Not enough data available* for plan year 2023
$0.00 Monthly Premium
AARP Medicare Advantage Plan 2 (HMO-POS) is a HMO-POS Medicare Advantage (Medicare Part C) plan offered by UnitedHealthcare
Plan ID: H6706-001-000
$0.00 Monthly Premium
Colorado Medicare beneficiaries may want to consider reviewing their Medicare Advantage (Medicare Part C) plan options. A Medicare Advantage plan combines your Original Medicare (Part A and Part B) benefits into a single plan.
Most Medicare Advantage plans cover prescription drugs, and many plans may offer other extra benefits Original Medicare doesn’t cover.
Learn more about Colorado Medicare Advantage plans like the one below and find a plan that offers the benefits you want at an affordable price.
Basic Costs and Coverage
| Coverage | Details |
|---|---|
| Monthly plan premium | $0.00 |
| Vision coverage | |
| Dental coverage | |
| Hearing coverage | |
| Prescription drugs | |
| Medical deductible | $0.00 |
| Out-of-pocket maximum | $3,500.00 |
| Initial drug coverage limit | $0.00 |
| Catastrophic drug coverage limit | $7,400.00 |
| Primary care doctor visit | In-Network: Doctor Office Visit: |
| Specialty doctor visit | In-Network: Doctor Specialty Visit: |
| Inpatient hospital care | In-Network: Acute Hospital Services: |
| Urgent care | Urgent Care: Copayment for Urgent Care $40.00 Worldwide Coverage: |
| Emergency room visit | Emergency Care: Copayment for Emergency Care $90.00 Copayment for Medicare Covered Emergency Care waived if you are admitted to the hospital within 24 hours Worldwide Coverage: |
| Ambulance transportation | In-Network: Ground Ambulance: Air Ambulance: Section B - General 10a Note - NOTE ON AUTHORIZATION: Authorization is required for Non-emergency Medicare-covered ambulance ground and air transportation. Emergency Ambulance does not require authorization. Section B - General 10a Note - NOTE ON REFERRALS: Referrals are required for Non-emergency Medicare-covered ambulance ground and air transportation. Emergency Ambulance does not require a referral. |
Health Care Services and Medical Supplies
AARP Medicare Advantage Plan 2 (HMO-POS) covers a range of additional benefits. Learn more about AARP Medicare Advantage Plan 2 (HMO-POS) benefits, some of which may not be covered by Original Medicare (Part A and Part B).
| Coverage | Details |
|---|---|
| Chiropractic services | In-Network: Chiropractic Services:
Referral Required for Chiropractic Services |
| Diabetes supplies, training, nutrition therapy and monitoring | In-Network: Diabetic Supplies and Services: |
| Durable medical equipment (DME) | In-Network: Durable Medical Equipment: |
| Diagnostic tests, lab and radiology services, and X-rays | In-Network: Outpatient Diag Procs/Tests/Lab Services: Outpatient Diag/Therapeutic Rad Services: |
| Home health care | In-Network: Home Health Services: |
| Mental health inpatient care | In-Network: Psychiatric Hospital Services: |
| Mental health outpatient care | In-Network: Outpatient Mental Health Services: |
| Outpatient services/surgery | In-Network: Outpatient Hospital Services: Outpatient Observation Services: Ambulatory Surgical Center Services: |
| Outpatient substance abuse care | In-Network: Outpatient Substance Abuse Services: |
| Over-the-counter items | In-Network: Over-The-Counter (OTC) Items: |
| Podiatry services | In-Network: Podiatry Services:
Referral Required for Podiatry Services |
| Skilled Nursing Facility (SNF) care | In-Network: Skilled Nursing Facility Services: |
Dental Benefits
The following dental services are covered, though there may be provider network restrictions. See the plan Evidence of Coverage.
| Coverage | Details |
|---|---|
| Dental care | In-Network: Preventive Dental:
Comprehensive Dental:
Prior Authorization Required for Comprehensive Dental Referral Required for Comprehensive Dental |
Vision Benefits
The following vision services are covered, though there may be provider network restrictions. See the plan Evidence of Coverage.
