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AARP Medicare Advantage from UHC MN-0004 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MN-0004 (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-0004 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC MN-0004 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Minnesota. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage from UHC MN-0004 (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-0004 (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-0004 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $66.00. 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 $495.00 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 $8400.00 (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 $8400.00 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-0004 (PPO) plan has an enhanced alternative drug benefit. The plan has a deductible of $495.00. After meeting your deductible, you will pay a copay for your prescriptions depending on the tier and pharmacy you use. For example, a standard generic drug has a $12.00 copay. You will enter the catastrophic coverage phase once your total drug costs reach $2000.00.
Additional Benefits
The AARP Medicare Advantage from UHC MN-0004 (PPO) plan offers coverage for a variety of services. Inpatient hospital stays have a copay, but outpatient services may have copays depending on the service. Ambulance services have a copay, and emergency services have a $125 copay. This plan covers primary care with no copay, and offers some coverage for hearing, vision, and dental services. Preventive services, home health, and skilled nursing facility services are covered with either no copay or a low copay. Diagnostic and radiological services have copays or coinsurance, and medical equipment is covered with coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, with a $495 copay for days 1-5 and no copay for days 6-90 for Inpatient Hospital-Acute, and a $495 copay for days 1-4 and no copay for days 5-90 for Inpatient Hospital Psychiatric. Additional days for Inpatient Hospital-Acute are covered with no copay for days 91-999. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, and additional days and non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered, including all outpatient hospital services, observation services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay between $0 and $495, observation services have a $495 copay, ASC services have no copay, individual substance abuse sessions have a copay between $0 and $5, group substance abuse sessions have a $5 copay, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization. You will pay a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage from UHC MN-0004 (PPO) plan, with a $290 copay for both ground and air ambulance services and no coinsurance. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered. Emergency Services have a $125 copay, while Urgently Needed Services have a copay of $0-$55, and Worldwide Emergency Services have a copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The AARP Medicare Advantage from UHC MN-0004 (PPO) plan covers primary care physician services with no copay. Chiropractic services have a $20 copay, while occupational therapy services have a copay between $0 and $45. Physician specialist services, physical therapy, and speech-language pathology services have copays between $0 and $45, while mental health specialty services, psychiatric services, and opioid treatment program services have copays of $0 to $5. Podiatry services and other health care professional services have copays of $45. Additional telehealth benefits have no copay.
Preventive Services See details
The AARP Medicare Advantage from UHC MN-0004 (PPO) plan covers preventive services including an annual physical exam with no copay. Additional preventive services, including fitness benefits, and home and bathroom safety devices and modifications are covered with a copay, while services such as health education, in-home safety assessments, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay. Prescription hearing aids are covered, with a copay between $199 and $1249, depending on the type of hearing aid. OTC hearing aids are also covered with a copay between $99 and $829. Fitting/evaluation for hearing aids, and prescription hearing aids - inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision Services includes coverage for eye exams with no copay, and for eyewear with a combined maximum benefit of $150 every two years. Eyeglass lenses have a copay of $0-$153, while eyeglass frames and contact lenses have no copay. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services are partially covered under the AARP Medicare Advantage from UHC MN-0004 (PPO) plan. Medicare Dental Services have a 20% coinsurance and require prior authorization, while oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services have no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay, with a coinsurance between 0% and 20%. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered, but require prior authorization. You will pay 20% coinsurance.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices and Medical Supplies have a 20% coinsurance, and Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests with a $50 copay, and lab services with no copay. Additionally, this plan covers diagnostic radiological services with a copay up to $250, therapeutic radiological services with 20% coinsurance, and outpatient X-ray services with a $25 copay.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC MN-0004 (PPO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the AARP Medicare Advantage from UHC MN-0004 (PPO) plan. Prior authorization is required for the services, but the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC MN-0004 (PPO), with a $0 copay for days 1-20 and a $203 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) items and Meal Benefits. Over-the-Counter (OTC) items have no copay, while Meal Benefits require prior authorization and have no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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