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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.
This summary reflects 2026 plan information. Where this plan continues in 2027, the full plan details page links to its 2027 benefits and costs.
AARP Medicare Advantage from UHC ME-0002 (PPO) is a PPO plan offered by Sierra Health and Life Insurance Company, Inc. available for the 2026 plan year 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 that applies only to drugs in certain tiers. You pay this amount toward covered prescriptions in those tiers before the plan's cost sharing begins; drugs in the other tiers are not subject to the deductible. See the full plan details page for the tier table.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9250.00 for in-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $9250.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
This plan has a Maximum Out-Of-Pocket cost of $13900.00 (in-network and out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
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 annual drug deductible. For Tier 1 preferred generic drugs, you pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for 3-month mail order options. Tier 2 generic medications cost a $12 copay for a 1-month standard pharmacy supply, but you can get a 3-month supply with no copay when using preferred mail order. For higher-tier medications, your costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 16% coinsurance for both standard pharmacies and mail order services. Tier 4 non-preferred drugs carry a 34% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply across standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC ME-0002 (PPO) plan offers robust coverage for core medical services, featuring no copay and no coinsurance for primary care visits, annual physicals, and home health services. For specialist visits, patients can expect a copay of $0 to $55 with no coinsurance, while inpatient hospital stays require a $550 copay for the first few days before transitioning to no copay. Emergency care carries a $115 copay, which is waived upon admission, and outpatient hospital services range from a $0 to $550 copay, both with no coinsurance. Routine hearing and vision exams are covered with no copay or coinsurance, though dental benefits are limited to Medicare-allowed procedures with a 20% coinsurance. Prescription and over-the-counter hearing aids, as well as corrective eyewear, are partially covered with set copays and no coinsurance. Additionally, durable medical equipment, dialysis, and Part B drugs require up to a 20% coinsurance, while diagnostic lab work and home infusions are available with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers inpatient hospital services with no coinsurance, requiring a $550 copay for days 1 through 4 of acute stays and days 1 through 3 of psychiatric stays, followed by no copay for remaining covered days. This benefit is partially covered, as 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 services with no coinsurance, including ambulatory surgical center and outpatient blood services which both feature no copay. Outpatient hospital services require a copay of $0 to $550, observation services carry a $550 daily copay, and outpatient substance abuse sessions have copays ranging from $0 to $25 with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay of $0 to $40 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Other benefits like occupational therapy ($20 copay), physical therapy ($40 copay), and mental health services ($0 to $25 copay) also feature no coinsurance, though chiropractic services are not covered in practice.
Preventive Services See details
Preventive services are partially covered under AARP Medicare Advantage from UHC ME-0002 (PPO) with no copay and no coinsurance for annual physicals, kidney disease education, and screenings for glaucoma and diabetes. However, additional preventive benefits such as fitness programs, health education, nutritional therapy, counseling, in-home support, caregiver support, and home safety modifications are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC ME-0002 (PPO), featuring one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a $199.00 to $1,249.00 copay and no coinsurance, excluding inner ear, outer ear, and over the ear types, while up to two over-the-counter (OTC) hearing aids are covered with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
Vision Services under AARP Medicare Advantage from UHC ME-0002 (PPO) are partially covered, featuring one routine eye exam annually with no copay and no coinsurance. Eyewear is covered with no coinsurance up to a $200 combined limit every two years, including contact lenses and frames with no copay, and eyeglass lenses with a $0 to $153 copay, while other eye exams, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) offers partial coverage for dental services, covering only Medicare-allowed dental procedures with no copay and a 20% coinsurance, subject to prior authorization. Routine and comprehensive dental services, including exams, cleanings, x-rays, restorative care, and orthodontics, are not covered under this plan.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC ME-0002 (PPO) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin drugs have a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC ME-0002 (PPO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment covered by AARP Medicare Advantage from UHC ME-0002 (PPO) features no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay and no coinsurance, though brand limits and prior authorization requirements apply.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) covers diagnostic and radiological services with prior authorization required. Lab services feature no copay and no coinsurance, diagnostic tests require a $50 copay and no coinsurance, outpatient X-rays have a $30 copay with coinsurance, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC ME-0002 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC ME-0002 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, 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 ME-0002 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. This benefit is partially covered because additional days beyond the standard Medicare-covered limit are not covered, and prior authorization is required.
Other Services See details
AARP Medicare Advantage from UHC ME-0002 (PPO) partially covers other services, offering a chronic illness meal benefit 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.
Plan Providers
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpringSM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
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1-877-649-2073 / TTY 711. Call-center hours (ET): Mon-Fri 8am-10pm; Sat 9am-8pm; Sun closed.
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