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AARP Medicare Advantage Patriot No Rx ME-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 ME-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 ME-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of 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 Patriot No Rx ME-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 ME-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 ME-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 $110.00. 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 $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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) plan offers robust coverage for everyday health needs with an emphasis on low out-of-pocket costs. Members benefit from no copay and no coinsurance for primary care visits, preventive services, routine eye exams, and preventive dental care. Specialized care, such as specialist visits, urgent care, and diagnostic lab tests, is also highly accessible with low to no copays and no coinsurance. For more intensive medical needs, the plan covers inpatient hospital stays and skilled nursing facility care with daily copays and no coinsurance. Emergency services require a $130 copay that is waived if admitted, while durable medical equipment and dialysis services generally incur no copay and a 20% coinsurance. Additionally, home health services and cardiac rehabilitation are fully covered with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) partially covers inpatient hospital services with no coinsurance, though prior authorization is required. Acute stays require a $425 daily copay for days 1-7 and no copay for days 8 and beyond, while psychiatric stays incur a $425 daily copay for days 1-5 and no copay for days 6-90, with upgrades, non-Medicare-covered stays, and additional psychiatric days excluded from coverage.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital and observation services require a copay ranging from $0 to $425, while outpatient substance abuse services have copays up to $25 per session, with prior authorization required for most of these benefits.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) partially covers ambulance and transportation services, offering ground and air ambulance services for a $290 copay and no coinsurance. Prior authorization is required for ambulance services, and transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
Emergency services under the AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) plan are covered 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 $0 to $50 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary Care services under the AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) feature no copay and no coinsurance for primary care visits, telehealth, and opioid treatment. Specialist visits require a $0 to $50 copay, physical and occupational therapy require a $50 copay, and podiatry requires a $45 copay, all with no coinsurance. Chiropractic care is partially covered with a $15 copay and no coinsurance, but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and kidney education. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) provides partially covered hearing services, including one routine hearing exam per year with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids (copays of $199.00 to $1,249.00) and two OTC hearing aids (copays of $199.00 to $829.00) are covered annually with no coinsurance, while 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 ME-MA01 (PPO) with no deductible and no coinsurance. Routine eye exams, contact lenses, and frames feature no copay, while eyeglass lenses have a copay of $0.00 to $153.00 up to a combined $200 allowance every two years; however, other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) features partially covered dental services, offering preventive care with no copay and no coinsurance up to a $1,000 yearly limit. Medicare-covered dental services have no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) covers Home Infusion bundled Services with no copay, subject to prior authorization and step therapy. Associated Medicare Part B chemotherapy, radiation, and other drugs require 0% to 20% coinsurance, while covered Part B insulin drugs have a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) plan with no copay and a 20% coinsurance, with prior authorization required.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) covers durable medical equipment, prosthetics, and diabetic therapeutic shoes with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, and prior authorization is required for these medical equipment and supply benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by the AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO), with prior authorization required for all services. Members pay no copay and no coinsurance for lab services and diagnostic radiology, a $45 copay for diagnostic tests, a $30 copay for outpatient X-rays, and a 20% coinsurance for therapeutic radiology.
Home Health Services See details
The AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) plan covers home health services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) with no copay and no coinsurance, though in practice only some services are covered because standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered. Prior authorization is required for eligible services.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, though a prior three-day inpatient hospital stay is not, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by the AARP Medicare Advantage Patriot No Rx ME-MA01 (PPO), which offers over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture is not covered under this plan.
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