| Coverage | Details |
|---|---|
| Vision benefits | In-Network: Eye Exams:
Referral Required for Eye Exams Eyewear:
Referral Required for Eyewear |
Hearing Benefits
The following hearing services are covered, though there may be provider network restrictions. See the plan Evidence of Coverage.
| Coverage | Details |
|---|---|
| Hearing benefits | In-Network: Hearing Exams:
Referral Required for Hearing Exams Hearing Aids:
Section B - General 18b Note - NOTE ON COST SHARING: Copays will range from a minimum copay of $175 to a maximum of $1,225 based on features and style. NOTE ON COMBINED COVERAGE FOR HEARING AID BENEFIT: Member may purchase a total of two hearing aids every year. |
Preventive Services and Health/Wellness Education Programs
The following services are covered, though there may be provider network restrictions. See the plan Evidence of Coverage.
| Coverage | Details |
|---|---|
| Preventive services and health/wellness education programs | In-Network: $0.00 copay for Medicare Covered Preventive Services: Abdominal aortic aneurysm screening
Yearly "Wellness" visit |
When reviewing Colorado Medicare plans, be sure to find out if your doctors are part of the plan network. If a Medicare Advantage plan covers prescription drugs, make sure the plan formulary (list of drugs covered by the plan) includes your drugs.
You may be able to find plans in your part of Colorado that offer similar benefits at similar or lower prices than the plan above. Call 1-800-557-6059 TTY 711, 24/7 to speak with a licensed insurance agent who can help you compare plans.
Plan Documents
| Links to plan documents |
Colorado Counties Served
Boulder
Back to plans in Colorado
FAQs
What is AARP Medicare Advantage Plan 2 HMO POS? ›
AARP® Medicare Advantage Plan 2 (HMO-POS) is a Medicare Advantage HMOPOS plan with a Medicare contract. To join this plan, you must be entitled to Medicare Part A, be enrolled in Medicare Part B, live within our service area listed below, and be a United States citizen or lawfully present in the United States.
What is the maximum out-of-pocket for Medicare Advantage for 2023? ›Maximum Out-of-Pocket Costs
For 2023 the max you will spend is $8,300. The out-of-pocket maximum for plans that allow you to see out of network providers may be higher. If your Medicare Advantage plan includes prescription drug coverage you will have a separate out-of-pocket maximum for prescription drug costs.
Yes, AARP/UnitedHealthcare Medicare Advantage plans provide good coverage and have an average overall rating of 4.2 stars. The company stands out for cheap PPO plans that cost $15 per month on average. The downside is overall customer satisfaction trails behind other companies such as Humana and Anthem.
What are the benefits of AARP Medicare Advantage plan? ›- $0 copays for in-network primary care provider visits.
- $0 copay for many lab tests.
- $0 prescription drug copays for most common prescription medications.
- $0 copay to speak to an in-network healthcare provider using 24/7 telehealth services.
AARP/UnitedHealthcare is the most popular Medicare Advantage provider with 28% of all enrollment.
Is AARP health insurance worth it? ›Is AARP supplemental insurance good? A supplemental insurance plan from AARP/UnitedHealthcare is a good value. It can help you reduce your out-of-pocket costs for medical care, and it includes discounts on vision, dental, hearing, gym membership and more.
What is the most popular AARP Medicare Supplement plan? ›By and large, Plan F is the most popular Medicare Supplement plan due to its coverage of more out-of-pocket Medicare costs than any other Medigap plan type.
Why are people leaving Medicare Advantage plans? ›Network restrictions are another common reason why beneficiaries leave their Medicare Advantage plans. With Medicare Advantage plans, staying within your policy's network is key to paying the lowest possible costs for health services. Going out of your network could mean high fees or no coverage.
Does AARP Medicare Advantage cover eyeglasses? ›En español | No. Medicare doesn't cover eyeglasses, contact lenses or eye exams to determine your prescriptions. However, you'll find one exception: Medicare provides limited coverage for glasses or contact lenses after cataract surgery.
