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AARP Medicare Advantage from UHC ME-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC ME-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 ME-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ME-0002 (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 from UHC ME-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 ME-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 ME-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 ME-0002 (PPO) plan features a $600 drug deductible. For Tier 1 preferred generic drugs, members pay no copay for 1-month or 3-month supplies at standard pharmacies, or for 3-month mail-order supplies. Tier 2 generic medications carry a $12 copay for a 1-month standard pharmacy supply, though a 3-month supply has no copay when filled through preferred mail order. For brand-name and specialty medications, costs are based on coinsurance. Tier 3 preferred brand drugs require a 16% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs have a 34% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 26% coinsurance at standard pharmacies and mail order.
Additional Benefits
The AARP Medicare Advantage from UHC ME-0002 (PPO) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care, telehealth, and preventive visits. For more intensive care, inpatient hospital stays require a $550 daily copay for the first few days followed by no copay, while outpatient services range from no copay up to $550 with no coinsurance. Emergency care is accessible with a $130 copay, which is waived upon hospital admission, and urgent care copays range from no copay up to $50. Routine vision and hearing exams are covered with no copay, and the plan provides coverage for eyewear and hearing aids to help manage your out-of-pocket costs. However, dental coverage is limited to Medicare-covered dental services subject to a 20% coinsurance, as routine dental care is not covered by this plan. Additionally, durable medical equipment and dialysis services require a 20% coinsurance with no copay, while home health services are fully covered with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC ME-0002 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $550 daily copay for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, followed by no copay for remaining covered days. Upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers outpatient hospital services with no coinsurance and copays ranging from no copay to $550, alongside a $550 daily copay for observation services. Ambulatory surgical center and blood services have no copay and no coinsurance, while outpatient substance abuse services feature no coinsurance and copays ranging from no copay up to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Some transportation services are covered, but transport to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC ME-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 feature a copay ranging from $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
Primary care benefits under the AARP Medicare Advantage from UHC ME-0002 (PPO) feature no copay and no coinsurance for primary care and telehealth visits. Specialist visits require a $0 to $45 copay and therapy services require a $30 copay with no coinsurance, though chiropractic services are not covered in practice since routine and other chiropractic services are excluded.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC ME-0002 (PPO) with no copay and no coinsurance for covered services, which include annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management, and a fitness benefit. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems (PERS), medical nutrition therapy, medication reconciliation, re-admission prevention, wigs for hair loss, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) provides partially covered hearing exams, which include one annual routine exam with no copay and no coinsurance, though fitting and evaluation services are not covered. Prescription hearing aids are also partially covered with a $199 to $1,249 copay and no coinsurance for up to two aids per year, excluding inner ear, outer ear, and over-the-ear types. Up to two OTC hearing aids are covered per year with a copay of $199 to $829 and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC ME-0002 (PPO), offering one routine eye exam per year with no copay or coinsurance. Eyewear benefits feature no coinsurance and a $300 combined maximum every two years, with no copay for contact lenses or frames, and a $0 to $153 copay for lenses, though other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services under the AARP Medicare Advantage from UHC ME-0002 (PPO) are partially covered, offering only Medicare-covered dental care with no copay and a 20% coinsurance, which requires prior authorization. Routine and comprehensive dental services, including oral exams, cleanings, X-rays, fluoride, restorative work, endodontics, periodontics, prosthodontics, implants, and orthodontics, are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC ME-0002 (PPO) with no copay, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC ME-0002 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC ME-0002 (PPO), offering durable medical equipment (DME), 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; prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers diagnostic and radiological services, with prior authorization required. Diagnostic tests require a $50 copay with no coinsurance, lab services and diagnostic radiology feature no copay, outpatient X-rays have a $30 copay, and therapeutic radiology carries a minimum 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers home health services with no copay and no coinsurance. Prior authorization is required to receive this benefit.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers some cardiac rehabilitation services with no copay and no coinsurance, although prior authorization is required. However, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered under this plan.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring 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 inpatient hospital stay is not necessary, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC ME-0002 (PPO), featuring a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered under this plan.
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