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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 2025, 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 2025.
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 $41.00. 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 $255.00 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 $3000.00 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 has a $255.00 deductible for prescription drugs. After the deductible, you'll pay a copay or coinsurance depending on the drug tier and pharmacy used. For example, standard generic drugs have a $5.00 or $47.00 copay, while preferred brand drugs have a $100.00 copay. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase where you pay nothing for covered Part D drugs. This plan also offers a Part D premium reduction for those who qualify for the low-income subsidy.
Additional Benefits
The AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan offers comprehensive coverage, including inpatient hospital stays with a $175 copay for the first five days, and outpatient services with varying copays. You'll have no copay for primary care visits, routine hearing exams, and preventive services. The plan also includes coverage for hearing and vision services, with no copay for routine eye exams, and prescription hearing aids with a copay. This plan also includes coverage for dental services, with a 20% coinsurance for Medicare dental services. You'll have no copay for ambulance services, and emergency services are covered with a $140 copay. Additionally, the plan provides coverage for home health services with no copay, and Skilled Nursing Facility (SNF) services with no copay for the first 20 days.
Inpatient Hospital See details
The AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan covers Inpatient Hospital services, with a copay of $175 for days 1-5 and no copay for days 6-90 for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. Additional days for Inpatient Hospital-Acute has no copay for days 91-999. Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, as well as Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric, are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $175, observation services with a $175 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, and outpatient blood services with no copay. Prior authorization is required for all services.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan, with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan, including ground and air ambulance services. Ground and air ambulance services have a $290 copay, and there is no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services have a $140 copay, while Urgently Needed Services have a copay between $0 and $65; all of these services have no coinsurance. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay and no coinsurance.
Primary Care See details
The AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan offers a Primary Care benefit that includes no copay for Primary Care Physician Services. Chiropractic Services have a $20 copay, but Routine Care is not covered. Occupational Therapy Services and Physical Therapy have a copay between $0 and $25, and Physician Specialist Services, Mental Health, Podiatry, Other Health Care Professional, and Psychiatric Services have varying copays depending on the specific service.
Preventive Services See details
The AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan covers preventive services, including an annual physical exam with no copay. The plan also covers additional preventive services, some of which require a copay. Some services are not covered, including health education, in-home safety assessment, and several others.
Hearing Services See details
Hearing services include hearing exams, prescription hearing aids, and OTC hearing aids. Routine hearing exams have no copay, and are limited to 1 per year. Prescription hearing aids have a copay between $199 and $1249 for all types, with a limit of 2 per year, and OTC hearing aids have a copay between $99 and $829, with a limit of 2 per year. Fitting/evaluation for hearing aids, inner ear prescription hearing aids, outer ear prescription hearing aids, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
The AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan covers routine eye exams and eyewear with no copay; however, eyeglasses (lenses and frames) and upgrades are not covered. Contact lenses, eyeglass lenses, and eyeglass frames are covered with a maximum combined benefit of $300 every two years.
Dental Services See details
Dental services are covered, with a 20% coinsurance for Medicare dental services. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, and oral and maxillofacial surgery have no copay. Restorative services and prosthodontics (fixed) have a coinsurance between 0% and 50%, while prosthodontics (removable) has a coinsurance between 0% and 50%. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs, are covered with prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance ranges from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan and require prior authorization, with a coinsurance of 20%.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment (DME), Prosthetics, Medical Supplies, and Diabetic Equipment, is covered. DME has a 20% coinsurance, and Prosthetic Devices and Medical Supplies also have a 20% coinsurance; Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for Diagnostic Procedures/Tests with a $50 copay, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $190, Therapeutic Radiological Services with 20% coinsurance, and Outpatient X-Ray Services with a $15 copay. All services require prior authorization.
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. However, Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization is required for this benefit, and the copay information is available separately.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC TC-0003 (HMO-POS) plan, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100; additional days beyond Medicare-covered for SNF and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) Items and a Meal Benefit, with no copay for either. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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