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UnitedHealth Group, Inc.

Plan ID: H2802-28-0

AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)

2025 AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) H2802 — 028 — 0 is a Medicare Advantage plan with drug coverage. It has received a 4-out-of-5 star rating from CMS for 2025.

Learn more about AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) H2802 - 028 - 0, including the health and drug services it covers, by reading our easy-to-use guide. Or contact a licensed insurance agent for help now.

4 / 5 stars for 2025

$0.00 /mo

Monthly premium

$340.00

Drug deductible

$2800.00

Out-of-pocket maximum

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Call to enroll

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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week!

Overview Benefits & Costs Drug Coverage Additional Benefits

Plan Overview

2025 AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) H2802 — 028 — 0 is a HMO-POS offered in Select Counties in Illinois and Missouri by UnitedHealth Group, Inc.. It has a monthly premium of $0.00.

Premium Breakdown

Standard Part B Premium

$185.00

Part B premium reduction

- $0

Monthly Plan Premium

$0.00

Total Premium:

$185.00

Note:

The standard Medicare Part B premium for 2025 is $185.00. Your premium may differ based on factors like late enrollment, income (IRMAA), or disability status. Most people enrolled in Medicare Part B are required to pay this premium.

Special needs plan type

Out-of-pocket maximum

$2800.00

Plan Organization:

UnitedHealth Group, Inc.

Plan Type:

HMO-POS

Location:

Select Counties in Illinois and Missouri

Drugs Covered:

Yes

Drug Formulary:

Formulary Link

Pharmacies:

Pharmacies Link

Doctor Choice:

Doctors Link:

Doctors Link

Deductibles

The amount you must pay each year before your plan starts to pay for covered services or drugs.

Drug deductible

$340

Note:

This plan does not charge an annual deductible for all drugs. The $340.00 annual deductible only applies to drugs in certain tiers.

Sign up for AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)

Enroll online

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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

AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) provides the following cost-sharing on drugs. Please check the plan’s formulary for specific drugs covered.

Drug Benefit Type

Enhanced Alternative

Prescription drug deductible

$340.00

Part D Premium Reduction

This plan's premium may be reduced for you if you qualify for the low-income subsidy (also known as LIS or "Extra help"). The following is what you'll pay for with LIS.

Part D	LIS Full
$0.00	$0.00

Initial Coverage Phase

After you pay your $340.00 drug deductible, you will pay the following costs for drugs in each tier until your total drug costs (including what this plan has paid and what you have paid) reach $2000.00. Once you reach that amount, you will enter the next coverage phase.

30 Days

60 Days

90 Days

Tier	Preferred Pharmacy	Standard Pharmacy	Preferred Mail	Standard Mail
1. Preferred Generic	-	-	-	-
2. Standard Generic	-	-	-	-
3. Preferred Brand	-	-	-	-
4. Non-Preferred Drug	-	-	-	-
5. Specialty Tier	-	-	-	-

Catastrophic Coverage Phase

After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $2000.00, you pay nothing for Medicare Part D covered drugs. However, you may still pay a share of the costs for excluded drugs covered under any enhanced benefit.

Additional Benefits

AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS) also provides the following benefits.

Note:

Limits, Authorizations, and Referrals may apply for the benefits below. Contact the plan for details.

Comprehensive dental

Adjunctive General Services

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Endodontics

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Maxillofacial Prosthetics

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Oral and Maxillofacial Surgery

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Periodontics

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Prosthodontics, fixed

In-Network: 0-50 Coins - No Co pay

Out-Of-Network: 0-50% Coins - No Copay

Prosthodontics, removable

In-Network: 0-50 Coins - No Co pay

Out-Of-Network: 0-50% Coins - No Copay

Restorative Services

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Preventive dental

Dental X-Rays

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Fluoride Treatment

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Oral Exams

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Other Diagnostic Dental Services

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Other Preventive Dental Services

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Prophylaxis (cleaning)

In-Network: No Coins - 0.00 Copay

Out-Of-Network: No Coins - 0.00 Copay

Diagnostic procedures/lab services/imaging

Outpatient x-rays

In-Network: $15 copay

Diagnostic radiology services

Diagnostic tests and procedures

In-Network: $30 copay

Lab services

In-Network: $0 copay

Doctor visits

Specialist

In-Network: $0-25 copay per visit

Primary

In-Network: $0 copay

Emergency care/Urgent care

Emergency

$125 copay per visit (always covered)

Urgent care

$0-35 copay per visit (always covered)

Foot care (podiatry services)

Foot exams and treatment

In-Network: $25 copay

Routine foot care

In-Network: $25 copay

Ground ambulance

All service types

In-Network: $125 copay

Hearing

Hearing aids

In-Network: $199-1,249 copay

Medicare-Covered Hearing Exam

In-Network: $0 copay

Hearing aids OTC

In-Network: $99-829 copay

Fitting/evaluation

Not covered

Inpatient hospital coverage

All service types

In-Network: $240 per day for days 1 through 7 $0 per day for days 8 through 90 $0 per day for days 91 and beyond

Out-Of-Network: Not Applicable

Outpatient hospital coverage

All service types

In-Network: $0-240 copay per visit

Optional benefits

All service types

Medical equipment/supplies

Durable medical equipment

Diabetes supplies

In-Network: $0 copay per item

Prosthetics

Medicare Part B drugs

Other Part B drugs

In-Network: 0-20% coinsurance

Chemotherapy

In-Network: 0-20% coinsurance

Mental health services

Outpatient group therapy visit with a psychiatrist

In-Network: $15 copay

Outpatient individual therapy visit

In-Network: $0-25 copay

Inpatient hospital - psychiatric

In-Network: $240 per day for days 1 through 7 $0 per day for days 8 through 90

Out-Of-Network: Not Applicable

Outpatient group therapy visit

In-Network: $15 copay

Outpatient individual therapy visit with a psychiatrist

In-Network: $0-25 copay

Preventive care

All service types

In-Network: $0 copay

Rehabilitation services

Physical therapy and speech and language therapy visit

In-Network: $0-20 copay

Occupational therapy visit

In-Network: $0-20 copay

Skilled Nursing Facility

All service types

In-Network: $0 per day for days 1 through 20 $203 per day for days 21 through 100

Out-Of-Network: Not Applicable

Transportation

All service types

In-Network: $0 copay

Vision

Eyeglasses (frames and lenses)

Not covered

Eyeglass frames

In-Network: $0 copay

Eyeglass lenses

In-Network: $0-153 copay

Routine eye exam

In-Network: $0 copay

Upgrades

Not covered

Other

Not covered

Contact lenses

In-Network: $0 copay

Wellness programs (eg, fitness, nursing hotline)

All service types

Covered

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week

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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.

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