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AARP Medicare Advantage from UHC NC-0022 (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-0022 (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-0022 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NC-0022 (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-0022 (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-0022 (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-0022 (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.
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 $5400.00 (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 $5400.00 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 NC-0022 (HMO-POS) plan has an annual prescription drug deductible of $440. For Tier 1 preferred generic drugs, there is no copay for 1-month or 3-month supplies at standard pharmacies and through mail order. Tier 2 generic drugs have a $10 copay for a 1-month supply at standard pharmacies, but you can save with no copay on a 3-month supply through preferred mail order. Higher-tier medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brands require a 15% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs carry a 42% coinsurance, while Tier 5 specialty drugs require a 28% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC NC-0022 (HMO-POS) plan offers robust medical coverage featuring no copay for primary care visits, telehealth services, and annual physicals. Specialist office visits range from no copay to a $40 copay, while emergency care requires a $130 copay which is waived upon hospital admission. For hospital stays, inpatient acute care carries a $455 daily copay for days one through six and no copay for subsequent days, with no coinsurance. Ancillary benefits include routine dental, vision, and hearing exams with no copay or coinsurance. The plan features a $300 eyewear allowance every two years and covers preventive dental services with no copay up to a $1,250 annual limit. Additionally, diabetic supplies and home health services require no copay, though durable medical equipment and dialysis services carry a 20% coinsurance with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NC-0022 (HMO-POS) covers inpatient hospital services with no coinsurance, though the benefit is only partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. For acute stays, there is a $455 copay for days 1 to 6 and no copay for days 7 and beyond, while psychiatric stays require a $455 copay for days 1 to 5 and no copay for days 6 to 90.
Outpatient Services See details
AARP Medicare Advantage from UHC NC-0022 (HMO-POS) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require copays up to $455 (including a $455 daily copay for observation), while outpatient substance abuse sessions have no coinsurance and copays up to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NC-0022 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services through AARP Medicare Advantage from UHC NC-0022 (HMO-POS) include Medicare-covered ground and air ambulance services for a $275 copay and no coinsurance, subject to prior authorization. Although some transportation services are covered, transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC NC-0022 (HMO-POS) with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. 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
Primary Care benefits under AARP Medicare Advantage from UHC NC-0022 (HMO-POS) feature no copay and no coinsurance for primary care and telehealth visits, while specialist visits range from a $0 to $40 copay with no coinsurance. Physical, occupational, and speech therapies require a $25 copay and no coinsurance, though routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC NC-0022 (HMO-POS) with no copay and no coinsurance for annual physicals, fitness benefits, and kidney disease education. However, additional preventive services are only partially covered, excluding health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home modifications, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC NC-0022 (HMO-POS) hearing services are partially covered, offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two prescription hearing aids per year with a $199.00 to $1,249.00 copay and no coinsurance (excluding inner ear, outer ear, and over the ear types), as well as up to two OTC hearing aids with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
Vision Services under the AARP Medicare Advantage from UHC NC-0022 (HMO-POS) plan are partially covered, offering one annual routine eye exam with no copay, no coinsurance, and no deductible, while other eye exams are not covered. Eyewear is covered up to a $300 limit every two years with no coinsurance or deductible, featuring no copay for contact lenses and frames, and a $0 to $153 copay for lenses, though upgrades and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC NC-0022 (HMO-POS), excluding implant services and orthodontics which are not covered. Preventive and diagnostic dental services feature no copay and no coinsurance up to a $1,250 annual limit, while Medicare-covered dental services require a 20% coinsurance and other comprehensive dental services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC NC-0022 (HMO-POS) with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC NC-0022 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
AARP Medicare Advantage from UHC NC-0022 (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 shoes and inserts require a 20% coinsurance, with prior authorization required for most equipment.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC NC-0022 (HMO-POS) covers diagnostic and radiological services, with no copay and no coinsurance for lab tests and diagnostic radiology. Diagnostic tests require a $50 copay and no coinsurance, outpatient X-rays carry a $30 copay and coinsurance, and therapeutic radiology has no copay and a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC NC-0022 (HMO-POS) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC NC-0022 (HMO-POS) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC NC-0022 (HMO-POS) 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 3-day inpatient 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 NC-0022 (HMO-POS) partially covers other services, including a meal benefit for chronic illnesses with no copay and no coinsurance, though prior authorization is required. Acupuncture and Over-the-Counter (OTC) items are not covered under this plan.
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