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AARP Medicare Advantage Giveback from UHC AR-3 (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 AR-3 (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 AR-3 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Arkansas. 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 AR-3 (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 AR-3 (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 AR-3 (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 $62.00. 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 $9250.00 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 AR-3 (HMO-POS) features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $600.00. After meeting this deductible, you will pay a $4.00 copay for Tier 1 preferred generics and a 15% coinsurance for Tier 2 standard generics at standard pharmacies. Tier 3 preferred brands require a 28% coinsurance, while Tier 4 non-preferred drugs have a 26% coinsurance through standard pharmacies and standard mail. When your yearly out-of-pocket drug costs reach $2,100.00, you transition into the catastrophic coverage phase where you pay nothing for covered Part D prescription drugs. Furthermore, beneficiaries who qualify for the low-income subsidy program will receive a premium reduction and enjoy no copay for their Part D drugs.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) offers affordable coverage for your essential medical needs with predictable cost-sharing. Members benefit from no copay and no coinsurance for primary care doctor visits, preventive services, annual physical exams, and routine eye and hearing exams. For inpatient hospital stays, there is a daily copay of $470 for days 1 through 4, followed by no copay for days 5 through 90. Specialist visits, outpatient therapies, and diagnostic lab services are highly accessible, with specialist copays capped at $55 and no copay for lab tests. While preventive dental care and routine vision services are available with no copay, comprehensive dental services and routine transportation are not covered. Additionally, dialysis and durable medical equipment require a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) provides partially covered inpatient hospital benefits with a daily copay of $470 for days 1-4, no copay for days 5-90, and no coinsurance. While acute stays include unlimited additional days at no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) covers outpatient services with no coinsurance and copays ranging from no copay up to $470. Covered benefits include outpatient blood services and ambulatory surgical center services with no copay, outpatient hospital and observation services with copays from no copay to $470, and outpatient substance abuse sessions with copays up to $25.
Partial Hospitalization See details
AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) plan, which covers ground and air ambulance services with a $275 copay and no coinsurance. Transportation services, including rides to plan-approved or any health-related locations, are not covered under this plan.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $40 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits are covered by AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) with no copay or coinsurance for primary care doctor visits, telehealth, and opioid treatment. Specialist visits, outpatient therapies, mental health services, and podiatry are also covered with copays ranging from $0 to $55 and no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, and kidney disease education. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, and weight management programs are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS), featuring one annual routine hearing exam with no copay or coinsurance, though fitting and evaluation exams are not covered. Up to two OTC hearing aids with a copay of $199 to $829 and two prescription hearing aids with a copay of $199 to $1,249 are covered yearly with no coinsurance, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS), as upgrades and combined eyeglasses (lenses and frames) are not covered. Routine eye exams, contact lenses, and eyeglass frames are available with no copay and no coinsurance, while eyeglass lenses require a copay of $0 to $153 and no coinsurance, subject to a $150 combined eyewear limit every two years.
Dental Services See details
AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) partially covers dental services, offering preventive care like exams, cleanings, and x-rays with no copay and no coinsurance, while Medicare-covered dental requires 20% coinsurance and no copay. Comprehensive services, including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics, are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) covers Home Infusion bundled Services, which require prior authorization. Under this benefit, Medicare Part B insulin drugs carry a $35 copay and no coinsurance to 20% coinsurance, while chemotherapy and other Part B drugs have no copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) with a 20% coinsurance and no copay. Prior authorization is required to receive this benefit.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for most medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) plan with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $30 copay for outpatient X-rays, a $35 copay for diagnostic tests, a $60 copay for therapeutic radiology, and between $0 and $260 for diagnostic radiological services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) 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 Giveback from UHC AR-3 (HMO-POS) plan, which includes no coverage for intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS), though additional days beyond the Medicare-covered limit are not covered. Patients will pay no coinsurance, with no copay for days 1 through 20 and a $218 daily copay for days 21 through 100.
Other Services See details
AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS) partially covers other services, providing a meal benefit for chronic illnesses with no copay and no coinsurance. However, acupuncture, over-the-counter (OTC) items, and highly integrated services for dual eligible SNPs are not covered under this plan.
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