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AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Indiana. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) 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 Giveback from UHC IN-20 (HMO-POS).
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 Giveback from UHC IN-20 (HMO-POS), 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. Additionally, this plan comes with a Part B Premium reduction of $47.00. You must continue to pay paying your reduced 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 $600.00 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 Maximum Out-Of-Pocket cost of $6700.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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 Giveback from UHC IN-20 (HMO-POS) prescription drug plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, there is no copay for a one-month or three-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs require a $14 copay for a one-month supply at standard pharmacies, but you can save with no copay for a three-month supply through preferred mail order. For higher-tier medications, costs are based on coinsurance rather than copays. Tier 3 preferred brand drugs require a 15% coinsurance for both standard pharmacies and mail-order options. Tier 4 non-preferred drugs carry a 37% coinsurance, while Tier 5 specialty medications require a 26% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) offers comprehensive coverage with many essential services requiring no copay and no coinsurance, including primary care visits, telehealth, and preventive care. For hospital stays, there is no coinsurance, though inpatient care requires a $550 daily copay for the first four days and outpatient services range from no copay to a $550 copay. Emergency room visits carry a $130 copay, which is waived upon admission, while urgent care and specialist visits feature low copays ranging up to $50 and $60, respectively. This plan also provides valuable supplemental benefits, featuring no copay for routine eye and hearing exams, along with coverage for eyewear and hearing aids. Preventive dental care is covered with no copay and no coinsurance, while Medicare-covered dental, dialysis, and durable medical equipment require a 20% coinsurance. Home health services and diagnostic lab tests are also fully covered with no copay or coinsurance, helping you manage your healthcare expenses.
Inpatient Hospital See details
Inpatient hospital services under the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) are covered with no coinsurance, requiring a $550 daily copay for days 1 through 4 and no copay for days 5 through 90. While unlimited additional acute care days are covered at no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) covers outpatient services with no coinsurance, offering no copays for ambulatory surgical center and blood services. Outpatient hospital services require a copay ranging from $0 to $550, observation services cost a $550 daily copay, and outpatient substance abuse sessions have a copay of $0 to $25.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) plan with a $55.00 copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) covers Medicare-approved ground and air ambulance services with a $145 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) 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 feature a copay ranging from no copay to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) feature no copay and no coinsurance for primary care provider visits and telehealth. Other covered services like specialist visits, physical therapy, and mental health sessions have copays ranging from $0 to $60 with no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
Preventive Services under the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) are partially covered with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, glaucoma screenings, and a fitness benefit. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, nutritional/dietary benefits, and weight management programs.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS), which provides one annual routine hearing exam with no copay, no coinsurance, and no deductible, while fitting and evaluation exams are not covered. Up to two prescription hearing aids (copay of $199 to $1,249) and two OTC hearing aids (copay of $199 to $829) are covered annually with no coinsurance, though inner, outer, and over-the-ear prescription models are excluded.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS), featuring routine eye exams with no copay and no coinsurance, while other eye exam services are not covered. Eyewear is also covered with no coinsurance and copays ranging from $0 to $153 up to a $150 limit every two years, though upgrades and bundled eyeglasses (lenses and frames) are excluded.
Dental Services See details
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) offers partially covered dental services, featuring Medicare-covered dental care with no copay and 20% coinsurance, and preventive care like exams and cleanings with no copay and no coinsurance. Services such as restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, maxillofacial prosthetics, adjunctive general, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered under the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other Part B drugs have no coinsurance to 20% coinsurance, while Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to access these covered services.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Diagnostic procedures and outpatient X-rays carry a $5 copay, therapeutic radiological services require a $60 copay, and there is no copay for lab services or diagnostic radiological services.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are available under the AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) with no copay, no coinsurance, and prior authorization required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) covers skilled nursing facility care 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, and additional days beyond the Medicare-covered 100 days are not covered.
Other Services See details
AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS) partially covers other services, offering a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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