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AARP Medicare Advantage from UHC TC-0003 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC TC-0003 (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 TC-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Tennessee and Virginia. 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 TC-0003 (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 TC-0003 (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 TC-0003 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $42.00. 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 Maximum Out-Of-Pocket cost of $3500.00 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 from UHC TC-0003 (HMO-POS) plan features an annual drug deductible of $355. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs cost a $5 copay for a 1-month supply at standard pharmacies, but you can secure no copay for a 3-month supply when using preferred mail order. For higher-tier medications, the plan transitions from flat copays to coinsurance percentages. Tier 3 preferred brand drugs require a 21% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 39% and 29% coinsurance respectively for a 1-month supply across standard pharmacies and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan offers robust medical coverage with predictable out-of-pocket costs, featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a daily copay of $225 for days 1 through 5 and no copay for days 6 through 90, with no coinsurance. Specialist visits range from no copay up to a $30 copay, while emergency care carries a $150 copay that is waived if the member is admitted to the hospital. This plan also provides valuable supplemental benefits, including dental coverage up to a $3,500 annual limit with no copay for preventive care and 50% coinsurance for comprehensive services. Routine vision and hearing exams are available with no copay, while prescription hearing aids require copays ranging from $199 to $1,249. Additionally, durable medical equipment and dialysis require 20% coinsurance with no copay, and skilled nursing facility stays feature no copay for the first 20 days.
Inpatient Hospital See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) covers inpatient acute and psychiatric hospital stays with no coinsurance and a copay of $225 per day for days 1 through 5, followed by no copay for days 6 through 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay and no coinsurance. Outpatient hospital and observation services require a copay of $0 to $225 with no coinsurance, and outpatient substance abuse services have a copay of $0 to $25 with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) covers partial hospitalization services 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 offered by AARP Medicare Advantage from UHC TC-0003 (HMO-POS), featuring a $290 copay and no coinsurance for both ground and air ambulance services. While 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
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a $0 to $65 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) provides primary care physician visits, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits have a $0 to $30 copay, therapy and podiatry services have a $30 copay, and mental health sessions require a $0 to $25 copay, all with no coinsurance. Some chiropractic services are covered, but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC TC-0003 (HMO-POS) with no copay and no coinsurance for covered options such as annual physicals, fitness benefits, and diabetes self-management training. However, several supplemental services are not covered, including health education, weight management programs, in-home safety assessments, and nutritional benefits.
Hearing Services See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) offers partially covered hearing services, featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with no coinsurance and a copay of $199.00 to $1,249.00, while up to two OTC hearing aids are covered with no coinsurance and a copay of $199.00 to $829.00. Inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC TC-0003 (HMO-POS) with no deductible or coinsurance, featuring no copay for annual routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay for eyeglass lenses up to a $200 limit every two years. Other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) partially covers dental services up to a $3,500 annual limit, though implant services and orthodontics are not covered. Preventive care is available with no copay and no coinsurance, while Medicare-covered services carry no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC TC-0003 (HMO-POS) with no copay, while associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and a coinsurance ranging from no coinsurance to 20%. Covered Part B insulin drugs require a $35 copay and a coinsurance ranging from no coinsurance to 20%, with prior authorization and step therapy required for certain services.
Dialysis Services See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) covers durable medical equipment, prosthetics, and diabetic therapeutic shoes with no copay and a 20% coinsurance. Prior authorization is required for these medical equipment benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) covers diagnostic services with no coinsurance, featuring a $50 copay for tests and no copay for lab services. Covered radiological services require prior authorization and include diagnostic radiology with no copay or coinsurance, outpatient X-rays with a $30 copay, and therapeutic radiology with 20% coinsurance.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan with no coinsurance and no copay, though prior authorization is required. Some services are covered, but standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for PAD rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC TC-0003 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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