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AARP Medicare Advantage from UHC MN-0001 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MN-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 MN-0001 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MN-0001 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Twin Cities Metro Area. 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 MN-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 MN-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 MN-0001 (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 MN-0001 (PPO) prescription drug plan features an annual drug deductible of $600. Under this plan, Tier 1 preferred generic drugs are highly affordable, requiring no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs have a $12 copay for a 1-month supply at standard pharmacies, but you can save by choosing a 3-month supply through preferred mail order for no copay. For higher-tier medications, cost sharing transitions to coinsurance. Tier 3 preferred brand drugs require a 15% coinsurance at standard pharmacies and through mail order. Tier 4 non-preferred drugs carry a 38% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC MN-0001 (PPO) plan offers comprehensive coverage for everyday health needs, featuring no copays and no coinsurance for primary care visits, telehealth, and routine preventive services. For specialized care, specialist visits range from no copay to a $55 copay, while emergency room visits require a $130 copay that is waived if you are admitted to the hospital. If you require hospital care, inpatient stays carry a $455 daily copay for the first several days with no copay thereafter, and outpatient services feature no coinsurance with copays ranging from no copay to $455. This PPO plan also partially covers essential routine care, including annual eye and hearing exams with no copay, alongside allowances for eyewear and hearing aids that feature no coinsurance. Preventive dental cleanings and exams are available with no copay, while Medicare-covered dental services, dialysis, and durable medical equipment require a 20% coinsurance and no copay. Additionally, members can access home health services and over-the-counter items with no copays or coinsurance, helping to keep out-of-pocket healthcare costs predictable.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MN-0001 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $455 copay for days 1 to 6 of acute stays and days 1 to 5 of psychiatric stays, followed by no copay for remaining covered days. Hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MN-0001 (PPO) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services. Outpatient hospital and observation services have copays ranging from $0 to $455, while outpatient substance abuse sessions carry a $0 to $15 copay, with prior authorization required for most of these services.
Partial Hospitalization See details
AARP Medicare Advantage from UHC MN-0001 (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
Ambulance and transportation services are covered under the AARP Medicare Advantage from UHC MN-0001 (PPO) plan, with ground and air ambulance services requiring a $290 copay and no coinsurance. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC MN-0001 (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services have a copay ranging from $0 to $50 with no coinsurance, and worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC MN-0001 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $55 copay with no coinsurance. Physical, occupational, and speech therapies require a $50 to $55 copay with no coinsurance, mental health sessions cost a $0 to $15 copay with no coinsurance, and chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage from UHC MN-0001 (PPO) plan with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and kidney disease education. However, several additional services are not covered, including health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC MN-0001 (PPO), featuring one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Covered prescription hearing aids (up to two per year) require a $199 to $1,249 copay and no coinsurance, though inner, outer, and over-the-ear models are not covered. OTC hearing aids are also covered for a $199 to $829 copay and no coinsurance, with a limit of two per year.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MN-0001 (PPO), offering routine eye exams and eyewear with no deductibles and no coinsurance. Covered benefits include one routine eye exam per year with no copay, and a $250 combined maximum eyewear benefit every two years with no copay for contact lenses and frames, and a $0 to $153 copay for eyeglass lenses; however, other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MN-0001 (PPO) offers partially covered dental services, featuring preventive care like exams, cleanings, and fluoride treatments with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, but restorative, endodontic, periodontic, prosthodontic, implant, and orthodontic services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC MN-0001 (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Under this plan, Medicare Part B chemotherapy and other drugs have no copay and range from no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC MN-0001 (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage from UHC MN-0001 (PPO) plan, with durable medical equipment, prosthetics, and medical supplies requiring no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance and no copay.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MN-0001 (PPO) covers diagnostic and radiological services, with prior authorization required. Members pay no copay or coinsurance for lab and diagnostic radiological services, a $60 copay (and no coinsurance) for diagnostic procedures, a $30 copay for outpatient X-rays, and 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC MN-0001 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no coinsurance under the AARP Medicare Advantage from UHC MN-0001 (PPO) plan, but in practice only some services are covered as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MN-0001 (PPO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring prior authorization and allowing admission with less than a three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC MN-0001 (PPO) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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