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AARP Medicare Advantage from UHC FG-0003 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FG-0003 (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-0003 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FG-0003 (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-0003 (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-0003 (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-0003 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $95.00. 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-0003 (PPO) prescription drug coverage includes an annual drug deductible of $600. Tier 1 preferred generic drugs feature no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs have a $14 copay for a 1-month standard pharmacy supply, but members can save with no copay on a 3-month supply through preferred mail order. Brand-name and specialty medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance for both standard pharmacy and mail order purchases. Tier 4 non-preferred drugs carry a 35% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC FG-0003 (PPO) plan offers robust coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. For specialist visits, patients can expect a copay ranging from no copay up to $45, while inpatient hospital stays require a daily copay of $495 for the first few days followed by no copay for subsequent days. Emergency room visits carry a $130 copay, which is waived if admitted, while urgent care services feature a low copay of up to $50. This plan also provides valuable supplemental benefits, including no copay for routine annual vision and hearing exams, alongside a $300 eyewear allowance and prescription hearing aid coverage. Preventive dental care features no copay up to a $1,000 annual limit, while comprehensive dental services require a 50% coinsurance. Additionally, diagnostic lab work and home infusion services are available with no copay, while dialysis and durable medical equipment are covered with a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital care is covered by AARP Medicare Advantage from UHC FG-0003 (PPO) with no coinsurance, requiring a daily copay of $495 for days 1 to 5 of acute stays and days 1 to 4 of psychiatric stays, followed by no copay for subsequent days. Prior authorization is required, and certain services like upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC FG-0003 (PPO) with no coinsurance, featuring no copay or deductible for blood services and no copay for ambulatory surgical center services. Outpatient hospital services require a copay of $0 to $495 ($495 per day for observation), while outpatient substance abuse sessions have a $0 to $10 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FG-0003 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are offered by AARP Medicare Advantage from UHC FG-0003 (PPO), featuring a $290 copay and no coinsurance for ground and air ambulance services, which require prior authorization. For transportation benefits, some services are covered but transportation to plan-approved health-related locations and any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC FG-0003 (PPO) with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services feature a copay ranging from no copay up to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are provided with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC FG-0003 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits have a $0 to $45 copay and therapy services have a $35 copay, both with no coinsurance. Mental health and psychiatric services feature copays up to $10 with no coinsurance, but chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered under AARP Medicare Advantage from UHC FG-0003 (PPO) with no copay and no coinsurance for annual physicals, kidney disease education, glaucoma screenings, diabetes training, digital rectal exams, EKGs, and home safety devices. Additional services not covered include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation counseling, fitness benefits, disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FG-0003 (PPO) with no coinsurance, providing one annual routine hearing exam with no copay, while fitting and evaluation exams are not covered. Up to two prescription or OTC hearing aids are covered each year with no coinsurance and copays ranging from $199.00 to $1,249.00, though inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered under the AARP Medicare Advantage from UHC FG-0003 (PPO) plan with no deductible, no coinsurance, and no copay for annual routine eye exams, contact lenses, and eyeglass frames. Eyeglass lenses are covered with a $0 to $153 copay under a $300 combined eyewear allowance every two years, but other eye exams, upgrades, and bundled eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FG-0003 (PPO), offering preventive care with no copay or coinsurance up to a $1,000 annual maximum, and comprehensive services with no copay and 50% coinsurance. Medicare-covered dental services require no copay and 20% coinsurance, while implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FG-0003 (PPO) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization. Associated Medicare Part B chemotherapy, radiation, and other drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC FG-0003 (PPO) covers Dialysis Services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical Equipment is covered by AARP Medicare Advantage from UHC FG-0003 (PPO), featuring no copay and 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies have no copay but are subject to coinsurance and manufacturer limits, while diabetic therapeutic shoes and inserts require 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FG-0003 (PPO) covers diagnostic tests and procedures with a $50 copay and no coinsurance, while lab services are available with no copay and no coinsurance. Covered radiological services include outpatient X-rays for a $30 copay with coinsurance, diagnostic radiology with copays starting at $0, and therapeutic radiology with a minimum 20% coinsurance and a copay.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC FG-0003 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC FG-0003 (PPO) with no coinsurance, though some services are covered while standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC FG-0003 (PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, no prior three-day hospital stay is needed, and additional days beyond the standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC FG-0003 (PPO) provides partial coverage for other services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. Acupuncture and other miscellaneous services are not covered, and prior authorization is required for the meal benefit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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