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AARP Medicare Advantage Giveback from UHC TC-4 (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 TC-4 (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 TC-4 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC TC-4 (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 Giveback from UHC TC-4 (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 TC-4 (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 TC-4 (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 $106.00. 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 $6700.00 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 TC-4 (HMO-POS) plan features an annual drug deductible of $600. For initial coverage, Tier 1 preferred generics are highly affordable with no copay for one-month or three-month supplies at standard pharmacies and mail order. Tier 2 generic drugs carry a $14 copay for a one-month standard pharmacy supply, but you can save by opting for a three-month preferred mail order supply which has no copay. Higher-tier medications under this plan transition to coinsurance costs. Tier 3 preferred brands require 16% coinsurance, while Tier 4 non-preferred drugs require 28% coinsurance. Tier 5 specialty tier drugs have a 26% coinsurance for a one-month supply through both standard pharmacies and mail order services.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) offers comprehensive medical coverage featuring no copay for primary care visits, telehealth services, and annual physical exams. For specialized care, specialist visits range from no copay to a $50 copay, while emergency room visits require a $130 copay that is waived if you are admitted. Hospital stays and advanced outpatient procedures are covered with no coinsurance, though they carry daily copays, such as $445 per day for the first six days of an acute inpatient stay. This plan also includes key supplemental benefits, including home health services with no copay and preventive dental care with no copay up to a $1,000 annual limit. Vision and hearing routine exams are covered with no copay, although prescription hearing aids and eyewear require copays alongside certain coverage limits. Durable medical equipment and dialysis services are also covered, typically requiring a 20% coinsurance and no copay.
Inpatient Hospital See details
Inpatient Hospital benefits under the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) are partially covered with no coinsurance and require prior authorization. For acute stays, you pay a $445 copay per day for days 1 to 6 and no copay for days 7 and beyond, while psychiatric stays require a $445 copay per day for days 1 to 5 and no copay for days 6 to 90. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) covers outpatient services with no coinsurance, although prior authorization is required for most treatments. Beneficiaries pay no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital visit copays range from $0 to $445, daily observation services cost $445, and outpatient substance abuse sessions range from $0 to $25.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) covers ground and air ambulance services with a $270 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
The AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) covers primary care, telehealth, and opioid treatment with no copay and no coinsurance. Specialist visits, physical and occupational therapy, podiatry, and mental health services are covered with no coinsurance and copays ranging from $0 to $50, while chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) with no copay and no coinsurance for covered services like annual physical exams, fitness benefits, kidney disease education, and select screenings. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management programs, and therapeutic massage.
Hearing Services See details
Hearing Services are partially covered by the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) plan. Routine hearing exams are covered with no copay and no coinsurance, but fitting and evaluation services, along with inner ear, outer ear, and over the ear prescription hearing aids, are not covered. Covered prescription hearing aids require a $199.00 to $1,249.00 copay and no coinsurance, while OTC hearing aids require a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) partially covers vision services with no deductible, featuring routine eye exams, contact lenses, eyeglass lenses, and frames with no coinsurance and copays ranging from $0 to $153. A combined $200 eyewear limit applies every two years, but other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS), with implant services and orthodontics excluded from coverage. Preventive services are offered with no copay and no coinsurance up to a $1,000 annual maximum, while Medicare-covered services require no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) with no copay and no coinsurance, subject to prior authorization and step therapy. Under this benefit, Part B chemotherapy, radiation, and other drugs require 0% to 20% coinsurance with no copay, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) covers durable medical equipment, prosthetics, 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 Giveback from UHC TC-4 (HMO-POS) covers diagnostic services with no coinsurance, offering no copay for lab services and a $45 copay for diagnostic procedures. Radiological services are also covered with no copay for diagnostic radiology, a $30 copay for X-rays, and a 20% coinsurance for therapeutic radiology, with prior authorization required for both benefits.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered with no copay and no coinsurance under the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS), and prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, though prior authorization is required. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS), which offers a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. However, acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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