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AARP Medicare Advantage from UHC NC-0009 (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-0009 (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-0009 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NC-0009 (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-0009 (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-0009 (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-0009 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $48.00. 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 Maximum Out-Of-Pocket cost of $5400.00 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-0009 (HMO-POS) plan features an annual drug deductible of $440. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for 3-month mail orders. Tier 2 generic drugs cost an $8 copay for a 1-month supply at standard pharmacies, but choosing a 3-month preferred mail order option results in no copay. For Tier 3 preferred brand drugs, you will pay an 18% coinsurance for standard pharmacy and mail order fills. Tier 4 non-preferred drugs carry a 40% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 28% coinsurance. These tier-based copays and coinsurance rates help you understand your out-of-pocket prescription expenses under this plan.
Additional Benefits
The AARP Medicare Advantage from UHC NC-0009 (HMO-POS) plan offers comprehensive medical coverage with predictable cost-sharing and no coinsurance for most primary services. Members enjoy no copay for primary care, telehealth, and preventive services, with specialist visits requiring a copay between $0 and $35. Inpatient hospital stays require a $450 daily copay for days one through five with no copay for additional days, while emergency room visits carry a $130 copay. This plan also features strong ancillary benefits, including no copay for routine dental, vision, and hearing exams. Dental care includes a $2,000 annual limit for preventive services, and eyewear is covered up to $300 every two years with no coinsurance. Durable medical equipment and dialysis services require no copay and a standard 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC NC-0009 (HMO-POS) with no coinsurance, requiring a $450 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional acute care days are covered with no copay, though additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NC-0009 (HMO-POS) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $450 for outpatient hospital services and a $450 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services have copays between $0 and $25 with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage from UHC NC-0009 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC NC-0009 (HMO-POS). Ground and air ambulance services require a $275 copay and no coinsurance, but transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC NC-0009 (HMO-POS) covers emergency services 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 of $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC NC-0009 (HMO-POS) plan feature no copay and no coinsurance for primary care provider visits and telehealth services, while specialist visits range from a $0 to $35 copay with no coinsurance. Other covered services, such as physical therapy and mental health sessions, feature copays ranging up to $35 with no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage from UHC NC-0009 (HMO-POS) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and fitness benefits. However, additional preventive services are only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC NC-0009 (HMO-POS) with no deductible. Routine exams have no copay and no coinsurance, prescription hearing aids have a $199.00 to $1,249.00 copay and no coinsurance, and OTC hearing aids have a $199.00 to $829.00 copay and no coinsurance. Hearing aid fittings and evaluations, as well as 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 NC-0009 (HMO-POS) with no deductibles or coinsurance, including no copay for an annual routine eye exam. Covered eyewear has a $300 combined limit every two years with no coinsurance and copays ranging from no copay for frames and contacts to $0-$153 for lenses, though other eye exams, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC NC-0009 (HMO-POS) covers preventive dental services with no copay and no coinsurance, up to a $2,000 annual maximum. Medicare-covered dental services require no copay and 20% coinsurance, while comprehensive services are partially covered with no copay and 50% coinsurance, excluding implants and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC NC-0009 (HMO-POS) with no copay, although prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin drugs have a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC NC-0009 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC NC-0009 (HMO-POS) with no copays, though a 20% coinsurance applies to durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC NC-0009 (HMO-POS) with prior authorization required. Diagnostic tests require a $50 copay with no coinsurance, lab and diagnostic radiology have no copay and no coinsurance, outpatient X-rays carry a $30 copay and coinsurance, and therapeutic radiology requires a minimum 20% coinsurance and a copay.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage from UHC NC-0009 (HMO-POS) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC NC-0009 (HMO-POS) plan with no coinsurance and no copay, 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
AARP Medicare Advantage from UHC NC-0009 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior 3-day hospital stay required, though prior authorization is necessary. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond the 100-day Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NC-0009 (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.
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