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AARP Medicare Advantage from UHC TN-0006 (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-0006 (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-0006 (HMO-POS) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC TN-0006 (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 2025.
It's important to know that AARP Medicare Advantage from UHC TN-0006 (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-0006 (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-0006 (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $45.00. 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 $340.00 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 $4900.00 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-0006 (HMO-POS) plan has an enhanced alternative drug benefit. The plan has a $340 deductible. After the deductible, you will pay a copay or coinsurance for your prescriptions depending on the drug tier and pharmacy. For preferred generic drugs, you will pay an $8 copay at a standard pharmacy. For standard generic drugs, you will pay a $47 copay at a standard pharmacy. For preferred brand drugs, you will pay a $100 copay. Non-preferred drugs have a 29% coinsurance. After your yearly out-of-pocket drug costs reach $2000, you pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan offers a range of benefits with varying costs. Inpatient hospital stays have a $325 copay for the first 5 days, with no copay for the rest of the stay. The plan covers primary care, preventive services, hearing exams, routine eye exams, and many dental services with no copay. Other services include outpatient services, ambulance services, and emergency services with copays ranging from $0 to $275. The plan also offers coverage for prescription hearing aids, vision, and dental services with varying copays or coinsurance. Additionally, the plan covers home health services, skilled nursing facilities, and medical equipment with specific cost-sharing structures.
Inpatient Hospital See details
Inpatient Hospital coverage includes a $325 copay for days 1-5, and no copay for days 6-90, with additional days covered with no copay; however, Non-Medicare-covered stays and upgrades are not covered. Inpatient Hospital Psychiatric coverage includes a $325 copay for days 1-5, and no copay for days 6-90, but additional days and Non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services, including all outpatient hospital services and outpatient blood services, are covered. Outpatient hospital services have a copay between $0 and $325, and observation services have a $325 copay, while ambulatory surgical center services and outpatient blood services have no copay. Outpatient substance abuse services have a copay between $0 and $25 for individual sessions and a $15 copay for group sessions.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan, but requires prior authorization. You will have a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan. Ground and Air Ambulance services have a $275 copay, with no coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered, with a $125 copay, and no coinsurance. Urgently Needed Services have a copay between $0 and $55, and no coinsurance. Worldwide Emergency Services are covered, with no copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan covers primary care physician services, with no copay, and chiropractic services with a $20 copay. Occupational therapy services have a copay between $0 and $25, while mental health and psychiatric services have a copay between $0 and $25 for individual sessions and $15 for group sessions. The plan also covers podiatry services and other health care professional services with a $25 copay, physical therapy and speech-language pathology services with a copay between $0 and $25, additional telehealth benefits with no copay, and opioid treatment program services with no copay.
Preventive Services See details
Preventive Services includes coverage for Medicare-covered preventive services with no copay, as well as an annual physical exam with no copay. Additional preventive services, including Fitness Benefits, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, are covered with no copay, while Health Education, In-Home Safety Assessment, Personal Emergency Response System (PERS), Medical Nutrition Therapy (MNT), Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, and Counseling Services are not covered.
Hearing Services See details
Hearing Services include hearing exams, prescription hearing aids, and OTC hearing aids. Hearing exams have no copay, and routine hearing exams are covered once per year. Prescription hearing aids (all types) have a copay between $199 and $1249 per year, and OTC hearing aids have a copay between $99 and $829 per year. Fitting/evaluation for hearing aids, and prescription hearing aids for the inner and outer ear, and over the ear are not covered.
Vision Services See details
The AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan covers vision services, including routine eye exams and eyewear. Routine eye exams and eyewear have no copay, and contact lenses, eyeglass lenses, and eyeglass frames are covered. Eyeglasses (lenses and frames) and upgrades are not covered.
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, restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, and oral and maxillofacial surgery are covered with no copay; however, implant services and orthodontics are not covered. Prosthodontics (removable and fixed) has a coinsurance of 0% - 50%.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but prior authorization is required. 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, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan, with a coinsurance of 20%. Prior authorization is required.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan, including durable medical equipment, prosthetics, and diabetic equipment. Durable medical equipment has a 20% coinsurance and requires prior authorization, and prosthetic devices have a 20% coinsurance. Diabetic supplies have no copay, while diabetic therapeutic shoes/inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures/tests with a $50 copay, and lab services with no copay. Diagnostic radiological services have a copay of at most $225, therapeutic radiological services have a coinsurance of at least 20%, and outpatient X-ray services have a $25 copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC TN-0006 (HMO-POS) with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $203 per day; there is no coinsurance. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other services include over-the-counter items and a meal benefit. Over-the-counter items have no copay, and the meal benefit has no copay and requires prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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