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AARP Medicare Advantage Giveback from UHC KY-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 KY-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 KY-4 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) is a HMO-POS plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Kentucky. 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 KY-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 KY-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 KY-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 $65.00. 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:
Sign up for AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS)
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Drug Coverage
The AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) plan features an annual prescription drug deductible of $600. For Tier 1 preferred generic drugs, members pay no copay for standard retail pharmacies and mail-order options. Tier 2 generic drugs cost a $14 copay for a one-month standard pharmacy supply, or no copay for a three-month supply through preferred mail order. For brand-name and specialty medications, this plan requires coinsurance instead of a flat copayment during the initial coverage phase. Tier 3 preferred brand drugs carry a 16% coinsurance, while Tier 4 non-preferred drugs require 32% coinsurance. Tier 5 specialty drugs require a 26% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) provides robust coverage with no copay for primary care, telehealth, preventive care, and home health services. Emergency care is available with a $130 copay, while inpatient hospital stays require a $550 copay for the first few days and no copay thereafter. Most outpatient hospital services and specialist visits also feature no coinsurance and low-to-no copayments. Routine dental cleanings, vision exams, and hearing tests are fully covered with no copay, though comprehensive dental is not included. If you require durable medical equipment, dialysis, or diabetic therapeutic shoes, you can expect no copay and a standard 20% coinsurance. Additionally, skilled nursing facility stays are covered with no copay for the first 20 days, helping you manage recovery costs effectively.
Inpatient Hospital See details
Inpatient hospital care under the AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) is covered with no coinsurance, featuring a $550 copay for days 1-5 of acute stays (no copay for days 6 and beyond) and a $550 copay for days 1-4 of psychiatric stays (no copay for days 5-90). Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered under this plan.
Outpatient Services See details
AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) covers outpatient services with no coinsurance, offering no copays for ambulatory surgical center and blood services. Outpatient hospital copays range from $0 to $550, while outpatient substance abuse sessions require a copay of $0 to $25, with prior authorization required for most services.
Partial Hospitalization See details
AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) covers ground and air ambulance services with a $285.00 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 by the AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
Primary care and telehealth services are covered by AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) with no copay and no coinsurance. Other benefits like specialist visits, physical and occupational therapy, mental health, and podiatry are covered with no coinsurance and copays ranging from $0 to $60, while chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) with no copay and no coinsurance for covered services such as annual physical exams, kidney disease education, fitness benefits, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs. Uncovered sub-services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access, home/bathroom safety, and counseling.
Hearing Services See details
AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) offers partially covered hearing services, featuring one annual routine hearing exam with no copay and no coinsurance, though hearing aid fittings and evaluations are not covered. Prescription and over-the-counter hearing aids are covered up to two per year with no coinsurance and copays ranging from $199.00 to $1,249.00, excluding inner ear, outer ear, and over-the-ear prescription models.
Vision Services See details
AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) covers annual routine eye exams with no copay and no coinsurance, though other eye exam services are not covered. Eyewear is covered with no coinsurance and a $150 maximum benefit limit every two years, featuring no copay for contact lenses and frames, and a $0 to $153 copay for eyeglass lenses, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS), offering preventive care like cleanings, exams, and x-rays with no copay and no coinsurance. Medicare-covered dental services require no copay and a 20% coinsurance, but comprehensive services such as restorative, endodontics, periodontics, and prosthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, range from no coinsurance up to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Giveback from UHC KY-4 (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 Giveback from UHC KY-4 (HMO-POS) covers durable medical equipment, 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 most equipment.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) with no coinsurance and a $50 copay for diagnostic tests, while lab services and diagnostic radiology have no copay. Outpatient X-rays require a $30 copay, and therapeutic radiological services carry a minimum coinsurance of 20%.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) does not cover Cardiac Rehabilitation Services, meaning there is no coverage, copay, or coinsurance for cardiac, pulmonary, or SET for PAD rehabilitation.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization and 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 KY-4 (HMO-POS) partially covers other services, offering a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this plan's other services benefit.
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