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AARP Medicare Advantage from UHC TN-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 TN-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 TN-0003 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC TN-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. 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 TN-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 TN-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 TN-0003 (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 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 TN-0003 (HMO-POS) plan features an annual drug deductible of $440. For Tier 1 preferred generic medications, there is no copay for a one-month or three-month supply at standard pharmacies and through mail order. Tier 2 generic drugs cost a $12 copay for a one-month supply at standard pharmacies, but you can secure a three-month supply with no copay using preferred mail order. Higher-tier prescriptions transition to coinsurance, with Tier 3 preferred brand drugs requiring a 15% coinsurance across standard pharmacies and mail order. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 40% and 28% coinsurance respectively for a one-month supply. These structured costs provide clear expectations for your prescription drug expenses under this plan.
Additional Benefits
The AARP Medicare Advantage from UHC TN-0003 (HMO-POS) plan offers strong core medical coverage with no copay and no coinsurance for primary care visits, annual physicals, and home health services. For specialized care, members can expect predictable out-of-pocket costs, including a $0 to $40 copay for specialists, a $130 copay for emergency room visits, and a $455 daily copay for the first six days of acute inpatient hospital stays. Outpatient surgical services and lab tests are also available with no copay and no coinsurance. In addition to standard medical care, this plan provides valuable routine dental, vision, and hearing benefits with no copays for preventive dental care, routine eye exams, and annual hearing tests. Prescription hearing aids require copays ranging from $199 to $1,249, while comprehensive dental care and durable medical equipment are covered with coinsurance ranging from 20% to 50%. Members also benefit from no copay for the first 20 days of skilled nursing facility stays and no copay for select over-the-counter items.
Inpatient Hospital See details
AARP Medicare Advantage from UHC TN-0003 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $455 daily copay for days 1-6 of acute stays (no copay for days 7 and beyond) and a $455 daily copay for days 1-5 of psychiatric stays (no copay for days 6-90). Prior authorization is required, and non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient Services covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS) feature no coinsurance across all services, though prior authorization is required. There is no copay for ambulatory surgical center and blood services, a $0 to $455 copay for outpatient hospital and observation services, and outpatient substance abuse session copays range from no copay to $25.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS) with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC TN-0003 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC TN-0003 (HMO-POS) covers emergency services with a $130 copay and no coinsurance, which is waived if admitted to the hospital within 24 hours. Urgently needed services require 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 are covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS) with no copay and no coinsurance for primary care provider visits and telehealth. Specialist visits, therapy, and mental health services are covered with copays ranging from $0 to $40 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC TN-0003 (HMO-POS) provides partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, kidney education, and fitness programs. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS), offering one routine hearing exam per year with no copay and no coinsurance, but excluding fitting and evaluation exams. Up to two prescription or OTC hearing aids are covered annually with no coinsurance and copays ranging from $199.00 to $1,249.00, though inner ear, outer ear, and over-the-ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS) with no deductible, no coinsurance, and no copay for annual routine eye exams, contact lenses, and frames. Eyeglass lenses carry a $0 to $153 copay up to a $300 combined eyewear limit every two years, whereas other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC TN-0003 (HMO-POS) provides partially covered dental services with no copays, featuring no coinsurance for preventive services up to a $2,500 annual maximum, 20% coinsurance for Medicare-covered dental, and 50% coinsurance for comprehensive care. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required for this covered benefit.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS), offering durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies feature no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC TN-0003 (HMO-POS) plan, with prior authorization required for all services. Lab services and diagnostic radiological services are available with no copay and no coinsurance, while diagnostic tests require a $50 copay with no coinsurance, outpatient X-rays carry a $30 copay, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC TN-0003 (HMO-POS) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC TN-0003 (HMO-POS) 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 for peripheral artery disease services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC TN-0003 (HMO-POS) covers skilled nursing facility (SNF) services 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, and while a three-day prior hospital stay is not required for admission, additional days beyond the standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC TN-0003 (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, and prior authorization is required for the meal benefit.
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