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AARP Medicare Advantage from UHC FG-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FG-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 FG-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FG-0002 (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-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 FG-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 FG-0002 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $38.00. 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 FG-0002 (PPO) prescription drug plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, beneficiaries pay no copay for 1-month and 3-month fills at standard pharmacies, as well as no copay for a 3-month supply through mail order. Tier 2 generic drugs cost a $14 copay for a 1-month supply at standard pharmacies, but members can save by utilizing preferred mail order, which offers a 3-month supply with no copay. For brand-name and higher-tier medications, costs are structured around coinsurance rather than flat copayments. Tier 3 preferred brand drugs require a 15% coinsurance for both standard pharmacy and mail order fills. Tier 4 non-preferred drugs carry a 34% coinsurance, while Tier 5 specialty tier drugs require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC FG-0002 (PPO) plan provides affordable access to core medical care, featuring no copay or coinsurance for primary care provider visits, telehealth, and routine preventive services. For inpatient hospital stays, members pay a $525 daily copay for the first five days of acute stays and no copay for subsequent days. Emergency room visits require a $130 copay, which is waived if you are admitted, while outpatient surgical center services are available with no copay. Specialty care under this plan includes no copay for routine eye exams and preventive dental services, though comprehensive dental care is not covered. Routine hearing exams also have no copay, while covered hearing aids require copays ranging from $199 to $1,249. Other essential benefits, such as home health services, are covered with no copay, while durable medical equipment and dialysis require a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC FG-0002 (PPO) with no coinsurance, requiring a $525 daily copay for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, with no copay thereafter. While unlimited additional acute days are covered at no copay, additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC FG-0002 (PPO) with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital services require a copay ranging from $0 to $525 (including a $525 daily copay for observation services), while outpatient substance abuse sessions carry a copay of $0 to $15.
Partial Hospitalization See details
The AARP Medicare Advantage from UHC FG-0002 (PPO) plan covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FG-0002 (PPO) covers Medicare-approved 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 under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC FG-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 require a copay of $0 to $50 with no coinsurance, and 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 FG-0002 (PPO) are covered with no copay and no coinsurance for primary care provider and telehealth visits. Specialist visits require a $0 to $50 copay and therapy services require a $50 copay, both with no coinsurance. Chiropractic services are partially covered, with routine and other chiropractic services not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC FG-0002 (PPO), offering covered annual physicals, kidney disease education, glaucoma screenings, diabetes training, digital rectal exams, and post-welcome visit EKGs with no copay and no coinsurance. Additional benefits including health education, fitness, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, 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, home safety modifications, and counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FG-0002 (PPO) with no coinsurance, featuring one routine hearing exam per year with no copay, though fitting and evaluation exams are not covered. Up to two prescription or over-the-counter (OTC) hearing aids are covered annually with no coinsurance and copays ranging from $199.00 to $1,249.00, but inner ear, outer ear, and over the ear prescription aids are excluded.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FG-0002 (PPO), excluding other eye exams, upgrades, and eyeglasses (lenses and frames). Covered benefits feature no deductible, no coinsurance, and no copay for annual routine eye exams, frames, and contact lenses, with a $0 to $153 copay for eyeglass lenses and a combined $200 eyewear maximum every two years.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC FG-0002 (PPO) plan, which offers Medicare-covered dental services with no copay and 20% coinsurance, and preventive care with no copay and no coinsurance. Comprehensive services—including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics—are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FG-0002 (PPO) with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs require 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
The AARP Medicare Advantage from UHC FG-0002 (PPO) plan covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage from UHC FG-0002 (PPO) plan, including durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Covered diabetic supplies have no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC FG-0002 (PPO) with no coinsurance and a $45 copay for diagnostic procedures, and no copay or coinsurance for lab services. Diagnostic radiological services require no copay, outpatient X-rays have a $30 copay, and therapeutic radiological services have a 20% coinsurance.
Home Health Services See details
AARP Medicare Advantage from UHC FG-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
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC FG-0002 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, specific sub-services—including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services—are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by AARP Medicare Advantage from UHC FG-0002 (PPO) with no coinsurance and require prior authorization, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Additional days beyond the standard Medicare-covered limit are not covered by the plan.
Other Services See details
AARP Medicare Advantage from UHC FG-0002 (PPO) partially covers other services, which includes a meal benefit for chronic illnesses with no copay, no coinsurance, and prior authorization required. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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