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AARP Medicare Advantage from UHC MN-0005 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MN-0005 (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-0005 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MN-0005 (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-0005 (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-0005 (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-0005 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $94.00. 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 $6300.00 (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 $6300.00 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-0005 (PPO) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies and through mail order. Tier 2 generic drugs require an $8 copay for a 1-month supply at standard pharmacies, but members can receive a 3-month supply with no copay when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance at standard pharmacies and mail-order services. Tier 4 non-preferred drugs carry a 41% coinsurance, and Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC MN-0005 (PPO) plan provides comprehensive medical coverage, featuring no copays and no coinsurance for primary care, preventive care, and home health services. For inpatient hospital stays, members pay a $295 daily copay for days 1 to 3 and no copay thereafter, with no coinsurance required. Emergency room visits carry a $150 copay, while specialist visits and outpatient diagnostic services are covered with low-cost copays and no coinsurance. Routine vision, hearing, and preventive dental care are also covered with no copays, though comprehensive dental services and routine transportation are not covered. For specialized treatments, durable medical equipment and dialysis require a 20% coinsurance with no copay, while diagnostic lab services feature no copay. This plan offers predictable cost-sharing with no coinsurance on most primary, specialist, and hospital services.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MN-0005 (PPO) covers inpatient hospital services with no coinsurance, requiring a $295 daily copay for days 1-3 and no copay for days 4-90 for both acute and psychiatric stays. While unlimited additional acute days are covered with no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC MN-0005 (PPO) covers outpatient services with no coinsurance, offering no copays for ambulatory surgical center, outpatient substance abuse, and blood services. Outpatient hospital services have a copay ranging from $0 to $350, while observation services require a $350 daily copay, with prior authorization required for most of these services.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC MN-0005 (PPO) with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MN-0005 (PPO) covers ground and air ambulance services with a $130 copay and no coinsurance, with prior authorization required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC MN-0005 (PPO) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services have a copay of $0 to $65 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay, no coinsurance, and no deductible.
Primary Care See details
AARP Medicare Advantage from UHC MN-0005 (PPO) covers primary care, telehealth, mental health, psychiatric, and opioid treatment services with no copay and no coinsurance. Specialist visits require a $0 to $40 copay, physical, occupational, and speech therapies require a $10 copay, and routine podiatry is covered for a $40 copay, all with no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC MN-0005 (PPO) with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, glaucoma screenings, and fitness programs. However, several supplemental benefits are not covered, including health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC MN-0005 (PPO), featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription and OTC hearing aids are covered for up to two devices per year with no coinsurance and copays ranging from $199 to $1,249, but inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC MN-0005 (PPO) with no coinsurance, featuring no copay for annual routine eye exams, contact lenses, and eyeglass frames, alongside a $0 to $153 copay for eyeglass lenses up to a $200 combined limit every two years. Other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC MN-0005 (PPO) partially covers dental services, providing preventive and diagnostic care—such as exams, cleanings, and x-rays—with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, but comprehensive treatments like 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 MN-0005 (PPO) with no copay, though prior authorization is required. Medicare Part B drugs for these services, including chemotherapy, radiation, and insulin, carry a 0% to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
The AARP Medicare Advantage from UHC MN-0005 (PPO) plan covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC MN-0005 (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, medical supplies, and diabetic services, subject to prior authorization. These covered benefits feature no copay and a 20% coinsurance for DME, prosthetics, medical supplies, and diabetic therapeutic shoes, while diabetic supplies are available with no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC MN-0005 (PPO) with no coinsurance, though prior authorization is required. Lab services and diagnostic radiological services feature no copay, while diagnostic tests and outpatient X-rays have a $5 copay, and therapeutic radiological services require a copay starting at $25.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC MN-0005 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC MN-0005 (PPO) plan, including intensive cardiac, pulmonary, and SET for PAD rehabilitation services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC MN-0005 (PPO) with no coinsurance and no required three-day prior hospital stay. There is no copay for days 1 through 20 and a $218 copay for days 21 through 100, though prior authorization is required and additional days beyond day 100 are not covered.
Other Services See details
Other services under the AARP Medicare Advantage from UHC MN-0005 (PPO) are partially covered, offering a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture, Over-the-Counter (OTC) items, and other additional services are not covered.
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