know that AARP Medicare Advantage from UHC CO-0011 (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 CO-0011 (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 CO-0011 (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 $5400.00 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 CO-0011 (HMO-POS) plan features an annual prescription drug deductible of $520. Tier 1 preferred generic medications feature no copay for 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs require a $10 copay for a 1-month supply at standard pharmacies, though you can receive a 3-month supply with no copay through preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs carry a 17% coinsurance for both standard pharmacies and mail order. Tier 4 non-preferred drugs require a 32% coinsurance, while Tier 5 specialty drugs are covered with a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC CO-0011 (HMO-POS) plan offers affordable healthcare coverage with no copay and no coinsurance for primary care, telehealth, and preventive services. For emergency care, members pay a $130 copay, while inpatient hospital stays require a $550 daily copay for the first five days of an acute stay. Specialist visits and outpatient diagnostic services are also highly accessible, with copays ranging from no copay up to $50. This plan also includes essential routine benefits, featuring no copay for annual eye exams, routine hearing tests, and preventive dental care like cleanings. While durable medical equipment and dialysis require a 20% coinsurance, members can access over-the-counter items and home health services with no copay. Prescription hearing aids are also covered with copays ranging from $199 to $1,249, helping you manage out-of-pocket costs.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC CO-0011 (HMO-POS) with no coinsurance, requiring a $550 copay per day for days 1-5 of an acute stay and days 1-4 of a psychiatric stay, with no copay for remaining days. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) covers outpatient hospital services with no coinsurance and copays ranging from $0 to $550, while ambulatory surgical center and outpatient blood services have no copay and no coinsurance. Outpatient substance abuse services are covered with no coinsurance and copays ranging from $0 to $25, with prior authorization required for these outpatient services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage from UHC CO-0011 (HMO-POS) with a $290 copay and no coinsurance for ground and air ambulance services. Some transportation services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC CO-0011 (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 are covered with a copay ranging from $0 to $50 and 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 CO-0011 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance. Other services, including specialist visits, physical therapy, and mental health care, require copays ranging from $0 to $35 with no coinsurance. Chiropractic services are partially covered, offering routine visits for a $10 copay and no coinsurance, while other chiropractic services are not covered.
Preventive Services See details
Preventive services under the AARP Medicare Advantage from UHC CO-0011 (HMO-POS) plan are partially covered, offering no copay and no coinsurance for annual physicals, fitness benefits, home safety devices, kidney disease education, and select screenings. However, numerous supplemental options such as health education, weight management, and in-home support services are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) provides partially covered hearing services with no deductible, including one annual routine hearing exam with no copay and no coinsurance. Up to two prescription or OTC hearing aids are covered yearly with no coinsurance and copays ranging from $199.00 to $1,249.00, though hearing aid fittings and inner, outer, or over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC CO-0011 (HMO-POS) with no deductibles and no coinsurance. Routine eye exams, contact lenses, eyeglass frames, and lenses are covered with no copay (except for a $0 to $153 copay on lenses up to a $300 limit every two years), whereas other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) provides partially covered dental services, featuring preventive care such as exams and cleanings with no copay and no coinsurance, and Medicare-covered dental services with no copay and 20% coinsurance. However, several services are not covered, including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC CO-0011 (HMO-POS) with no copay, while associated Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance. Covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, with prior authorization and step therapy required for these services.
Dialysis Services See details
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required before receiving these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) covers durable medical equipment (DME), prosthetics, and diabetic supplies with no copay and a 20% coinsurance. Diabetic therapeutic shoes and inserts are also covered with a 20% coinsurance, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CO-0011 (HMO-POS), with prior authorization required. Members pay no copay and no coinsurance for lab services and diagnostic radiology, but will pay a $50 copay (no coinsurance) for diagnostic tests, a $30 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the AARP Medicare Advantage from UHC CO-0011 (HMO-POS) plan with no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC CO-0011 (HMO-POS) with no coinsurance and do not require a prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though prior authorization is required and additional days beyond the Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CO-0011 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and other additional services are not covered under this plan.
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