2027 Medicare Advantage plan

AARP Medicare Advantage Essentials from UHC UT-4 (HMO-POS)

From UnitedHealthcare · HMO-POS · Plan ID H4604-011-0

★★★★★4
Medicare star rating
rated per insurer contract (H4604)
  • Health plan (Part C)★★★★★4
  • Drug plan (Part D)★★★★★4

Costs

Monthly plan premium
$0
Health premium (Part C)
$0
Drug premium (Part D)
$0
In-network out-of-pocket maximum
$4,900
Annual drug deductible
$685
Drug benefit
Enhanced
Drug coverage included
Yes

You also keep paying your Medicare Part B premium. Copays, coinsurance and which doctors and pharmacies are in network vary by plan. Check the plan's Evidence of Coverage.

Changes from 2026

  • Out-of-pocket maximum changed from $5,200 to $4,900.
  • Drug deductible changed from $440 to $685.

Where this plan is offered