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AARP Medicare Advantage from UHC ME-0003 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC ME-0003 (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 ME-0003 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ME-0003 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Maine. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC ME-0003 (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 ME-0003 (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 ME-0003 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $84.00. 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 $10100.00 (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 $10100.00 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 ME-0003 (PPO) prescription drug plan has an annual drug deductible of $600. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies or through mail order. Tier 2 generic drugs require a $12 copay for a 1-month supply at standard pharmacies, but you pay no copay for a 3-month supply when using preferred mail order. Brand-name and specialty medications are covered under coinsurance, starting with a 16% coinsurance for Tier 3 preferred brand drugs. Tier 4 non-preferred drugs require a 35% coinsurance, while Tier 5 specialty drugs have a 26% coinsurance for a 1-month supply. These structured costs make it easy to estimate your out-of-pocket expenses for medications under this PPO plan.
Additional Benefits
The AARP Medicare Advantage from UHC ME-0003 (PPO) plan offers robust coverage for essential medical services, featuring no copays and no coinsurance for primary care visits, telehealth, and annual preventive exams. Specialist visits and outpatient services are highly affordable, with specialist copays of up to $35 and outpatient hospital services requiring no coinsurance. For emergency situations, the plan provides worldwide emergency coverage with no copay, while standard emergency room visits carry a $130 copay that is waived upon admission. Members also benefit from valuable supplemental coverage, including an annual routine vision exam and a routine hearing exam with no copay, alongside a $300 eyewear allowance every two years. Preventive dental services are fully covered with no copay or coinsurance, while medical equipment and dialysis require no copay and a 20% coinsurance. Inpatient hospital stays require a $425 daily copay for the first several days before transitioning to no copay, and skilled nursing facility care offers no copay for the first 20 days.
Inpatient Hospital See details
Inpatient hospital care is partially covered by AARP Medicare Advantage from UHC ME-0003 (PPO) with no coinsurance, requiring a $425 daily copay for days 1-7 of acute stays and days 1-5 of psychiatric stays, with no copay for subsequent days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC ME-0003 (PPO) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $425 for hospital services and a $425 daily copay for observation services. Ambulatory surgical center and blood services require no copay or coinsurance, while outpatient substance abuse services have no coinsurance and copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ME-0003 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these benefits.
Ambulance and Transportation Services See details
Ambulance services are covered by AARP Medicare Advantage from UHC ME-0003 (PPO) with a $275 copay and no coinsurance for both ground and air transport, which require prior authorization. Routine transportation services to health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC ME-0003 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services carry 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 ME-0003 (PPO) provides primary care physician visits and telehealth services with no copays and no coinsurance. Specialist visits, therapy, and mental health services require copays ranging from $0 to $35 and no coinsurance, while chiropractic services are only partially covered because routine and other chiropractic care are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC ME-0003 (PPO) covers preventive services, such as annual physical exams, fitness benefits, and kidney disease education, with no copay and no coinsurance. The benefit is partially covered, as sub-services like health education, weight management, in-home safety assessments, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC ME-0003 (PPO), offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (with a $199 to $1,249 copay and no coinsurance) and two OTC hearing aids (with a $199 to $829 copay and no coinsurance) are covered yearly, but inner ear, outer ear, and over the ear prescription aids are not covered.
Vision Services See details
Vision services are partially covered under the AARP Medicare Advantage from UHC ME-0003 (PPO) plan, offering no deductibles and no coinsurance. Covered benefits include one routine eye exam per year with no copay and up to $300 in combined eyewear coverage every two years (with no copay for contacts and frames, and a $0 to $153 copay for lenses), though other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC ME-0003 (PPO) plan, featuring Medicare-covered dental care with no copay and a 20% coinsurance, and preventive services with no copay and no coinsurance. Non-covered services include restorative treatment, endodontics, periodontics, prosthodontics, oral surgery, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC ME-0003 (PPO) with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs require no copay and 0% to 20% coinsurance, while covered Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC ME-0003 (PPO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC ME-0003 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay and a 20% coinsurance, while diabetic therapeutic shoes or inserts are covered with a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC ME-0003 (PPO), offering lab services with no copay and no coinsurance, and diagnostic procedures for a $50 copay and no coinsurance. Diagnostic radiological services have copays starting at $0 with no coinsurance, while outpatient X-rays require a $30 copay and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC ME-0003 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC ME-0003 (PPO) provides cardiac rehabilitation services with no copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by AARP Medicare Advantage from UHC ME-0003 (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC ME-0003 (PPO), which features a meal benefit for chronic illness with no copay and no coinsurance, though prior authorization is required. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered under this plan.
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