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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 2026, 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 2026.
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 $80.00. 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 $600.00 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 $9250.00 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 $600 drug deductible. Tier 1 preferred generic drugs feature no copay for standard pharmacy options and mail-order services. Tier 2 generic drugs cost a $10 copay for a one-month supply at standard pharmacies, though you can save with no copay on a three-month supply through preferred mail order. For brand-name and specialized medications, Tier 3 preferred brand drugs require an 18% coinsurance. Tier 4 non-preferred drugs carry a 28% coinsurance for a one-month supply, while Tier 5 specialty drugs require a 26% coinsurance. These clear pricing structures make it easy to estimate your out-of-pocket prescription costs under this HMO-POS plan.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) offers affordable access to essential medical services, featuring no copay and no coinsurance for primary care visits, telehealth, and preventive care. If you need specialist care or physical therapy, copays range from $0 to $55 with no coinsurance. For emergency situations, there is a $115 copay that is waived upon hospital admission, while inpatient hospital stays require a $595 daily copay for the first few days before transitioning to no copay. Routine vision, preventive dental, and annual hearing exams are covered with no copay and no coinsurance, helping you manage your everyday wellness. Prescription hearing aids are covered with copays between $199 and $1,249, and eyewear is supported by a $150 limit every two years. For specialized medical needs, home health services require no copay, while durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a $595 daily copay for days 1 through 4 of acute stays and days 1 through 3 of psychiatric stays, with no copay for subsequent covered days. Non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) with no coinsurance across all covered services, including ambulatory surgical and outpatient blood services which also require no copay. Outpatient hospital services have copays ranging from no copay up to $595 (with a $595 daily copay for observation services), while outpatient substance abuse services feature copays ranging from no copay up to $25.
Partial Hospitalization See details
The AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
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, with ground and air ambulance services requiring a $285 copay and no coinsurance. Although some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) covers emergency services with a $115 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from no copay to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits have a $0 to $55 copay and no coinsurance. Other covered services, such as physical, occupational, and mental health therapies, require copays ranging from $0 to $55 with no coinsurance, though chiropractic services are not covered in practice because routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) with no copay and no coinsurance for covered services like annual physical exams, fitness benefits, kidney disease education, and select screenings. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems (PERS), 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, additional smoking cessation, enhanced disease management, telemonitoring, remote access, home modifications, or counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS), offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered with no coinsurance and copays ranging from $199.00 to $1,249.00, but 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 Giveback from UHC NC-14 (HMO-POS), featuring no copay and no coinsurance for annual routine eye exams, contact lenses, and eyeglass frames. Under a $150 combined eyewear limit every two years, eyeglass lenses are covered with a copay of $0 to $153 and no coinsurance, while other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS), with Medicare-covered dental services requiring no copay and a 20% coinsurance. Preventive care like cleanings and exams has no copay and no coinsurance, but comprehensive services such as restorative work, endodontics, periodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) covers home infusion bundled services with no copay, subject to prior authorization. Medicare Part B chemotherapy and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay from specified manufacturers, 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 by AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS), with prior authorization required for both. Outpatient diagnostic tests carry a $50 copay with no coinsurance, lab services and diagnostic radiology have no copay, outpatient X-rays require a $30 copay, and therapeutic radiology incurs a 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Although some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by the AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) 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 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) partially covers other services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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