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AARP Medicare Advantage from UHC NC-0008 (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-0008 (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-0008 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NC-0008 (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-0008 (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-0008 (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-0008 (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 $520.00 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 $6700.00 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 NC-0008 (HMO-POS) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for 1-month or 3-month supplies at standard pharmacies and mail-order services. Tier 2 generic drugs are available with a $10 copay for a 1-month supply at standard pharmacies, or with no copay for a 3-month supply when using preferred mail order. For higher-tier medications, your costs are based on coinsurance percentages rather than flat copays. Tier 3 preferred brand drugs carry a 16% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs require a 37% coinsurance, while Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC NC-0008 (HMO-POS) plan offers robust medical coverage with no copay and no coinsurance for primary care doctor visits, telehealth, and routine preventive services. Specialist office visits require a copay of $0 to $45, while inpatient hospital stays incur a $525 copay for the first few days followed by no copay for additional days. Outpatient services, home health, and diagnostic lab tests are also covered with no coinsurance and often require no copay. For additional care, the plan provides routine dental, vision, and hearing exams with no copay, as well as a $300 eyewear allowance. Skilled nursing facility stays have no copay for the first 20 days, and emergency room visits require a $130 copay which is waived if you are admitted. Durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $525 copay for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, with no copay for subsequent covered days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) covers outpatient services with no coinsurance, including outpatient hospital services with a $0 to $525 copay and observation services with a $525 daily copay. Ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse services feature no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Although some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
Emergency services under the AARP Medicare Advantage from UHC NC-0008 (HMO-POS) plan are covered with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
Primary care and telehealth services are covered by AARP Medicare Advantage from UHC NC-0008 (HMO-POS) with no copay and no coinsurance, while specialist visits require a copay of $0 to $45 and no coinsurance. Other covered benefits, including physical, occupational, speech, mental health, and podiatry therapies, range from a $0 to $45 copay with no coinsurance, though chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) provides partially covered preventive services with no copay and no coinsurance for covered services like annual physical exams, fitness benefits, and glaucoma screenings. However, several supplemental benefits are not covered, including health education, in-home safety assessments, personal emergency response systems, weight management programs, and medical nutrition therapy.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NC-0008 (HMO-POS) with no deductible and no coinsurance. Routine hearing exams have no copay, but fitting and evaluation exams are not covered. Up to two OTC hearing aids are covered with a $199 to $829 copay, and up to two prescription hearing aids are covered with a $199 to $1,249 copay, excluding inner ear, outer ear, and over the ear prescription models.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC NC-0008 (HMO-POS) with no coinsurance, featuring one routine eye exam annually with no copay and a $300 eyewear allowance every two years. Covered eyewear includes contact lenses and eyeglass frames with no copay and eyeglass lenses with a $0 to $153 copay, while other eye exam services, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) provides partial coverage for dental services, offering preventive care like cleanings, exams, and x-rays with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, but comprehensive treatments like restorative care, endodontics, periodontics, and implants are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Covered Part B drugs, including chemotherapy, radiation, and insulin, feature a coinsurance ranging from 0% to 20%, with insulin also carrying a $35 copay.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage from UHC NC-0008 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC NC-0008 (HMO-POS), with durable medical equipment, prosthetics, and medical supplies requiring no copay and a 20% coinsurance. Diabetic supplies are covered with no copay from specified manufacturers, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NC-0008 (HMO-POS), featuring no copay and no coinsurance for lab services, alongside a $50 copay and no coinsurance for diagnostic tests. Outpatient X-rays require a $30 copay, diagnostic radiology starts with no copay, and therapeutic radiological services incur a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC NC-0008 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered with no copay and no coinsurance under the AARP Medicare Advantage from UHC NC-0008 (HMO-POS) plan, but some services are covered while cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and does not require a prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with prior authorization required.
Other Services See details
AARP Medicare Advantage from UHC NC-0008 (HMO-POS) covers over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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