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AARP Medicare Advantage from UHC UT-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC UT-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 UT-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC UT-0002 (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-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 UT-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 UT-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 $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-0002 (PPO) prescription drug plan features an annual drug deductible of $600. Tier 1 preferred generic drugs are highly affordable, offering no copay for standard pharmacy fills or 3-month mail orders. For Tier 2 generic medications, standard pharmacy fills cost $14 for a 1-month supply, though you can get a 3-month supply with no copay when using preferred mail order. Higher-tier medications are subject to coinsurance, starting with an 18% coinsurance for Tier 3 preferred brand drugs. Tier 4 non-preferred drugs require a 30% coinsurance for a 1-month supply across standard pharmacies and mail order options. Specialty medications in Tier 5 carry a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC UT-0002 (PPO) plan features no copay and no coinsurance for primary care visits, annual physicals, and diagnostic lab services. For specialist visits, patients will pay a copay of up to $45 with no coinsurance, while inpatient hospital stays require a $525 copay for the first five days of acute stays. Emergency room visits carry a $130 copay, which is waived if admitted, and urgent care visits range from no copay up to a $50 copay. Routine vision exams, preventive dental cleanings, and home health services are covered with no copay and no coinsurance, although comprehensive dental services like implants are not covered. Prescription hearing aids and corrective lenses require varying copayments, while durable medical equipment and dialysis services require a twenty percent coinsurance with no copay. Additionally, skilled nursing facility stays have no copay for the first twenty days, and select over-the-counter items are available with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers inpatient hospital services with no coinsurance, requiring a $525 copayment for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, with no copayment for subsequent days. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers outpatient services with no coinsurance, featuring no copay and no coinsurance for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a $0 to $525 copay and no coinsurance, observation services carry a $525 daily copay and no coinsurance, and outpatient substance abuse sessions have copays ranging from $0 to $25 with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers Medicare-approved ground and air ambulance services with a $290 copay and no coinsurance, requiring prior authorization. For transportation services, some services are covered, but trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC UT-0002 (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 covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers primary care provider visits and telehealth services with no copay and no coinsurance. Specialist visits, mental health services, and physical therapy require copays up to $45 with no coinsurance, while chiropractic services are only partially covered because routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers preventive services, including annual physicals, kidney education, and select screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered with no copay and no coinsurance for fitness programs and home safety devices; however, services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC UT-0002 (PPO) partially covers hearing services with no deductible and no coinsurance, providing one routine hearing exam annually with no copay. Up to two prescription hearing aids (copays from $199 to $1,249) and two OTC hearing aids (copays from $199 to $829) are covered per year with no coinsurance, though hearing aid fittings, evaluations, and inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers one routine eye exam annually with no copay or coinsurance, while other eye exams are not covered. Eyewear is partially covered with no coinsurance and a $250 combined limit every two years, featuring no copay for contact lenses and frames, and a $0 to $153 copay for lenses, while upgrades and combined eyeglasses are not covered.
Dental Services See details
Dental services are partially covered under the AARP Medicare Advantage from UHC UT-0002 (PPO) plan, with preventive care like cleanings, exams, and fluoride requiring no copay and no coinsurance, while Medicare-covered dental services have a 20% coinsurance and no copay. However, several services are not covered, including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC UT-0002 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs have no copay and require 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 under the AARP Medicare Advantage from UHC UT-0002 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC UT-0002 (PPO) with no copay or coinsurance for lab services and diagnostic radiology. Diagnostic procedures require a $50 copay with no coinsurance, outpatient X-rays have a $30 copay, and therapeutic radiology incurs a 20% coinsurance, with prior authorization required.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC UT-0002 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC UT-0002 (PPO) offers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC UT-0002 (PPO) covers Skilled Nursing Facility (SNF) services 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, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC UT-0002 (PPO) partially covers other services, offering over-the-counter (OTC) items and a chronic illness meal benefit with no copay and no coinsurance. Acupuncture is not covered under this plan, and the meal benefit requires prior authorization.
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