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AARP Medicare Advantage Access from UHC TN-7 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Access from UHC TN-7 (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP Medicare Advantage Access from UHC TN-7 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Access from UHC TN-7 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Tennessee. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage Access from UHC TN-7 (PPO) 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 Access from UHC TN-7 (PPO).
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 Access from UHC TN-7 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $247.00. 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 $570.00 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 combined Maximum Out-Of-Pocket cost of $3000.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $3000.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 Access from UHC TN-7 (PPO) plan has an enhanced alternative drug benefit. The plan has a deductible of $570.00. Once you meet your deductible, your cost for drugs will vary depending on the drug tier and pharmacy. For example, you will pay an $8.00 copay for preferred generic drugs at a standard pharmacy, and a $100.00 copay for preferred brand drugs. Once your total drug costs reach $2000.00, you will enter the catastrophic coverage phase where you pay nothing for Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage Access from UHC TN-7 (PPO) plan offers a wide range of benefits with no copay, including inpatient and outpatient hospital services, emergency services, primary care, preventive services, and home health services. The plan also covers hearing and vision exams, dental services, and durable medical equipment with no copay. Prescription hearing aids and eyeglass lenses have copays, and certain services like routine chiropractic care, hearing aid fitting/evaluation, and upgrades to vision and dental services are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both of which have no copay for Medicare-covered stays. Additional days for Inpatient Hospital-Acute are covered with no copay, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute are not covered, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are also not covered.
Outpatient Services See details
Outpatient services, including outpatient hospital services, observation services, ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services, are covered with no copay. Prior authorization is required for some services.
Partial Hospitalization See details
Partial Hospitalization is covered with prior authorization and no copay.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the AARP Medicare Advantage Access from UHC TN-7 (PPO) plan. Ground and Air Ambulance Services have no copay and no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Urgently Needed Services, are covered by AARP Medicare Advantage Access from UHC TN-7 (PPO) with no copay and no coinsurance. Worldwide Emergency Services are also covered, with no copay or coinsurance for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The AARP Medicare Advantage Access from UHC TN-7 (PPO) plan covers primary care physician services, chiropractic services, occupational therapy services, physician specialist services, mental health specialty services, podiatry services, other health care professional, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services with a $0 copay for most services. Routine chiropractic care is not covered.
Preventive Services See details
The AARP Medicare Advantage Access from UHC TN-7 (PPO) plan covers preventive services, including an annual physical exam with no copay. Additional preventive services are covered, and some services, like health education, are not covered.
Hearing Services See details
Hearing exams are covered with no copay, while routine hearing exams are limited to one visit per year with no copay, but fitting/evaluation for hearing aids is not covered. Prescription hearing aids have a copay between $199 and $1249 for all types of prescription hearing aids, but prescription hearing aids - inner ear, outer ear, and over the ear are not covered. OTC hearing aids have a copay between $99 and $829, and are limited to a quantity of 2 every year.
Vision Services See details
Vision services include eye exams with no copay, routine eye exams with no copay for one visit every year, and eyewear. Eyewear includes contact lenses with no copay, eyeglass lenses with a copay of $0-$153, and eyeglass frames with no copay for one pair every two years. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
The AARP Medicare Advantage Access from UHC TN-7 (PPO) plan covers dental services, including oral exams, dental x-rays, other diagnostic and preventive services, prophylaxis (cleaning), and fluoride treatments with no copay. Restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, and oral and maxillofacial surgery are also covered with no copay, as well as prosthodontics (removable and fixed), with a coinsurance of 0% to 50%. However, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay, with coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered with prior authorization. The plan has a coinsurance of 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has no coinsurance and no copay, but requires authorization. Prosthetic Devices and Medical Supplies have no coinsurance and no copay. Diabetic Equipment has a copay.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services, including Diagnostic Procedures/Tests, Lab Services, Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services, are covered. Diagnostic Procedures/Tests and Lab Services have no copay. Diagnostic Radiological Services, Therapeutic Radiological Services, and Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but not in practice. While the plan covers Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services, none of these sub-services are covered.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage Access from UHC TN-7 (PPO) plan covers Skilled Nursing Facility (SNF) services with no copay for days 1-100, but additional days beyond Medicare-covered and non-Medicare-covered stays are not covered. Prior authorization is required.
Other Services See details
Other Services includes a meal benefit with no copay, but requires prior authorization; acupuncture, over-the-counter items, and several other services are not covered.
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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.
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