A non-government entity
AARP Medicare Advantage from UHC NC-0021 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC NC-0021 (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 from UHC NC-0021 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in North Carolina. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC NC-0021 (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 from UHC NC-0021 (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 from UHC NC-0021 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $37.00. 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 $355.00 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 $4200.00 (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 $4200.00 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:
Sign up for AARP Medicare Advantage from UHC NC-0021 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC NC-0021 (HMO-POS) prescription drug plan features an annual drug deductible of $355. For Tier 1 preferred generic drugs, members enjoy no copay for both 1-month and 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs have a $5 copay for a 1-month supply at standard pharmacies, but members can get a 3-month supply with no copay through preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 21% coinsurance for both pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 39% coinsurance, while Tier 5 specialty drugs require a 29% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC NC-0021 (HMO-POS) plan offers comprehensive healthcare coverage featuring no copay and no coinsurance for primary care, telehealth, and routine preventive services. For inpatient hospital stays, members pay no coinsurance, with a $395 daily copay for the first six days and no copay for days 7 through 90. Specialist visits and emergency room services are also highly affordable, requiring low copays and no coinsurance. This plan also includes key extra benefits like routine dental care with no copay up to a $4,000 annual maximum, as well as routine vision and hearing exams with no copay. Members also receive a $300 eyewear allowance every two years and enjoy home health services and over-the-counter items with no copay or coinsurance. Durable medical equipment and dialysis services are also covered, requiring a standard 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $395 daily copay for days 1 to 6 and no copay for days 7 to 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services, and copays ranging from $0 to $395 for outpatient hospital and observation services. Outpatient substance abuse services are also covered with no coinsurance, requiring a $0 to $25 copay for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC NC-0021 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for this service.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Transportation services are not covered under this plan, as trips to plan-approved or any health-related locations are excluded.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC NC-0021 (HMO-POS) with a $150 copay (waived if admitted to the hospital within 24 hours) and no coinsurance. Urgently needed services require a copay ranging from $0 to $65 with 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 NC-0021 (HMO-POS) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $25 copay with no coinsurance. Therapy services require a $20 copay and no coinsurance, but chiropractic services are not covered.
Preventive Services See details
Preventive services under the AARP Medicare Advantage from UHC NC-0021 (HMO-POS) plan are covered with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. Additional preventive benefits are partially covered with no copay or coinsurance for fitness benefits and home safety devices, while services such as health education, nutritional therapy, in-home safety assessments, and personal emergency response systems are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) partially covers hearing services, offering annual routine hearing exams with no copay and no coinsurance, while fitting and evaluation services are not covered. Prescription hearing aids (limit 2 per year) require a $199 to $1,249 copay and no coinsurance, excluding inner ear, outer ear, and over the ear types, while OTC hearing aids (limit 2 per year) have a $199 to $829 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC NC-0021 (HMO-POS), offering one routine eye exam annually with no copay or coinsurance, and a $300 eyewear allowance every two years. Covered eyewear includes contact lenses and frames with no copay, and lenses with a $0 to $153 copay, though upgrades, other eye exams, and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC NC-0021 (HMO-POS), with implant services and orthodontics excluded from coverage. Preventive services feature no copay and no coinsurance up to a $4,000 annual maximum, while Medicare-covered services require no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and radiation, have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin has a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC NC-0021 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Diabetic supplies are covered with no copay and no coinsurance, though prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) covers diagnostic services with a $50 copay and no coinsurance for tests, and no copay or coinsurance for lab services. Covered radiological services include diagnostic radiology with no copay, outpatient X-rays with a $30 copay, and therapeutic radiology with a 20% coinsurance. Prior authorization is required for these diagnostic and radiological services.
Home Health Services See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC NC-0021 (HMO-POS) with no coinsurance, but some services are covered while cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC NC-0021 (HMO-POS) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
AARP Medicare Advantage from UHC NC-0021 (HMO-POS) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
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.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved