AARP Medicare Advantage Direct OTC from UHC MS-8 (HMO-POS) (2027)

Medicare Advantage plan with drug coverage from UnitedHealthcare, plan ID H5253-222-000. Sold in 79 counties in Mississippi.

★★★★★4.0

2027 costs

Monthly premium$0

Drug deductible$440

Medical deductible$0

Out-of-pocket maximum (in network)$5,900

Plan typeMedicare Advantage plan with drug coverage, HMO-POS

Referral needed to see a specialistYes

Plan IDH5253-222-000

With a Medicare Advantage plan you also keep paying your Medicare Part B premium.

What this plan would cost for your prescriptions

Add your prescriptions to see this plan's estimated yearly cost for them, which of them are on its drug list, and how each compares with Cost Plus Drugs prices.

See this plan with my prescriptions

What you pay for medical care

Primary care visit$0

Specialist visit$0–$40

Preventive care$0

Urgent care$0–$50

Emergency room$130

Hospital stay$395/day

Outpatient surgery$0–$395

Lab tests$50

X-rays and scans$0

Mental health visit$0–$25

Physical therapy$40

Medical equipment20%

TelehealthNot covered

In-network amounts. A range means it depends on the service or provider.

Extra benefits

DentalNot covered

VisionCovered — up to $200 every 2 yrs allowance

HearingCovered — up to $1000/yr allowance

Over-the-counter itemsCovered

FitnessCovered

Rides to appointmentsNot covered

Drug costs by tier

Tier	30 days, standard pharmacy	30 days, preferred pharmacy	90 days by mail
1 Preferred Generic	$0	$0	$0
2 Generic	$0	$0	$0
3 Preferred Brand	22%	22%	22%
4 Non-Preferred Drug	31%	31%	N/A
5 Specialty Tier	28%	28%	N/A

A percentage is coinsurance: your share of the drug's price. The drug deductible may apply first, depending on the tier. Your Part D out-of-pocket costs are capped at $2,400 for 2027.

Where it's sold

Mississippi (79 counties)

Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.