Key Takeaways
- H4527-013 is a UnitedHealthcare Medicare Advantage HMO-POS plan with drug coverage, not a Medigap supplement, so you must use its provider network and confirm doctors are in-network before booking.
- Reported 2026 costs include a $0 premium, $0 medical deductible, $3,600 in-network out-of-pocket maximum, and $355 Part D deductible, but you still pay the separate Part B premium.
- Primary care and annual wellness visits are reported at $0 in-network, but a wellness visit is a planning visit, not a comprehensive physical, so confirm coverage for any extra testing.
- Plan availability varies by county and year, so confirm H4527-013 is offered where you live and verify all figures in the official 2026 Evidence of Coverage and Summary of Benefits.
If you hold a Medicare card in Texas, you may have seen the code H4527-013 on plan paperwork or in an online listing. It looks technical, but it matters. This identifier points to a specific UnitedHealthcare Medicare Advantage plan, and it shapes how you get primary care, preventive screenings, and prescriptions in 2026.
Many people sign up for a plan without knowing what the code means or how it affects their doctor visits. That gap can lead to surprise bills and missed screenings. In this guide, we explain H4527-013 in plain language. We cover what it is, what it costs, and how it connects to primary care and wellness. Every figure comes from third-party 2026 listings, so please confirm them in official plan documents before you decide. We also show how a primary care clinic can help you get the most from a plan like this.
1. H4527-013 Is a Plan Identifier, Not a Benefit
H4527-013 is the CMS contract and plan identifier for AARP Medicare Advantage Essentials from UHC TX-14. The first part, H4527, names the insurer's contract with Medicare. The last part, 013, names the specific plan under that contract. In plan materials, you may also see it written as H4527-013-0 or H4527-013-000.
The code alone does not prove you are eligible. It also does not prove the plan is offered in your county. Plan availability and benefits are county- and year-specific. Think of H4527-013 as a label that helps you find the right documents, not as a promise of coverage.
2. It Is a Medicare Advantage Plan, Not a Supplement
This is the most common point of confusion. H4527-013 is a Medicare Advantage plan. It is not a Medicare Supplement (Medigap) plan. The two work in very different ways.
- Medicare Advantage: A private plan that replaces Original Medicare for your day-to-day coverage. It bundles Part A, Part B, and often Part D.
- Medicare Supplement: A plan that sits on top of Original Medicare and helps pay your cost-sharing.
Because H4527-013 is Medicare Advantage, you use the plan's network rules. That affects which primary care doctor you can choose and how much you pay.
3. The Plan Type Is HMO-POS With Drug Coverage
For 2026, listings describe H4527-013 as an HMO-POS Medicare Advantage Prescription Drug plan. That means it combines Medicare Part A, Part B, and Part D coverage in one plan.
HMO-POS plans generally rely on a provider network. A point-of-service option may allow limited out-of-network coverage for certain services, but it is subject to plan rules. Always check whether a doctor or hospital is in the network before you book. This one step can prevent many billing problems.
4. The 2026 Costs: Premium, Deductible, and Out-of-Pocket Limit
Cost is usually the first question people ask. The table below summarizes figures reported in a third-party 2026 listing. Please verify each number against the official 2026 Evidence of Coverage and Summary of Benefits.
|
Cost Item |
Reported 2026 Amount |
|---|---|
|
Monthly plan premium |
$0 (plus your Part B premium) |
|
Medical deductible |
$0 |
|
In-network medical maximum out-of-pocket |
$3,600 |
|
Part D deductible |
$355 |
|
In-network primary care copay |
$0 |
|
In-network specialist copay |
$0 to $20 |
A $0 plan premium does not mean $0 total cost. You still pay the separate Medicare Part B premium. Specialist costs can also vary by service and location, and referral or network rules may apply.
5. Primary Care Visits Are Reported at $0 In-Network
One attractive feature is the reported $0 in-network copay for primary care and annual wellness visits. For many people, this removes a barrier to seeing a doctor regularly. Regular visits are how problems like high blood pressure, diabetes, and early cancers get caught.
If you live in the Tampa Bay area and want a trusted home for ongoing care, learn about primary care at InCare. Whatever clinic you choose, confirm that it is in your plan's network first. A $0 copay only applies when you stay in-network.
6. A Wellness Visit Is Not the Same as a Physical
This is where many patients get surprised. The plan includes Medicare-covered preventive services, such as eligible screenings and the annual wellness visit. These follow Medicare coverage rules and plan terms.
