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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 2025, 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 out of 5 stars in 2025.
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 $69.00. 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 $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) plan has a $495.00 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy used. For example, you will pay a $12 copay for a preferred generic drug at a standard pharmacy, or 27% coinsurance for a non-preferred drug. Once your total drug costs reach $2000.00, you enter the catastrophic coverage phase, where you will pay nothing for your Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC ME-0003 (PPO) plan offers a range of benefits with varying cost-sharing. Inpatient hospital stays have a copay depending on the length of stay, while outpatient services have copays between $0 and $350. The plan covers primary care with no copay, and offers preventive, hearing, vision, and dental services, with some services having no copay. Additional benefits include ambulance services with a $230 copay, emergency services with a $125 copay, and home health services with no copay. The plan also covers skilled nursing facility stays with a $0 copay for the first 20 days, and offers coverage for medical equipment, diagnostic services, and home infusion bundled services with copays or coinsurance.
Inpatient Hospital See details
Inpatient Hospital coverage includes acute and psychiatric care. For acute care, you will pay a $350 copay for days 1-7, and no copay for days 8-90, while additional days 91-999 have no copay; psychiatric care has a $350 copay for days 1-5, and no copay for days 6-90.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $350, observation services with a $350 copay, and ambulatory surgical center services with no copay. Outpatient substance abuse services have a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC ME-0003 (PPO) plan, with a $55 copay. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Both ground and air ambulance services have a $230 copay, and there is no coinsurance. Transportation services to health-related locations are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services have a $125 copay, Urgently Needed Services have a copay between $0 and $55, and Worldwide Emergency Services have a copay for certain services.
Primary Care See details
The AARP Medicare Advantage from UHC ME-0003 (PPO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a copay between $0 and $35, and physician specialist services with a copay between $0 and $35. Mental health specialty services, podiatry services, other health care professional, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services are also covered, with varying copays. Routine chiropractic care is not covered.
Preventive Services See details
Preventive services include coverage for Medicare-covered preventive services, annual physical exams with no copay, and additional preventive services where the copay information can be found in the Fitness Benefit section. Some additional preventive services, such as Health Education, In-Home Safety Assessment, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay, while routine hearing exams are covered annually with no copay, and fitting/evaluation for hearing aids are not covered. Prescription hearing aids are covered with a copay between $199 and $1249, but inner ear, outer ear, and over the ear hearing aids are not covered, and OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
The AARP Medicare Advantage from UHC ME-0003 (PPO) plan covers vision services, including routine eye exams with no copay, and eyewear with no copay for contact lenses and eyeglass frames. Eyeglass lenses have a copay between $0 and $153, and the plan offers a combined maximum of $200 for eyewear every two years. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are covered by the AARP Medicare Advantage from UHC ME-0003 (PPO) plan. Medicare dental services have a 20% coinsurance and require prior authorization, while oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services have no copay.
Home Infusion bundled Services See details
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 0-20% coinsurance. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC ME-0003 (PPO) plan, with a coinsurance of 20%. Prior authorization is required for this service.
Medical Equipment See details
The AARP Medicare Advantage from UHC ME-0003 (PPO) plan covers medical equipment, including Durable Medical Equipment (DME) with 20% coinsurance and Prosthetic Devices with 20% coinsurance. The plan also covers Medical Supplies and Diabetic Equipment, with a 20% coinsurance for Medicare-covered medical supplies and Diabetic Therapeutic Shoes/Inserts, and no copay for Diabetic Supplies.
Diagnostic and Radiological Services See details
The AARP Medicare Advantage from UHC ME-0003 (PPO) plan covers diagnostic and radiological services, including diagnostic procedures and tests with a $25 copay, and lab services with no copay. The plan also covers diagnostic radiological services with a copay up to $205, therapeutic radiological services with a 20% coinsurance, and outpatient X-ray services with a $15 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC ME-0003 (PPO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but none of the sub-services are covered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by AARP Medicare Advantage from UHC ME-0003 (PPO), with a $0 copay for days 1-20 and a $203 copay for days 21-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered. Prior authorization is required for this benefit.
Other Services See details
Other Services includes a meal benefit with no copay, but acupuncture, over-the-counter items, 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.
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