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AARP Medicare Advantage from UHC TN-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC TN-0002 (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 from UHC TN-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC TN-0002 (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 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC TN-0002 (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 from UHC TN-0002 (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 from UHC TN-0002 (PPO), 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 $440.00 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 $10100.00 (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 $10100.00 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 from UHC TN-0002 (PPO) plan features an annual drug deductible of $440. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic medications filled at standard pharmacies or through standard mail order. This applies to both 1-month and 3-month supplies, offering excellent savings on standard generic prescriptions. For brand-name and specialty medications, costs are based on coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs require a 20% coinsurance, Tier 4 non-preferred drugs have a 41% coinsurance, and Tier 5 specialty drugs carry a 28% coinsurance. These coinsurance rates apply to standard pharmacies and standard mail order services for available supply lengths.
Additional Benefits
The AARP Medicare Advantage from UHC TN-0002 (PPO) plan offers comprehensive healthcare coverage with no copay for primary care, telehealth, and preventive services. For hospital stays, members pay no coinsurance and a $455 copay for the first few days of inpatient care, while skilled nursing facility stays feature no copay for the first 20 days. Emergency room visits require a $130 copay, which is waived upon admission, and outpatient services feature copays ranging from no copay up to $455. This plan also includes valuable supplemental benefits to help lower out-of-pocket costs, offering routine hearing and vision exams with no copay alongside allowance options for eyewear and hearing aids. Preventive dental care and home health services are covered with no copay or coinsurance, though Medicare-covered dental services require a 20% coinsurance. Additionally, members can access over-the-counter items and chronic illness meal benefits with no copay or coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC TN-0002 (PPO) partially covers inpatient hospital services with no coinsurance, charging a $455 copay for days 1 to 6 for acute stays and days 1 to 5 for psychiatric stays, with no copay for additional covered days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this plan.
Outpatient Services See details
Outpatient services are covered by the AARP Medicare Advantage from UHC TN-0002 (PPO) with no coinsurance, featuring copays ranging from $0 to $455 for outpatient hospital and observation services, and no copay for ambulatory surgical center or blood services. Outpatient substance abuse services also have no coinsurance, with copays ranging from $0 to $25 for individual sessions and a flat $15 copay for group sessions.
Partial Hospitalization See details
The AARP Medicare Advantage from UHC TN-0002 (PPO) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC TN-0002 (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance, but transportation services are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC TN-0002 (PPO) 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 require a $0 to $50 copay 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 TN-0002 (PPO) offers primary care physician and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $45 copay with no coinsurance. Physical, occupational, and speech therapy require a $40 copay and no coinsurance, but chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC TN-0002 (PPO) with no copay and no coinsurance for exams, kidney education, fitness benefits, and safety devices. Non-covered services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC TN-0002 (PPO), offering one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation services are not covered. Up to two prescription hearing aids (copays of $199 to $1,249) and two OTC hearing aids (copays of $199 to $829) are covered yearly with no coinsurance, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC TN-0002 (PPO) provides partially covered vision services with no deductibles and no coinsurance, featuring one routine eye exam per year at no copay. Covered eyewear has a $300 combined maximum benefit every two years with no copay for contacts and frames and a $0 to $153 copay for lenses, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC TN-0002 (PPO), which offers preventive care like exams and cleanings with no copay and no coinsurance, and Medicare-covered dental services with no copay and a 20% coinsurance. However, comprehensive services such as restorative care, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC TN-0002 (PPO) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC TN-0002 (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC TN-0002 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by AARP Medicare Advantage from UHC TN-0002 (PPO), requiring prior authorization for all services. Diagnostic procedures carry a $50 copay with no coinsurance, lab services have no copay or coinsurance, and radiological services range from no copay for diagnostic imaging to a $30 copay with coinsurance for X-rays and a 20% coinsurance plus copay for therapeutic services.
Home Health Services See details
Home health services are covered by AARP Medicare Advantage from UHC TN-0002 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are not covered by the AARP Medicare Advantage from UHC TN-0002 (PPO) plan. This non-coverage applies to all related sub-services, including intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC TN-0002 (PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not required for admission, and additional days beyond the standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC TN-0002 (PPO) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and other additional services are not covered under this plan.
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