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AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx TC-MA01 (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 Patriot No Rx TC-MA01 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Tennessee, Select Counties in Virginia. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx TC-MA01 (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 Patriot No Rx TC-MA01 (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 $140.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3900.00 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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) plan offers robust medical coverage with no copay for primary care visits, annual physical exams, and routine eye services. For inpatient hospital stays, members pay a daily copay of $345 for days 1 through 7 and no copay for days 8 through 90, with no coinsurance required. Emergency care is covered with a $150 copay, which is waived upon hospital admission, while outpatient hospital services range from no copay to a $345 copay. Additional benefits include a generous dental package with a $4,000 annual maximum, featuring no copay for preventive care and a 50% coinsurance for comprehensive services. The plan also provides a $300 eyewear allowance every two years, up to 24 one-way transportation trips per year to plan-approved locations at no cost, and routine hearing exams with no copay. Hearing aids are also covered, with copays starting at $199.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) partially covers inpatient hospital services with no coinsurance, requiring a daily copay of $345 for days 1 through 7 and no copay for days 8 through 90. Prior authorization is required, and while unlimited additional acute care days are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) covers outpatient services with no coinsurance, though prior authorization is required. There is no copay for ambulatory surgical center and blood services, while outpatient hospital services range from no copay to a $345 copay, and outpatient substance abuse services carry copays between $0 and $25.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved health-related locations with no copay and no coinsurance, while transport to any health-related location is not covered.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $0 to $65 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) include primary care and telehealth visits with no copay and no coinsurance, alongside specialist visits with a $0 to $35 copay and no coinsurance. Physical, occupational, speech, and podiatry therapies require a $35 copay with no coinsurance, mental health sessions range from a $0 to $25 copay with no coinsurance, and while some chiropractic services are covered, routine and other chiropractic services are not.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) provides partially covered preventive services with no copay and no coinsurance for covered benefits, including annual physical exams, kidney disease education, fitness benefits, and home safety modifications. However, several additional services are not covered, such as health education, personal emergency response systems, in-home support, weight management, and nutritional therapy.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) partially covers hearing services, including one routine hearing exam per year with no copay and no coinsurance, while fitting and evaluation exams are not covered. The plan also covers up to two prescription hearing aids (with copays ranging from $199 to $1,249) and up to two OTC hearing aids (with copays ranging from $199 to $829) annually with no coinsurance, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) partially covers vision services with no deductibles, no coinsurance, and no copays for annual routine eye exams, contact lenses, and frames. The plan features a $300 combined eyewear allowance every two years, though eyeglass lenses carry a copay ranging from $0 to $153, and other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) plan up to a $4,000 annual maximum, though implant services and orthodontics are not covered. Preventive dental care has no copay and no coinsurance, while Medicare-covered services require no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) with no copay, requiring prior authorization. Medicare Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance, while Medicare Part B insulin drugs have a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) covers durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) covers diagnostic and radiological services with prior authorization required. Lab services feature no copay and no coinsurance, diagnostic tests require a $50 copay and no coinsurance, diagnostic radiological services have copays starting at $0 with no coinsurance, outpatient X-rays require a $30 copay and coinsurance, and therapeutic radiological services require a minimum 20% coinsurance and a copay.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) features no copay and no coinsurance for Cardiac Rehabilitation Services, but the benefit is not covered in practice as cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with no coverage provided for additional days.
Other Services See details
AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit, and prior authorization is required for the meal benefit.
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