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AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Giveback from UHC NC-14 (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 Giveback from UHC NC-14 (HMO-POS) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC NC-14 (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 2025.
It's important to know that AARP Medicare Advantage Giveback from UHC NC-14 (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 Giveback from UHC NC-14 (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 Giveback from UHC NC-14 (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. Additionally, this plan comes with a Part B Premium reduction of $90.00. You must continue to pay paying your reduced 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 $570.00 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 $8900.00 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 Giveback from UHC NC-14 (HMO-POS) plan has a $570 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy you use. For example, you will pay a $5 copay for a preferred generic drug at a standard pharmacy, and a $100 copay for a preferred brand drug at a preferred or standard pharmacy. You will pay 26% coinsurance for non-preferred drugs.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan offers coverage for a range of services with varying costs. You can expect no copay for primary care visits, routine hearing exams, and vision exams, and many preventive services. The plan also covers inpatient hospital stays, outpatient services, and emergency services, but these services come with copays that range from $0 to $435. This plan includes benefits such as dental, hearing, and vision services, with no copays for some services like routine eye exams and cleanings. Home health services and skilled nursing facilities are also covered, with no copay for the first 20 days of a stay in a skilled nursing facility. The plan also covers ambulance services, partial hospitalization, and offers a meal benefit with no copay.
Inpatient Hospital See details
Inpatient Hospital benefits include coverage for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For Inpatient Hospital-Acute, you'll pay a $435 copay for days 1-4, and no copay for days 5-90, and additional days 91-999 have no copay; Non-Medicare-covered stays and upgrades are not covered. Inpatient Hospital Psychiatric has a $435 copay for days 1-3, and no copay for days 4-90, and additional days are not covered.
Outpatient Services See details
Outpatient services include coverage for outpatient hospital services with a copay between $0 and $435, observation services with a $435 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, and outpatient blood services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan, with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan. Ground and air ambulance services each have a $290 copay, with no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan. Emergency Services have a $110 copay, while Urgently Needed Services have a copay between $0 and $45. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
The AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan covers primary care physician services with no copay. Chiropractic services have a $15 copay, while occupational therapy services have a copay between $0 and $30. Physician specialist services, physical therapy, and speech-language pathology services have a copay between $0 and $50, $0 and $45, respectively.
Preventive Services See details
Preventive services include coverage for Medicare-covered services, annual physical exams with no copay, and additional preventive services with various copays. Additional services like Health Education, In-Home Safety Assessment, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay, and Routine Hearing Exams are covered for one visit per year with no copay, while Fitting/Evaluation for Hearing Aid is not covered. Prescription hearing aids are covered, with a copay between $199 and $1249 for all types and are available for two visits per year. OTC hearing aids are covered with a copay between $99 and $829, and are available every year.
Vision Services See details
Vision Services include routine eye exams with no copay, and eyewear benefits. Eyewear benefits cover contact lenses and eyeglass frames with no copay, and eyeglass lenses with a copay between $0.00 and $153.00. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services are covered, including oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatments, and other preventive services with no copay. Other diagnostic dental services are offered as an optional supplemental benefit. Orthodontic, restorative, and other dental services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, you will pay a $35 copay and between 0-20% coinsurance. For the other drugs, you will pay between 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan, but require prior authorization. The coinsurance for dialysis services is 20%.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance and requires authorization, while DME for use outside the home is not covered. Prosthetic Devices and Medical Supplies have a 20% coinsurance, and 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, with a $25 copay for Diagnostic Procedures/Tests and a $0 copay for Lab Services. Diagnostic Radiological Services have a copay that is at most $205, while Therapeutic Radiological Services have a coinsurance of at least 20%. Outpatient X-Ray Services have a $15 copay.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan 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 the plan does not cover any of the sub-services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan, with prior authorization required. There is no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
Other Services includes a meal benefit with no copay, but acupuncture, over-the-counter items, 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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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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