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 2025, 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 out of 5 stars in 2025.
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.
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage from UHC MI-0001 (PPO).
The cost of a Medicare Advantage Plan is made up of four main parts.
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 does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $495.00 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.
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The AARP Medicare Advantage from UHC MI-0001 (PPO) plan has a $495 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance for your medications depending on the drug tier and the pharmacy you use. For example, you'll pay a $10 copay for preferred generic drugs at a standard pharmacy. For preferred brand drugs, you'll pay a $100 copay. Once your total drug costs reach $2000, you enter the catastrophic coverage phase and pay nothing for your medications.
The AARP Medicare Advantage from UHC MI-0001 (PPO) plan offers comprehensive coverage with a variety of benefits. This plan provides coverage for inpatient and outpatient services, including mental health, with varying copays. Additionally, it includes preventive services like annual exams and hearing and vision services, such as eye exams and eyewear, with no copay. This plan also offers dental coverage, home health services, and medical equipment, with copays and coinsurance applying to certain services. Ambulance, emergency, and skilled nursing facility services are included, with some services requiring a copay. Furthermore, this plan provides coverage for home infusion and dialysis services, with no copay for over-the-counter items and meal benefits.
Inpatient Hospital benefits, including acute and psychiatric care, are covered. For acute care, you will pay a $385 copay for days 1-7, and no copay for days 8-90, with additional days 91-999 covered with no copay; non-Medicare covered stays and upgrades are not covered.
Psychiatric care has a $385 copay for days 1-5, and no copay for days 6-90, while additional days and non-Medicare-covered stays are not covered.
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $385, observation services with a $385 copay per day, and outpatient substance abuse services with a copay between $0 and $5 for individual sessions. This plan also covers Ambulatory Surgical Center (ASC) Services with no copay, and Outpatient Blood Services with no copay.
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC MI-0001 (PPO) plan, with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services are covered by the AARP Medicare Advantage from UHC MI-0001 (PPO) plan. Ground and Air Ambulance Services have a $275 copay, but there is no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by AARP Medicare Advantage from UHC MI-0001 (PPO). Emergency Services has a $125 copay, while Urgently Needed Services has a copay between $0 and $55, and Worldwide Emergency Services has a copay depending on the service.
Primary Care Physician Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Podiatry Services, Other Health Care Professional, Psychiatric Services, Physical Therapy, Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services are covered. Chiropractic Services are covered, but Routine Care is not covered, and a $20 copay applies.
Preventive Services include an annual physical exam with no copay, and additional preventive services, including fitness benefits, and home and bathroom safety devices and modifications, with no copay. Other preventive services such as glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit are covered with no copay. However, health education, in-home safety assessments, personal emergency response systems, and other services are not covered.
Hearing exams are covered with no copay, and routine hearing exams are covered once per year with no copay. Prescription hearing aids are covered with a copay between $199 and $1249, and OTC hearing aids are covered with a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision services include eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear has no copay, and contact lenses, eyeglass lenses, and eyeglass frames are covered, with a combined maximum of $300 every two years, while eyeglass lenses are covered with a copay between $0-$153. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental services include coverage for Medicare dental services with a 20% coinsurance, while other dental services are covered up to a maximum of $1750 per year. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatments, and other preventive dental services have no copay. Restorative services, maxillofacial prosthetics, prosthodontics (removable and fixed), oral and maxillofacial surgery, and endodontics have no copay, with the coinsurance ranging from 0% to 50%. Orthodontic services are not covered. Implant services and orthodontics are not covered.
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay and the coinsurance is between 0% and 20%, while the coinsurance for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs is between 0% and 20%.
Dialysis Services are covered under the AARP Medicare Advantage from UHC MI-0001 (PPO) plan. This benefit has a coinsurance of 20%.
The AARP Medicare Advantage from UHC MI-0001 (PPO) plan covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment. Durable Medical Equipment has a 20% coinsurance, and there is no copay. Prosthetic devices and medical supplies have a 20% coinsurance, and no copay. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services include coverage for all diagnostic services and radiological services. Diagnostic Procedures/Tests have a $50 copay, while Lab Services have no copay. Diagnostic Radiological Services have a copay of at most $225, and Therapeutic Radiological Services have a coinsurance of at least 20%. Outpatient X-Ray Services have a $20 copay.
Home Health Services are covered by the AARP Medicare Advantage from UHC MI-0001 (PPO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services are covered, but the plan does not cover the following services: Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC MI-0001 (PPO) plan. There is no copay for days 1-20, but a $203 copay applies for days 21-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
The "Other Services" benefit for AARP Medicare Advantage from UHC MI-0001 (PPO) includes coverage for Over-the-Counter (OTC) Items and Meal Benefits with no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
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