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AARP Medicare Advantage from UHC MN-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MN-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 MN-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MN-0002 (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-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 MN-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 MN-0002 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $54.00. 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 $520.00 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-0002 (PPO) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, and no copay for 3-month mail-order fills. Tier 2 generic drugs require a $10 copay for a 1-month standard pharmacy supply, though a 3-month preferred mail-order supply is available with no copay. For higher-tier medications, Tier 3 preferred brand drugs incur a 17% coinsurance for both 1-month and 3-month fills. Tier 4 non-preferred drugs require a 39% coinsurance for a 1-month supply at standard pharmacies and mail-order services. Tier 5 specialty drugs carry a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC MN-0002 (PPO) plan offers robust medical coverage with no copay or coinsurance for primary care visits, telehealth, and preventive services. For hospital stays, members pay no coinsurance, but there is a $375 daily copay for the first five days of inpatient care and no copay for days six through 90. Emergency room visits require a $130 copay, which is waived if you are admitted, while outpatient services range from no copay up to a $375 copay with no coinsurance. Routine vision and hearing exams are covered with no copay, alongside allowances for eyewear and prescription hearing aids to help keep your out-of-pocket costs low. Preventive dental services like cleanings and exams also feature no copay or coinsurance, while medical equipment and dialysis services require a 20% coinsurance. Additionally, home health services are fully covered with no copay or coinsurance, ensuring affordable care at home.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MN-0002 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $375 daily copay for days 1-5 and no copay for days 6-90. Acute stays include unlimited additional days at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MN-0002 (PPO) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $375 for outpatient hospital and observation services. Ambulatory surgical center and blood services have no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance and a $0 to $10 copay.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage from UHC MN-0002 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC MN-0002 (PPO). Ground and air ambulance services require a $290 copay and no coinsurance, subject to prior authorization, while plan-approved and other health-related transportation services are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC MN-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
AARP Medicare Advantage from UHC MN-0002 (PPO) covers primary care and telehealth visits with no copay and no coinsurance, though chiropractic services are not covered. Other services like specialist visits, physical therapy, and mental health services require no coinsurance and copays ranging from $0 to $45.
Preventive Services See details
AARP Medicare Advantage from UHC MN-0002 (PPO) preventive services are partially covered with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, and a fitness benefit. However, several additional services are not covered, including health education, in-home safety assessments, medical nutrition therapy, weight management programs, and alternative therapies.
Hearing Services See details
AARP Medicare Advantage from UHC MN-0002 (PPO) partially covers hearing services, offering one annual routine hearing exam with no copay or coinsurance. Up to two prescription hearing aids per year are covered with a $199 to $1,249 copay and no coinsurance, and up to two OTC hearing aids are covered with a $199 to $829 copay and no coinsurance. Hearing aid fittings, evaluations, and specific inner, outer, or over-the-ear prescription models are not covered.
Vision Services See details
Vision Services under the AARP Medicare Advantage from UHC MN-0002 (PPO) are partially covered with no deductibles, featuring routine eye exams with no copay or coinsurance, while other eye exams are not covered. Eyewear is covered with no coinsurance and a $300 maximum limit every two years, offering contact lenses and frames for no copay, and lenses with a $0 to $153 copay, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MN-0002 (PPO) provides partially covered dental services, featuring no copay and no coinsurance for preventive care such as cleanings, exams, and x-rays, and no copay with a 20% coinsurance for Medicare-covered dental services. However, several major services are not covered, including restorative treatments, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC MN-0002 (PPO) covers home infusion bundled services with no copay, although prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs have no copay and coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC MN-0002 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC MN-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, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MN-0002 (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiology, while diagnostic tests require a $5 copay, outpatient X-rays cost $30, and therapeutic radiology services have a minimum copay of $60.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC MN-0002 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC MN-0002 (PPO) does not cover cardiac rehabilitation services, as standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC MN-0002 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. You will pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC MN-0002 (PPO), featuring a meal benefit for chronic illnesses with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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