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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 2026, 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 2026.
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 $63.00. 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 $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-0006 (HMO-POS) prescription drug plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs cost an $8 copay for a 1-month supply at standard pharmacies, while a 3-month supply has no copay when filled through preferred mail order. Higher-tier medications under this plan transition to coinsurance costs rather than flat copays. Tier 3 preferred brand drugs require a 21% coinsurance for standard pharmacy and mail-order fills. Additionally, Tier 4 non-preferred drugs carry a 30% coinsurance, while Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan offers comprehensive medical coverage with no copay or coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $455 copay per day for the first 1 to 6 days of acute care, while emergency room visits carry a $130 copay that is waived upon admission. Outpatient services and specialist visits are also highly affordable, featuring low to no copays and no coinsurance for most diagnostic lab work. This plan also includes valuable dental, vision, and hearing benefits, highlighted by no copay for preventive dental up to a $1,500 annual limit and routine eye and hearing exams with no copay. Prescription hearing aids require copays starting at $199, while vision coverage includes a $200 eyewear allowance every two years. Additionally, skilled nursing facility stays feature no copay for the first 20 days, and durable medical equipment is covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC TN-0006 (HMO-POS) with no coinsurance, requiring a $455 copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, with no copay for remaining covered days. Non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC TN-0006 (HMO-POS) covers outpatient services with no coinsurance, featuring a $0 to $455 copay for outpatient hospital services and a $455 daily copay for observation services. Ambulatory surgical center and blood services are covered with no copay, while outpatient substance abuse sessions require copays ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC TN-0006 (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-0006 (HMO-POS) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Transportation services are not covered under this plan.
Emergency Services See details
Emergency services are covered under the AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay of $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC TN-0006 (HMO-POS) covers primary care physician and telehealth services with no copay and no coinsurance. Specialist visits, mental health sessions, and physical therapies require copays ranging from $0 to $40 and no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC TN-0006 (HMO-POS) with no copay and no coinsurance for covered services, including annual physical exams, fitness benefits, and kidney disease education. 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 for chemotherapy hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional 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-0006 (HMO-POS), excluding fitting/evaluation for hearing aids as well as inner ear, outer ear, and over the ear prescription hearing aids. Routine hearing exams are covered with no copay and no coinsurance, while covered prescription hearing aids require a $199.00 to $1,249.00 copay and OTC hearing aids require a $199.00 to $829.00 copay, both with no coinsurance.
Vision Services See details
AARP Medicare Advantage from UHC TN-0006 (HMO-POS) partially covers vision services with no coinsurance, offering one routine eye exam annually with no copay and a $200 eyewear allowance every two years. Covered eyewear like contact lenses and frames have no copay, while eyeglass lenses have a copay of $0 to $153; however, other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC TN-0006 (HMO-POS) offers partially covered dental services, featuring no copay and no coinsurance for preventive care up to a $1,500 annual maximum. Medicare-covered dental services require no copay with a 20% coinsurance, while covered comprehensive dental services have no copay and a 50% coinsurance. Implant services and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC TN-0006 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Part B chemotherapy, radiation, and other drugs carry a coinsurance ranging from no coinsurance to 20%, while Medicare Part B insulin is covered with a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage from UHC TN-0006 (HMO-POS) covers dialysis services 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 TN-0006 (HMO-POS) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC TN-0006 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Lab services and diagnostic radiology are available with no copay and no coinsurance, while diagnostic tests require a $50 copay and no coinsurance. Outpatient x-rays carry a $30 copay and coinsurance, and therapeutic radiology requires a copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC TN-0006 (HMO-POS) with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific treatments such as standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC TN-0006 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20 and a $218 copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services under the AARP Medicare Advantage from UHC TN-0006 (HMO-POS) plan are partially covered, 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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