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AARP Medicare Advantage Giveback from UHC MS-4 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Giveback from UHC MS-4 (PPO). 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 MS-4 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Giveback from UHC MS-4 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Mississippi. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Giveback from UHC MS-4 (PPO) 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 MS-4 (PPO).
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 MS-4 (PPO), 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 $55.00. 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 combined Maximum Out-Of-Pocket cost of $13900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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 MS-4 (PPO) features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs cost a $14 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay through preferred mail order. Higher tier prescription drugs are subject to coinsurance rather than flat copays under this plan. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 27% and 26% coinsurance for a 1-month supply, respectively.
Additional Benefits
The AARP Medicare Advantage Giveback from UHC MS-4 (PPO) offers comprehensive medical coverage featuring no copay and no coinsurance for primary care, telehealth, and preventive visits. Specialist visits and outpatient hospital services range from no copay to $55 and $535 respectively, while inpatient hospital stays require a $535 daily copay for the first few days with no copay thereafter. Emergency care is available with a $115 copay, which is waived upon hospital admission, alongside worldwide emergency coverage with no copay. For supplemental care, members enjoy no copay for annual routine eye and hearing exams, though routine dental services are not covered under this plan. Prescription and over-the-counter hearing aids require copays starting at $199, while medical equipment and dialysis services require a 20% coinsurance with no copay. Skilled nursing facility stays feature no copay for the first 20 days, and home health services are covered with no copay or coinsurance.
Inpatient Hospital See details
Inpatient hospital care is covered by the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) with no coinsurance, requiring a $535 copay per day for days 1-4 of acute stays and days 1-3 of psychiatric stays, with no copay for subsequent days. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) include outpatient hospital care with no coinsurance and copays from $0 to $535, alongside ambulatory surgical center and blood services with no copay and no coinsurance. Outpatient substance abuse services are also covered with no coinsurance, featuring group session copays of $15 and individual session copays ranging from no copay to $25.
Partial Hospitalization See details
AARP Medicare Advantage Giveback from UHC MS-4 (PPO) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Giveback from UHC MS-4 (PPO) covers ground and air ambulance services with a $285 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 under the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay of $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copay and no coinsurance.
Primary Care See details
Primary care and telehealth services are covered under the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) with no copay and no coinsurance. Specialist visits have a $0 to $55 copay, therapy services range from $35 to $55, and mental health sessions cost $0 to $25, all with no coinsurance. Some chiropractic services are covered with a $15 copay, but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) with no copay and no coinsurance for covered care such as annual physicals, fitness benefits, kidney disease education, and glaucoma screenings. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access technologies, home safety modifications, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Giveback from UHC MS-4 (PPO), which provides one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation services are not covered. Up to two prescription hearing aids per year are covered with a copay of $199 to $1,249 and no coinsurance, and up to two OTC hearing aids are covered with a copay of $199 to $829 and no coinsurance, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage Giveback from UHC MS-4 (PPO) partially covers vision services with no coinsurance, offering no copay for annual routine eye exams and contact lenses, and a $0 to $153 copay for eyeglass lenses and frames up to a $150 limit every two years. Other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services under the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) are limited to Medicare-covered dental care, which features no copay and a 20% coinsurance with prior authorization required. Routine and comprehensive dental services, including cleanings, exams, x-rays, and restorative procedures, are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Giveback from UHC MS-4 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Part B insulin drugs require a $35 copay and 0% to 20% coinsurance, while chemotherapy and other Part B drugs require no copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage Giveback from UHC MS-4 (PPO) 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, 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 MS-4 (PPO) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $5 copay for diagnostic procedures and tests, a $25 copay for outpatient X-rays, a minimum of no copay for diagnostic radiology, and a minimum $50 copay for therapeutic radiology.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) plan with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage Giveback from UHC MS-4 (PPO) offers Cardiac Rehabilitation Services with no copay and no coinsurance, meaning some services are covered, although prior authorization is required. However, 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
Skilled Nursing Facility (SNF) care is partially covered by the AARP Medicare Advantage Giveback from UHC MS-4 (PPO) 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 MS-4 (PPO) partially covers other services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered.
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