A non-government entity
AARP Medicare Advantage from UHC NC-24 (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC NC-24 (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 from UHC NC-24 (HMO-POS) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC NC-24 (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 from UHC NC-24 (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 from UHC NC-24 (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 from UHC NC-24 (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.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $520.00 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 $5400.00 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 from UHC NC-24 (HMO-POS)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC NC-24 (HMO-POS) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for 1-month and 3-month supplies at standard pharmacies or through mail order. Tier 2 generic drugs carry a $10 copay for a 1-month standard pharmacy supply, but you can save with no copay on a 3-month supply through preferred mail order. For brand-name and specialty medications, costs transition to coinsurance percentages. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs require 38% and 27% coinsurance respectively for a 1-month supply. Understanding these tier-based copays and coinsurance rates helps you accurately project your annual prescription drug expenses under this Medicare Advantage plan.
Additional Benefits
The AARP Medicare Advantage from UHC NC-24 (HMO-POS) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, telehealth, and preventive care. For specialized medical needs, specialist visits range from no copay to a $35 copay, while inpatient hospital stays require a $495 copay for the first few days with no coinsurance. Emergency services are available with a $130 copay, which is waived upon hospital admission, and urgent care visits range from no copay to a $50 copay. Routine hearing, vision, and preventive dental services are also covered with no copay, though prescription hearing aids and comprehensive dental care require additional copays or coinsurance. Additionally, diagnostic lab work and home health services feature no copay, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. This plan ensures affordable, predictable out-of-pocket costs by utilizing flat copayments and eliminating coinsurance for most routine medical care.
Inpatient Hospital See details
Inpatient hospital care under AARP Medicare Advantage from UHC NC-24 (HMO-POS) is partially covered with no coinsurance, requiring a $495 copay for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, with no copay for remaining days. Additional days for acute stays are covered with no copay, but non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC NC-24 (HMO-POS) covers outpatient services with no coinsurance, though prior authorization is required for most procedures. There is no copay for ambulatory surgical center or blood services, while outpatient hospital services require a copay of $0 to $495 (including $495 per day for observation services) and outpatient substance abuse sessions carry a $0 to $25 copay.
Partial Hospitalization See details
The AARP Medicare Advantage from UHC NC-24 (HMO-POS) plan covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC NC-24 (HMO-POS) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC NC-24 (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 require a copay of $0 to $50 with no coinsurance, while 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 from UHC NC-24 (HMO-POS) plan are covered with no copay and no coinsurance for primary care and telehealth visits, while specialist visits feature a $0 to $35 copay and no coinsurance. Physical, occupational, and speech therapies require a $35 copay and no coinsurance, whereas routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC NC-24 (HMO-POS) with no copay and no coinsurance for covered care such as annual physicals, fitness benefits, kidney disease education, and glaucoma screenings. Uncovered 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, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC NC-24 (HMO-POS) provides partially covered hearing services, including one annual routine hearing exam with no copay and no coinsurance. Prescription hearing aids (up to two per year) require a copay of $199.00 to $1,249.00 with no coinsurance, and OTC hearing aids have a copay of $199.00 to $829.00 with no coinsurance. Fitting and evaluation exams, alongside 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 from UHC NC-24 (HMO-POS), offering one annual routine eye exam and eyewear like frames and contact lenses with no copay, no deductible, and no coinsurance. Eyeglass lenses are covered with a copay ranging from $0 to $153 and no coinsurance under a $150 maximum limit every two years, while other eye exams, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC NC-24 (HMO-POS), with implant services and orthodontics excluded from coverage. Preventive care is available with no copay and no coinsurance up to a $1,500 yearly limit, while Medicare-covered dental services require a 20% coinsurance and comprehensive services require a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC NC-24 (HMO-POS) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC NC-24 (HMO-POS) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC NC-24 (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
Diagnostic and Radiological Services are covered under the AARP Medicare Advantage from UHC NC-24 (HMO-POS) plan, though prior authorization is required. Diagnostic tests and procedures require a $50 copay with no coinsurance, lab services and diagnostic radiology have no copay or coinsurance, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC NC-24 (HMO-POS) plan with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC NC-24 (HMO-POS) plan with no coinsurance and require prior authorization, though some services are covered while 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
AARP Medicare Advantage from UHC NC-24 (HMO-POS) covers skilled nursing facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 copay for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC NC-24 (HMO-POS) provides partial coverage for other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved