AARP Medicare Advantage Giveback from UHC TX-34 (PPO)
The AARP Medicare Advantage Giveback from UHC TX-34 (PPO) is a 2027 PPO Medicare Advantage plan from UnitedHealthcare with a $0 monthly premium and a 3-star CMS rating. It may include allowances for vision, hearing, and part b giveback. It's available in 18 counties across 1 state.
Reviewed by the Medicare Advocates team · 2027 plan year · sourced from CMS data
Offered in 18 counties across 1 state
- Monthly premium$0
- Overall star rating3 / 5
- In-network max out-of-pocket$9,850
- Vision$100
- Hearing$700
- Part B giveback$1,056
2027 plan-year figures (premium, star rating, MOOP) from the CMS Landscape file; allowance amounts from CMS PBP data. Amounts vary by plan; not all plans offer all benefits.
About this plan
AARP Medicare Advantage Giveback from UHC TX-34 (PPO), plan H1278-024-000, is a 2027 Medicare Advantage plan from UnitedHealthcare, sold in Texas. It pairs a $0 plan premium with a Part B giveback worth $1,056 a year.
In-network and out-of-network care
This is a PPO, so it pays toward care both inside and outside its network. In-network care costs you less, and an out-of-network provider has to accept Medicare and agree to bill the plan. The plan's Summary of Benefits lists an out-of-network amount for each service next to the in-network one, and that is the column to read before you book a visit outside the network.
Who can enroll
To join, you need Medicare Part A and Part B and you have to live in the plan's service area, which covers 18 counties in Texas for 2027. You keep paying your Part B premium to Medicare.
Counties in the service area include Andrews, Armstrong, Crosby, Deaf Smith, Ector and Floyd.
Premium and giveback
This plan reduces your Part B premium, which people call a giveback. It is worth $1,056 over a year, about $88 a month, and it shows up as a lower Part B deduction rather than a payment to you.
A $0 plan premium is not the same as $0 total cost. You still pay a copay or coinsurance when you get care, up to the plan's yearly out-of-pocket limit.
What the AARP Medicare Advantage Giveback from UHC TX-34 (PPO) plan may include
- Vision: up to $100 per year in plan allowance (2027).
- Hearing: up to $700 per year in plan allowance (2027).
- Part B giveback: up to $1,056 per year in plan allowance (2027).
Costs & coverage detail
Annual Part D drug deductible: $140 (2027).
Doctor visits
- Primary care visit$0
- Specialist visit$0–$60 copay
- Chiropractic (Medicare-covered)$15 copay
- Podiatry (Medicare-covered)$45 copay
Emergency & urgent care
- Emergency room$115 copay
- Urgent care$0–$40 copay
Tests, labs & imaging
- Lab services$0
- Diagnostic tests & procedures$55 copay
- X-rays$30 copay
- Diagnostic radiology (CT/MRI/PET)$0–$320 copay
Outpatient hospital & surgery
- Outpatient hospital services$0–$465 copay
- Ambulatory surgical center$0–$415 copay
- Outpatient substance abuse (individual)$0–$25 copay
Home health & equipment
- Home health care$0
Medical equipment & supplies
- Durable medical equipment (DME)20% coinsurance
- Medical supplies (Medicare-covered)20% coinsurance
- Part B drugs (other)0–20% coinsurance
- Part B chemotherapy drugs0–20% coinsurance
Ambulance
- Ground ambulance$350 copay
Dental
- Preventive dental (exams, cleanings, X-rays)$0
Vision
- Routine eye exam$0
- Eyewear (glasses/contacts)$0
Hearing
- Routine hearing exam$0
- Hearing aids$0
Mental health
- Mental health visit (individual)$0–$25 copay
- Mental health visit (group)$15 copay
- Psychiatric services (individual)$0–$25 copay
- Inpatient psychiatric hospital$465/day, days 1–4; $0/day, days 5–90
Therapy
- Occupational therapy visit$35 copay
Hospital stays
- Inpatient hospital$465/day, days 1–5; $0/day, days 6–90
- Skilled nursing facility (SNF)$0/day, days 1–20; $221/day, days 21–100
In-network, Medicare-covered cost sharing for the 2027 plan year (CMS PBP data). Costs vary by service and setting; see the Summary of Benefits for full detail.
