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AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx FG-MA01 (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 Patriot No Rx FG-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx FG-MA01 (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 Patriot No Rx FG-MA01 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx FG-MA01 (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 Patriot No Rx FG-MA01 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $115.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) offers robust coverage with no copay and no coinsurance for primary care visits, preventive services, and annual physicals. For inpatient hospital stays, members pay a $435 daily copay for the first few days and no copay for subsequent days, while outpatient hospital services feature a copay of up to $435 with no coinsurance. Emergency care is accessible with a $130 copay, which is waived upon admission, and worldwide emergency services require no copay. Specialty care under this plan includes dental, vision, and hearing benefits, highlighted by no copay for preventive dental care up to $2,500 annually and routine eye exams. Prescription hearing aids require copays ranging from $199 to $1,249, while medical equipment and dialysis services generally require a 20% coinsurance. Skilled nursing facility stays are also covered with no copay for the first 20 days and a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) covers inpatient acute and psychiatric hospital services with no coinsurance, though prior authorization is required. Patients pay a $435 daily copay for days 1 to 7 of acute stays and days 1 to 5 of psychiatric stays, with no copay for subsequent days; however, upgrades, additional psychiatric days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services for the AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) are covered with no coinsurance, featuring a copay of up to $435 for outpatient hospital and observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance. Outpatient substance abuse services also have no coinsurance, with copays ranging from no copay to $10 per session.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) plan with a $55 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO), which features a $290 copay and no coinsurance for both ground and air ambulance services. Prior authorization is required for ambulance services, and transportation services to health-related locations are not covered.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx FG-MA01 (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 have a $0 to $50 copay and no coinsurance, while worldwide emergency services, urgent care, and emergency transportation are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) covers primary care physician and telehealth services with no copay and no coinsurance. Specialist visits, physical and occupational therapy, podiatry, and mental health services are also covered with no coinsurance and copays ranging from $0 to $55, while routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by the AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and kidney education. Sub-services that are not covered include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) offers partially covered hearing services with no deductible, including one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a $199.00 to $1249.00 copay and no coinsurance, excluding inner, outer, and over the ear models, while up to two OTC hearing aids are covered with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO), featuring no copay or coinsurance for annual routine eye exams and contact lenses. Eyeglass frames and lenses are covered with no coinsurance and a copay of $0 to $153 up to a $200 combined limit every two years, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) plan, which excludes implant services and orthodontics. Preventive and diagnostic dental care is available with no copay and no coinsurance up to a $2,500 annual limit, while Medicare-covered dental services require no copay and 20% coinsurance, and covered comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
The AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require 0% to 20% coinsurance, while Medicare Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO), including durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies feature 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
AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) covers diagnostic and radiological services with prior authorization. Diagnostic tests require a $45 copay and no coinsurance, lab services and diagnostic radiology have no copay and no coinsurance, while outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiology has a 20% coinsurance plus a copay.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no copay and no coinsurance under the AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) plan, though only some services are covered in practice. Standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered, and prior authorization is required for any covered services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by the AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a three-day prior hospital stay is not required for admission, and additional days beyond the standard 100 days are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO), which offers over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this benefit, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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