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AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx MI-MA01 (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 Patriot No Rx MI-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx MI-MA01 (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 Patriot No Rx MI-MA01 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx MI-MA01 (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 Patriot No Rx MI-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $100.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) plan offers robust coverage with no copay and no coinsurance for primary care visits, telehealth, and preventive care. For hospital stays, members pay no coinsurance, though inpatient acute care requires a daily copay of $455 for the first six days before transitioning to no copay. Outpatient services and specialist visits are also highly affordable, featuring no coinsurance and low-to-no copays for most routine care. This plan also includes valuable dental, vision, and hearing benefits, featuring no copays for preventive dental care, routine eye exams, and routine hearing tests. Vision coverage includes no copay for frames and contacts up to a $150 limit every two years, while dental services feature a generous $2,500 annual maximum benefit. Additionally, members pay no copay and no coinsurance for home health services, cardiac rehabilitation, and diagnostic lab tests.
Inpatient Hospital See details
Inpatient Hospital benefits under the AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) are partially covered with no coinsurance, requiring a daily copay of $455 for days 1 to 6 for acute stays and days 1 to 5 for psychiatric stays, followed by no copay. Additional acute stay days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) with no coinsurance, including no copay for ambulatory surgical center and blood services. Patients will pay copays ranging from $0 to $455 for outpatient hospital and observation services, and $0 to $25 for outpatient substance abuse sessions.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO), which features a $275 copay and no coinsurance for both ground and air ambulance services. Prior authorization is required for ambulance services, and routine transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) covers primary care visits and telehealth services with no copay and no coinsurance. Specialist visits, mental health services, and physical therapy are also covered with no coinsurance and copays ranging from no copay up to $55, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by the AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) with no copay and no coinsurance, including annual physical exams, kidney disease education, and glaucoma screenings. Additional preventive services are partially covered, offering fitness benefits and home safety devices with no copay, while services like health education, in-home safety assessments, and personal emergency response systems (PERS) are not covered.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) offers partially covered hearing services with no coinsurance. Routine hearing exams have no copay, while OTC hearing aids require a $199.00 to $829.00 copay and prescription hearing aids require a $199.00 to $1249.00 copay. Hearing aid fitting and evaluations, along with inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO), excluding other eye exams, upgrades, and combined eyeglasses (lenses and frames). Covered services feature no coinsurance and no copay for annual routine exams, contact lenses, and frames, though eyeglass lenses have a $0 to $153 copay and a combined eyewear limit of $150 applies every two years.
Dental Services See details
Dental services are partially covered under the AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) with an annual maximum benefit of $2,500, offering preventive and diagnostic care with no copay and no coinsurance. Medicare-covered dental services require no copay and 20% coinsurance, while covered comprehensive services have no copay and 50% coinsurance; however, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) covers Home Infusion bundled Services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other infusion drugs require between no coinsurance and 20% coinsurance, while Part B insulin drugs have a $35 copay and range from no coinsurance up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) covers durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for most items.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) covers diagnostic procedures with a $50 copay and no coinsurance, and lab services with no copay and no coinsurance. Diagnostic radiological services are offered with no copay, outpatient X-rays require a $30 copay, and therapeutic radiological services have a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (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 covered by AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day hospital stay requirement, though prior authorization is required. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx MI-MA01 (PPO) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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