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AARP Medicare Advantage from UHC FG-0001 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FG-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 FG-0001 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FG-0001 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Minnesota and North Dakota. 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 FG-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 FG-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 FG-0001 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $41.50. 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 $615.00 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 FG-0001 (PPO) plan features an annual prescription drug deductible of $615. You will need to pay this deductible amount out-of-pocket for your covered medications before the plan begins to pay its share. Specific drug coverage tier details, including individual copayments and coinsurance percentages, are currently unavailable for this plan. To fully understand your potential out-of-pocket medication costs, it is recommended to review the plan's formulary directly.
Additional Benefits
The AARP Medicare Advantage from UHC FG-0001 (PPO) offers comprehensive medical coverage featuring no copay and no coinsurance for primary care, telehealth, and preventive visits. For inpatient hospital stays, members pay a $495 daily copay for the first five days of acute stays and no copay for additional days, with no coinsurance required. Emergency room visits carry a $130 copay, while outpatient services range from no copay up to a $495 copay. This plan also includes valuable supplemental benefits, such as routine dental, vision, and hearing exams with no copay or coinsurance. Vision benefits feature a $300 eyewear allowance every two years, and preventive dental services are covered with no copay up to a $1,250 annual limit. Additionally, durable medical equipment and dialysis services require a 20% coinsurance with no copay, and skilled nursing facility care has no copay for the first 20 days.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FG-0001 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $495 daily copay for days 1 through 5 for acute stays and days 1 through 4 for psychiatric stays, followed by no copay for additional Medicare-covered days. Hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FG-0001 (PPO) covers outpatient services with no coinsurance, featuring copays ranging from $0 to $495 for outpatient hospital services and $495 daily for observation services. Ambulatory surgical center services, outpatient substance abuse sessions, and outpatient blood services are covered with no copay and no coinsurance, though prior authorization is required.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FG-0001 (PPO) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FG-0001 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, although prior authorization is required. Transportation services to health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage from UHC FG-0001 (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 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 FG-0001 (PPO) offers primary care, telehealth, mental health, and psychiatric services with no copay and no coinsurance. Specialist visits ($0 to $45 copay), occupational, physical, and speech therapies ($40 copay), and podiatry ($45 copay) also feature no coinsurance, while routine and other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC FG-0001 (PPO) covers preventive services, including annual physicals, kidney disease education, and select screenings, with no copay and no coinsurance. Additional preventive services are partially covered with no copay or coinsurance for fitness benefits and home safety devices, but health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation counseling, disease management, telemonitoring, remote access technologies, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FG-0001 (PPO), featuring no copay or coinsurance for one routine hearing exam annually, though hearing aid fittings and evaluations are not covered. The plan covers up to two prescription or OTC hearing aids per year with no coinsurance and copays ranging from $199 to $1,249, but inner, outer, and over-the-ear prescription models are excluded.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FG-0001 (PPO), featuring no copay and no coinsurance for annual routine eye exams, eyeglass frames, or contact lenses, with a $300 combined eyewear allowance every two years. Other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered, and individual eyeglass lenses may carry a copay of $0.00 to $153.00.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FG-0001 (PPO), excluding implant services and orthodontics. Preventive and diagnostic services are available with no copay and no coinsurance up to a $1,250 annual limit, while Medicare-covered dental services require no copay and a 20% coinsurance, and comprehensive services require no copay and a 50% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FG-0001 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and a coinsurance ranging from no coinsurance to 20%. Covered Part B insulin has a $35 copay and a coinsurance of no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage from UHC FG-0001 (PPO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC FG-0001 (PPO) covers medical equipment with no copay and a 20% coinsurance for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, though they are limited to specified manufacturers, and prior authorization is required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC FG-0001 (PPO) plan, featuring no copay and no coinsurance for lab services, alongside a $50 copay and no coinsurance for diagnostic tests. Diagnostic radiological services have no copay, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage from UHC FG-0001 (PPO) plan covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC FG-0001 (PPO) covers Cardiac Rehabilitation Services 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 peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by AARP Medicare Advantage from UHC FG-0001 (PPO) 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, no prior three-day hospital stay is needed, and additional days beyond the standard Medicare-covered 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC FG-0001 (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 benefit, and the meal benefit requires prior authorization.
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