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AARP Medicare Advantage from UHC WY-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC WY-0002 (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 WY-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC WY-0002 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Laramie and Natrona Counties. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC WY-0002 (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 WY-0002 (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 WY-0002 (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 $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 WY-0002 (PPO) plan features an annual drug deductible of $600. Tier 1 preferred generic drugs offer the highest savings with no copay for 1-month or 3-month supplies at standard pharmacies and through mail order. Tier 2 generic medications require a $12 copay for a 1-month supply at standard pharmacies, but members can enjoy no copay for a 3-month supply filled through preferred mail order. For higher-tier prescriptions, costs are determined by coinsurance rather than flat copays. Tier 3 preferred brand drugs carry a 16% coinsurance, while Tier 4 non-preferred drugs require a 37% coinsurance for a 1-month supply. Tier 5 specialty drugs have a 26% coinsurance for 1-month fills across standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC WY-0002 (PPO) plan offers comprehensive medical coverage, featuring no copay for primary care, telehealth visits, and routine annual physicals. For inpatient hospital stays, members pay a $685 daily copay for days 1 through 4 and no copay for additional days, with no coinsurance. Emergency care carries a $130 copay that is waived upon admission, while worldwide emergency and urgent care services are fully covered with no copays. Routine vision and hearing exams are available with no copay, and the plan includes a $300 eyewear allowance every two years alongside prescription hearing aid coverage. Medicare-covered dental, dialysis, and durable medical equipment require a 20% coinsurance with no copay. Additionally, skilled nursing facility stays require no copay for the first 20 days, followed by a $218 daily copay up to day 100.
Inpatient Hospital See details
AARP Medicare Advantage from UHC WY-0002 (PPO) covers inpatient acute hospital stays with no coinsurance and a $685 daily copay for days 1 through 4, followed by no copay for unlimited additional days. Inpatient psychiatric hospital stays are also covered with no coinsurance and a $685 daily copay for days 1 through 3, though upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC WY-0002 (PPO) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $685 for outpatient hospital and daily observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions carry a copay of $0 to $25.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC WY-0002 (PPO) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC WY-0002 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
Emergency services under AARP Medicare Advantage from UHC WY-0002 (PPO) are covered with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits are covered by the AARP Medicare Advantage from UHC WY-0002 (PPO) plan, featuring no copay and no coinsurance for primary care and telehealth visits. Specialist visits range from a $0 to $60 copay, therapy services require a $35 copay, and psychiatric services cost up to a $25 copay, all with no coinsurance, though chiropractic services only cover some services with routine and other chiropractic services being excluded.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC WY-0002 (PPO) with no copay and no coinsurance for covered services like annual physical exams, fitness benefits, and kidney disease education. While diabetes self-management and glaucoma screenings are covered at zero cost, other supplemental services such as health education, in-home safety assessments, and weight management programs are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC WY-0002 (PPO), including one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation services are not covered. Prescription hearing aids are covered up to two per year with a $199 to $1,249 copay and no coinsurance, excluding inner ear, outer ear, and over the ear types. Up to two OTC hearing aids are also covered annually with a copay of $199 to $829 and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC WY-0002 (PPO), offering routine eye exams, contact lenses, and eyeglass frames with no copay and no coinsurance, while eyeglass lenses have a copay of $0 to $153. A $300 combined maximum benefit is available every two years for eyewear, but 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 WY-0002 (PPO), which provides Medicare-covered dental care with no copay and a 20% coinsurance, requiring prior authorization. Routine and comprehensive services, including cleanings, exams, x-rays, fluoride, and restorative treatments, are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC WY-0002 (PPO) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs carry no copay and no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC WY-0002 (PPO) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage from UHC WY-0002 (PPO) plan with no copay and a 20% coinsurance for durable medical equipment, prosthetic devices, and medical supplies. Diabetic supplies are offered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC WY-0002 (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Lab services and certain diagnostic radiology services have no copay, while diagnostic tests require a $5 copay, outpatient X-rays require a $30 copay, and therapeutic radiology services require a minimum $60 copay.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC WY-0002 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC WY-0002 (PPO) covers Cardiac Rehabilitation Services with no copay and no coinsurance, although only some services are covered in practice. Specifically, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC WY-0002 (PPO) with no coinsurance and no prior three-day inpatient hospital stay required. There is no copay for days 1 through 20, a $218 copay for days 21 through 100, and prior authorization is required, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC WY-0002 (PPO) partially covers other services, including a meal benefit for chronic illnesses with no copay and no coinsurance, although prior authorization is required. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered.
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