What is the cost of AARP Medicare Advantage plan? ›The Cost. UnitedHealthcare Medicare Advantage monthly premiums range from $0 to $199. The majority (70%) of enrollees enroll in $0 premium plans while 17% enroll in low-premium plans (at or below $30 a month), according to an AARP UnitedHealthcare Medicare Advantage representative.
What is the out-of-pocket maximum on a Medicare Advantage Plan? ›
Since 2011, federal regulation has required Medicare Advantage plans to provide an out-of-pocket limit for services covered under Parts A and B. In 2022, the out-of-pocket limit may not exceed $7,550 for in-network services and $11,300 for in-network and out-of-network services combined.
Do you pay more out-of-pocket with Medicare Advantage? ›Plans may have lower out-of-pocket costs than Original Medicare. Plans may offer some extra benefits that Original Medicare doesn't cover—like vision, hearing, and dental services. service area (for non-emergency care). Some plans offer non-emergency coverage out of network, but typically at a higher cost.
What does maximum out-of-pocket mean for Medicare Advantage plans? ›Maximum out-of-pocket: the most money you'll pay for covered health care in a calendar year, aside from any monthly premium. After reaching your MOOP, your insurance company pays for 100% of covered services. The US government sets the standard Medicare Advantage maximum out-of-pocket limit every year.
What are the downsides to advantage plans? ›There are a few disadvantages of Medicare Advantage plans, including dealing with a limited network, being limited to medical care in your geographical area and paying for unexpected out-of-pocket expenses.
Do Medicare Advantage plans pay 100 %? ›Medicare Advantage plans don't pay 100% of your medical costs. Like most health insurance, Medicare Advantage plans have a “cost-sharing” structure for many services. If your plan covers the service, it'll usually pay most of the costs and charge you a copayment or coinsurance amount. A yearly deductible may apply.
Can I drop my Medicare Advantage plan and go back to original Medicare? ›Yes, you can elect to switch to traditional Medicare from your Medicare Advantage plan during the Medicare Open Enrollment period, which runs from October 15 to December 7 each year. Your coverage under traditional Medicare will begin January 1 of the following year.
Which is better PPO or HMO? ›Generally speaking, an HMO might make sense if lower costs are most important and if you don't mind using a PCP to manage your care. A PPO may be better if you already have a doctor or medical team that you want to keep but doesn't belong to your plan network.
What is the biggest difference between Original Medicare and Medicare Advantage? ›Original Medicare covers inpatient hospital and skilled nursing services – Part A - and doctor visits, outpatient services and some preventative care – Part B. Medicare Advantage plans cover all the above (Part A and Part B), and most plans also cover prescription drugs (Part D).
Which Medicare Advantage plan has the best customer reviews? ›Kaiser Permanente's Medicare Advantage plans score above all other major Medicare Advantage providers in terms of Medicare star ratings. Kaiser Permanente earned 844 points out of 1,000 in J.D. Power's 2022 Medicare Advantage Study, netting it the top spot for customer satisfaction out of nine providers measured.
Is insurance cheaper with AARP? ›Rates: If you're an AARP member, you could save up to 10% on your car insurance rates just for being a member. Personalized car insurance policies: Our representatives will help you find the right coverage for your individual needs.
What is the best supplemental health insurance for seniors? ›
- Best Overall: AARP / UnitedHealthcare.
- Most Medigap Plan Types: Blue Cross Blue Shield.
- Best Medigap High-Deductible Plan G Provider: Mutual of Omaha.
- Lowest Cost High-Deductible Plan G: Humana.
- Best for Financial Strength: State Farm.
While Plan F is the most popular plan, Medigap Plan C, Plan G and Plan N are the next most popular Medicare Supplement Insurance plans. The most popular Medigap plans include: 46% of all Medigap beneficiaries are enrolled in Plan F.
Are Medicare Advantage plans too good to be true? ›For many seniors, Medicare Advantage plans can work well. A 2021 study in the Journal of the American Medical Association found that Advantage enrollees often receive more preventive care than those in traditional Medicare. But if you have chronic conditions or significant health needs, you may want to think twice.