An annual wellness visit is a planning visit. It usually reviews your health history, risk factors, and a personalized prevention plan. A comprehensive physical exam is more hands-on and may include extra testing. Patients should confirm coverage and any cost-sharing for services beyond preventive care.
To see how these visits differ in practice, read what happens during an annual wellness visit. You can also compare it with what happens during an annual physical exam.
7. Dental, Vision, and Hearing Extras Have Limits
Third-party 2026 listings report supplemental dental, vision, and hearing benefits. These extras can be helpful, but they come with specific limits. Provider rules, covered-service definitions, and dollar caps all apply.
Do not treat these extras as unlimited or as a replacement for comprehensive coverage. Before you schedule a major dental or hearing service, ask the plan exactly what is covered and how much it pays. Written confirmation is best.
8. How to Check Whether the Plan Fits You
Plan details change by county and by year. Use this simple checklist before you enroll or keep the plan.
- Confirm your county. Use the Medicare Plan Finder or UnitedHealthcare to see if H4527-013 is offered where you live.
- Read the official documents. Review the 2026 Evidence of Coverage and Summary of Benefits for exact costs.
- Check your doctors. Make sure your primary care provider and key specialists are in the network.
- Review your drugs. Compare your prescriptions against the plan's formulary and the $355 Part D deductible.
- Ask about referrals. Learn when you need a referral to see a specialist.
Enrollment numbers can shift as well. One third-party listing reports about 19,420 beneficiaries nationwide, but you should check current CMS data for the latest count.
9. Why Pair Your Plan With a Strong Primary Care Team
A good plan only helps if you use it well. A primary care clinic acts as your home base. It coordinates screenings, manages chronic conditions, and refers you to specialists when needed. This is often called coordinated care, and it tends to work better than fragmented visits. You can learn more in fragmented care vs. coordinated care.
InCare is a personalized clinic that combines modern technology with medical expertise. Its services include cancer screening, weight loss programs, DNA gene testing, and IV hydration. With locations in Tampa and Riverview, it supports a prevention-first approach to health. If you are comparing options, explore cancer screening and the InCare locations to see what fits your needs. You can also read patient feedback and visit us on Google — InCare to see what our patients say.
For more tips on picking the right clinic, see 7 signs you've found the right primary care practice and how to make preventive care work for your health. Follow InCare for health tips on Facebook, Instagram, and TikTok.
Key Takeaways for H4527-013 in 2026
- H4527-013 identifies a UnitedHealthcare Medicare Advantage HMO-POS plan with drug coverage.
- Reported 2026 figures include a $0 premium, $0 deductible, and $3,600 out-of-pocket maximum.
- Primary care and annual wellness visits are reported at $0 in-network.
- Wellness visits differ from full physicals, so confirm what is covered.
- Always verify details in official CMS or UnitedHealthcare documents.
Take the Next Step
Understanding a code like H4527-013 is the first step. The next step is building a relationship with a primary care team that knows you and your goals. A consistent doctor makes it easier to use your preventive benefits and catch problems early.
Ready to take charge of your health in 2026? Book Now to schedule a visit, or contact our team with questions about care in Tampa and Riverview.
FAQs
Q: What is Medicare plan H4527-013?
A: H4527-013 is the CMS contract and plan identifier for AARP Medicare Advantage Essentials from UHC TX-14, a UnitedHealthcare Medicare Advantage plan in Texas. For 2026, listings describe it as an HMO-POS plan that includes prescription drug coverage.
Q: Is H4527-013 a Medicare Advantage plan or a Medicare Supplement plan?
A: H4527-013 is a Medicare Advantage plan, not a Medicare Supplement (Medigap) plan. It bundles Medicare Part A, Part B, and Part D coverage and uses a provider network, while a Supplement plan works alongside Original Medicare.
Q: What does H4527-013 cost in 2026?
A: A third-party 2026 listing reports a $0 monthly plan premium, a $0 medical deductible, a $3,600 in-network maximum out-of-pocket, and a $355 Part D deductible. You still pay the separate Part B premium, so verify all figures in the official Evidence of Coverage.
Q: Does H4527-013 cover primary care and annual wellness visits?
A: Listings report $0 in-network copays for primary care and annual wellness visits. A wellness visit is not the same as a comprehensive physical exam, so confirm coverage and any cost-sharing for services beyond preventive care.
Q: How can I confirm H4527-013 is available in my county?
A: Plan availability and benefits are county- and year-specific. Use the Medicare Plan Finder or UnitedHealthcare plan documents to confirm that H4527-013 is offered where you live and to review current-year details.
