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AARP Medicare Advantage from UHC MI-0001 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MI-0001 (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 from UHC MI-0001 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MI-0001 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Michigan. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC MI-0001 (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 from UHC MI-0001 (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 from UHC MI-0001 (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.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan has a $1250.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
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 $6700.00 (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 $6700.00 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 from UHC MI-0001 (PPO) plan features an annual prescription drug deductible of $600. 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 have a $10 copay for a 1-month supply at standard pharmacies, but you can save with no copay for a 3-month supply filled via preferred mail order. Brand-name and specialty medications on this plan are subject to coinsurance rather than flat copayments. Tier 3 preferred brand drugs require a 16% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry coinsurance rates of 41% and 26% respectively for a 1-month supply. These structured tier costs help you easily plan your healthcare budget and manage your out-of-pocket prescription drug costs.
Additional Benefits
The AARP Medicare Advantage from UHC MI-0001 (PPO) plan offers robust core medical coverage with no copay or coinsurance for primary care visits, telehealth services, and preventive care. Specialist visits require a copay of up to $55, while emergency room visits have a $130 copay that is waived upon hospital admission. For hospital stays, members pay a daily copay of $455 for the first several days of inpatient care and no copay for subsequent days, with no coinsurance required. This plan also includes valuable supplemental benefits, featuring no copay for annual routine eye and hearing exams, alongside a $300 eyewear allowance every two years and coverage for hearing aids. Preventive dental care and home health services are available with no copay or coinsurance, though comprehensive dental services are not covered. Other essential services, such as medical equipment and dialysis, are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MI-0001 (PPO) partially covers inpatient hospital services with no coinsurance, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered. Acute stays require a $455 daily copay for days 1-6 and no copay for days 7 and beyond, while psychiatric stays require a $455 daily copay for days 1-5 and no copay for days 6-90.
Outpatient Services See details
AARP Medicare Advantage from UHC MI-0001 (PPO) covers outpatient services with no coinsurance, though prior authorization is required for most services. Members pay no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital copays range from $0 to $455, observation services cost $455 per day, and outpatient substance abuse sessions range from a $0 to $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MI-0001 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage from UHC MI-0001 (PPO) with a $275 copay and no coinsurance for both ground and air transport. Transportation services to plan-approved or any health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC MI-0001 (PPO) 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 $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC MI-0001 (PPO) features primary care and telehealth services with no copay and no coinsurance, and specialist visits with a $0 to $55 copay and no coinsurance. Therapy services require a $25 to $30 copay, podiatry is a $45 copay, and mental health services range from a $0 to $25 copay, all with no coinsurance. Some chiropractic services are covered, but routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC MI-0001 (PPO) offers partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, and select screenings. However, several supplemental services are not covered under this plan, including health education, nutritional training, weight management programs, and in-home safety assessments.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC MI-0001 (PPO), which offers one routine hearing exam annually with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are also partially covered for up to two devices per year with a $199 to $1,249 copay and no coinsurance, excluding inner ear, outer ear, and over the ear models. Additionally, up to two OTC hearing aids per year are covered with a $199 to $829 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MI-0001 (PPO) with no coinsurance, featuring one routine eye exam per year with no copay and a combined $300 eyewear allowance every two years. Under this coverage, contact lenses and eyeglass frames have no copay, and eyeglass lenses have a $0 to $153 copay, while other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC MI-0001 (PPO), offering Medicare-covered dental with no copay and a 20% coinsurance, and preventive care like exams and cleanings with no copay and no coinsurance. Comprehensive services, including restorative, endodontics, periodontics, prosthodontics, oral surgery, implants, and orthodontics, are not covered under this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC MI-0001 (PPO) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Part B chemotherapy, radiation, and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and ranges from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC MI-0001 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC MI-0001 (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, with no copay and 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under AARP Medicare Advantage from UHC MI-0001 (PPO), offering lab services and diagnostic radiological services with no copay or coinsurance. Diagnostic procedures and tests require a $50 copay with no coinsurance, while outpatient X-rays require a $30 copay with coinsurance, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC MI-0001 (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage from UHC MI-0001 (PPO) plan, as all sub-services, including pulmonary and intensive cardiac rehabilitation, are excluded. Because these services are not covered, there is no applicable copay or coinsurance, and members must pay the full cost of care.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC MI-0001 (PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 copayment for days 21 through 100. Prior authorization is required, and while a three-day inpatient hospital stay is not required prior to admission, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC MI-0001 (PPO) partially covers other services, providing a chronic illness meal benefit with no copay and no coinsurance, although prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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