What changes are coming to Medicare in 2023? ›For 2023, the Part A deductible will be $1,600 per stay, an increase of $44 from 2022. For those people who have not worked long enough to qualify for premium-free Part A, the monthly premium will also rise. The full Part A premium will be $506 a month in 2023, a $7 increase.
What are 3 types of Medicare Advantage plans? ›- Health Maintenance Organization (HMO) Plans.
- Preferred Provider Organization (PPO) Plans.
- Private Fee-for-Service (PFFS) Plans.
- Special Needs Plans (SNPs)
Medicare Advantage and Medicare Supplement are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B often with Part D and other types of coverage. Medicare Supplement is additional coverage you can buy if you have Original Medicare Part A and B.
Which is better Medigap or Advantage plans? ›A Medicare Advantage plan may be a better choice if it has an out-of-pocket maximum that protects you from huge bills. Regular Medicare plus a Medigap insurance plan generally allows you more choice in where you receive your care.
What is the highest rated Medicare Supplement company? ›- Best Overall: Mutual of Omaha.
- Runner-Up: Blue Cross Blue Shield.
- Lowest Cost High-Deductible Plan G: Humana.
- Lowest Cost Plan G: AARP by UnitedHealthcare.
Medicare Part A will cover your CT scan if you have it during an inpatient hospital stay. Medicare Part B will cover your CT scan when you have it as an outpatient. A Medicare Advantage plan will also cover a CT scan, but you'll typically need to stay within your plan's network.
Do you have to pay for Medicare Part B if you have an Advantage plan? ›In addition to your Part B premium, you usually pay a monthly premium for the Medicare Advantage Plan. In 2023, the standard Part B premium amount is $164.90 (or higher depending on your income). If you need a service that the plan says isn't medically necessary, you may have to pay all the costs of the service.
How many pairs of glasses can you get with Medicare? ›
Part B will provide coverage for one pair of eyeglasses with standard frames or a single set of contact lenses, and you will pay 20 percent of the Medicare-approved amount for the lenses after each surgery.
Does AARP pay for cataract surgery? ›One of our top recommendations is to sign up for Medigap Plan G from AARP, which gives you cataract surgery at a $0 copayment, with an average policy costing about $150 per month.
Do Over 60s get free prescription glasses? ›Once you are over the age of 60 you are entitled to a free eye examination through the NHS, usually every two years. If you're on certain qualifying benefits, you'll get a voucher towards the cost of your glasses - your optician will be able to tell you this.
What does HMO POS stand for in Medicare? ›HMO, POS, PPO – all of these signify different plan types. We'll spell it out for you. HMO stands for health maintenance organization. POS stands for point of service. PPO stands for preferred provider organization.
What does HMO POS mean in insurance? ›An HMO POS plan is a Health Maintenance Organization (HMO) plan with added Point of Service (POS) benefits. These added benefits give you more flexibility when you need care. Under the HMO benefits of the plan, you have access to certain doctors and hospitals, called your HMO provider network.
What is a POS 2 plan? ›Administered by Aetna, the Point-of-Service (POS) II plan doesn't require a Primary Care Provider (PCP) or referrals, even when using in-network providers. You can go to any provider, but your out-of-pocket costs are based on the type of provider you use: In-Network Providers.
What is HMO vs HMO POS? ›Most HMOs provide care through a network of doctors, hospitals and other medical professionals that you must use to be covered for your care. With an HMO-POS you can go outside of the network for care, but you'll pay more. You'll need to choose a primary care physician (PCP) to coordinate all your care.
What is the maximum out-of-pocket for Medicare Advantage plans? ›Since 2011, federal regulation has required Medicare Advantage plans to provide an out-of-pocket limit for services covered under Parts A and B. In 2022, the out-of-pocket limit may not exceed $7,550 for in-network services and $11,300 for in-network and out-of-network services combined.
What is the difference between a HMO and a PPO Medicare Advantage plan? ›The main difference: Using the plan's provider network
In general, Medicare PPOs give plan members more leeway to see providers outside the network than Medicare HMOs do. A provider network is a list of doctors, hospitals and other health care providers under contract with a health plan.