Extra benefit allowances
- Eyewear allowance$200 every 2 years
- Hearing aid allowance$700 per year
What everyday care costs
In network, a primary care visit is $0, a specialist visit is $0 to $60, the emergency room is $115 and urgent care is $0 to $40. Emergency care and urgently needed services are covered whether or not the provider is in the plan's network, which matters when you are away from home.
An individual mental health visit is $0 to $25 and occupational therapy is $35.
Physical therapy and speech therapy are covered too, at cost shares the plan lists in its Summary of Benefits rather than in the CMS benefit files, so check those two there.
Preventive care and vaccines
You pay $0 for the preventive services Original Medicare covers when you use a provider in the plan's network. That includes your annual wellness visit, the recommended screenings for your age, and most vaccines. Preventive care is the easiest value to collect from any Medicare Advantage plan, so book the wellness visit early in the year.
Dental, vision and hearing
Beyond what Original Medicare covers, this plan includes $200 toward glasses or contacts and $700 toward hearing aids. These allowances almost always have to be used with providers and suppliers the plan works with, so check that before you buy, particularly for hearing aids where the plan usually names its own vendor.
The eyewear allowance covers eyeglasses or contact lenses, and it resets each plan year rather than rolling over, so an unused allowance is lost at the end of December.
Prescription drug coverage
Part D prescription drug coverage is included, so you do not need a separate drug plan. Check the plan's formulary, which is its list of covered drugs, for every medicine you take before you enroll.
For 2027, the drug deductible is $140 and your own drug costs are capped at $2,400 for the year.
If a medicine you take is not on the formulary, your prescriber can ask the plan for an exception, and if your income is limited, Extra Help can cut what you pay for drugs regardless of which plan you choose.
How this plan compares in Potter County
Here is how AARP Medicare Advantage Giveback from UHC TX-34 (PPO) sits against other plans sold in Potter County for 2027.
Wellcare Patriot Simple (HMO) has a lower in-network limit at $3,400. Wellcare Patriot Simple (HMO) rates higher at 3.5 stars.
Who this plan may fit
This plan may fit people in the service area who want a $0 plan premium and are comfortable with a $9,850 ceiling on in-network costs. Because it is a PPO, you also keep some coverage outside the network, at a higher cost.
Like any Medicare Advantage plan, it changes how your Medicare claims are paid. If you travel often, or you want to use any doctor who accepts Medicare without checking a network, compare it against Original Medicare with a Medicare Supplement and a separate drug plan before you decide.
Questions to ask before you enroll
A licensed insurance agent can check all of these against your own doctors and prescriptions at no cost.
- Are my doctors in the plan's network, and what would an out-of-network visit cost me?
- Are all of my prescriptions on the plan's drug list, and at which tier?
- Which of the services I use regularly need prior authorization?
- When does the Part B giveback start, and how will I see it?
- What counts toward the $9,850 out-of-pocket limit, and what does not?
Common questions
- What is the AARP Medicare Advantage Giveback from UHC TX-34 (PPO) plan?
- It is a Medicare Advantage plan (CMS plan ID H1278-024-000) offered by UnitedHealthcare for the 2027 plan year. Medicare Advantage plans bundle your Part A and Part B coverage, and most include extra benefits Original Medicare does not.
- What extra benefits could this plan include?
- Depending on the plan, supplemental benefits may include allowances toward vision, hearing, part b giveback. Amounts shown are for the 2027 plan year and vary by plan and area. A licensed agent can confirm what is available to you.
- Where is this plan available?
- For 2027, this plan is offered in 18 counties across 1 state. Availability and benefits depend on your specific ZIP code.
- How do I enroll or compare plans?
- Call to speak with a licensed insurance agent who can review this plan alongside the other options in your area at no cost. There is no obligation to enroll, and enrollment may be limited to certain times of year unless you qualify for a Special Enrollment Period.
Counties served
Texas (18 counties)
Andrews, Armstrong, Crosby, Deaf Smith, Ector, Floyd, Garza, Hale, Howard, Lubbock, Lynn, Midland, Nolan, Potter, Randall, Taylor, Terry, Tom Green
Ready when you are.
No cost. No pressure. There is no obligation to enroll.One licensed insurance agent, for as long as you’re on Medicare.