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AARP Medicare Advantage from UHC UT-0001 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC UT-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 UT-0001 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC UT-0001 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Iron and Washington Counties. 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 UT-0001 (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 UT-0001 (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 UT-0001 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $39.00. 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 $520.00 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 UT-0001 (PPO) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs cost a $10 copay for a 1-month supply at standard pharmacies, but members can benefit from no copay for a 3-month supply when using preferred mail order. Tier 3 preferred brand drugs require a 15% coinsurance for both 1-month and 3-month supplies across standard pharmacies and mail-order options. For higher-tier prescriptions, Tier 4 non-preferred drugs carry a 36% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 27% coinsurance. These cost-sharing structures help you estimate your out-of-pocket expenses for medications under this PPO plan.
Additional Benefits
The AARP Medicare Advantage from UHC UT-0001 (PPO) plan offers comprehensive coverage with no copay or coinsurance for primary care visits, telehealth, and routine preventive services. Specialist visits, diagnostic tests, and urgent care require low copays ranging up to $50, while inpatient hospital stays have a $450 daily copay for the first five days followed by no copay. Emergency room visits carry a $130 copay, and ambulance services require a $290 copay, both with no coinsurance. For additional care, members enjoy no copay for routine dental, vision, and hearing exams, alongside allowance benefits for eyewear and hearing aids. Home health services and home infusion are covered with no copay, whereas durable medical equipment, dialysis, and Part B drugs typically require a 20% coinsurance. Additionally, the plan provides over-the-counter items and chronic illness meals with no copay or coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC UT-0001 (PPO) with no coinsurance and a $450 daily copay for days 1 through 5, followed by no copay for days 6 through 90. Unlimited additional acute care days are covered with no copay, but additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC UT-0001 (PPO) covers outpatient services with no coinsurance, including no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay between $0 and $450, while outpatient substance abuse services have copays ranging from $0 to $25, with prior authorization required for most care.
Partial Hospitalization See details
AARP Medicare Advantage from UHC UT-0001 (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
AARP Medicare Advantage from UHC UT-0001 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, although prior authorization is required. Some transportation services are covered, but transportation to plan-approved health-related locations or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC UT-0001 (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 require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are available with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC UT-0001 (PPO) covers primary care visits, telehealth, and opioid treatment with no copay and no coinsurance. Other services, including specialist visits, mental health, podiatry, and therapy, require copays ranging from $0 to $40 with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC UT-0001 (PPO) with no copay and no coinsurance for annual exams, fitness benefits, and kidney disease education. However, additional preventive services are only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC UT-0001 (PPO) with no deductible, offering annual routine hearing exams with no copay and no coinsurance, though fitting and evaluation services, as well as inner ear, outer ear, and over the ear prescription hearing aids are not covered. Covered prescription hearing aids (copay of $199.00 to $1,249.00) and OTC hearing aids (copay of $199.00 to $829.00) are limited to two per year with no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC UT-0001 (PPO), offering no coinsurance and no copay for annual routine eye exams, while other eye exam services are not covered. Eyewear is also covered with no coinsurance and a $300 limit every two years, featuring no copay for contact lenses or frames and a copay of $0.00 to $153.00 for lenses, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC UT-0001 (PPO), featuring a $1,000 annual limit with no copay and no coinsurance for preventive care, and no copay with 20% coinsurance for Medicare-covered dental. Comprehensive services like endodontics and periodontics require no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC UT-0001 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and other infusion drugs, carry a coinsurance ranging from no coinsurance up to 20%, while covered Part B insulin has a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC UT-0001 (PPO) plan with no copay and 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC UT-0001 (PPO), which offers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes or inserts with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC UT-0001 (PPO) covers diagnostic services with no coinsurance, featuring a $50 copay for diagnostic tests and no copay for lab services. Radiological services require prior authorization and include outpatient X-rays for a $30 copay plus coinsurance, therapeutic radiology with a minimum 20% coinsurance, and diagnostic radiology starting at no copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC UT-0001 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no coinsurance under the AARP Medicare Advantage from UHC UT-0001 (PPO) plan, but in practice, some services are covered while cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC UT-0001 (PPO) with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior three-day hospital stay is not, and additional days beyond the standard 100 days are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC UT-0001 (PPO), which provides over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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