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AARP Medicare Advantage from UHC FL-0017 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0017 (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 FL-0017 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0017 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Florida. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage from UHC FL-0017 (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 FL-0017 (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 FL-0017 (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.
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 FL-0017 (PPO) prescription drug plan features an annual drug deductible of $600. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay for 1-month and 3-month supplies at standard pharmacies and standard mail order. This benefit ensures low out-of-pocket costs for your most common generic prescriptions. For brand-name and specialty prescriptions, costs are based on a percentage of the drug cost. Tier 3 preferred brands require a 19% coinsurance, while Tier 4 non-preferred drugs carry a 38% coinsurance. Tier 5 specialty drugs are covered with a 26% coinsurance for a 1-month supply at standard pharmacies and standard mail order.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0017 (PPO) plan offers affordable access to essential medical services, featuring no copay for primary care visits, telehealth, annual physicals, and routine hearing and vision exams. For inpatient hospital stays, you will pay a $495 copay for days one through five, with no copay for additional days, while emergency room visits require a $130 copay that is waived if you are admitted. Outpatient and diagnostic services are also highly cost-effective, with no coinsurance and many services requiring no copay. Specialist visits range from no copay to a $45 copay, and routine dental cleanings are covered with no copay. However, more specialized needs like durable medical equipment, dialysis, and Medicare-covered dental care require a 20% coinsurance. While home health services are fully covered with no copay, it is important to note that this plan does not cover routine transportation or cardiac rehabilitation.
Inpatient Hospital See details
Inpatient hospital care is covered by AARP Medicare Advantage from UHC FL-0017 (PPO) with no coinsurance, but is partially covered as upgrades, additional psychiatric days, and non-Medicare-covered stays are not covered. For acute stays, you pay a $495 copay for days 1 through 5 and no copay for day 6 and beyond, while psychiatric stays require a $495 copay for days 1 through 4 and no copay for days 5 through 90.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0017 (PPO) covers outpatient services with no coinsurance, though copays vary depending on the service. There is no copay and no coinsurance for ambulatory surgical center and outpatient blood services, whereas outpatient hospital copays range from $0 to $495 and outpatient substance abuse sessions require a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0017 (PPO) covers partial hospitalization services 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 FL-0017 (PPO) covers ground and air ambulance services with a $125 copay and no coinsurance, though prior authorization is required. Routine transportation services to plan-approved or health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0017 (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 ranging from $0 to $50 with no coinsurance, while 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 FL-0017 (PPO) are covered with no coinsurance, featuring no copay for primary care provider visits, telehealth, and opioid treatment. Other services also have no coinsurance, with copays ranging from no copay to $45 for specialists, no copay to $25 for mental health, $20 for physical, occupational, and speech therapies, and $35 for up to six routine podiatry visits, though chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC FL-0017 (PPO) offers partially covered Preventive Services with no copay and no coinsurance for covered services like annual physical exams, fitness benefits, kidney disease education, and glaucoma screenings. However, many sub-services are not covered, including 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 benefits, palliative care, in-home support, caregiver support, tobacco cessation, disease management, telemonitoring, remote access, bathroom safety devices, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0017 (PPO) covers annual routine hearing exams with no copay and no coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two prescription hearing aids per year with a copay of $199 to $1,249 and up to two OTC hearing aids with a copay of $199 to $829, both with no coinsurance. However, prescription hearing aids for the inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FL-0017 (PPO) with no deductibles and no coinsurance, offering one routine eye exam per year and contact lenses or frames with no copay, and eyeglass lenses with a $0 to $153 copay. This eyewear benefit has a combined maximum limit of $300 every two years, but other eye exams, upgrades, and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0017 (PPO) offers partially covered dental services, featuring no copay and a 20% coinsurance for Medicare-covered dental, and no copay and no coinsurance for preventive care like exams, cleanings, fluoride, and X-rays. However, other diagnostic services, restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0017 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs require no copay and no coinsurance to 20% coinsurance, while insulin drugs have a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC FL-0017 (PPO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Medical equipment covered by the AARP Medicare Advantage from UHC FL-0017 (PPO) plan, including durable medical equipment, prosthetics, and medical supplies, requires no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FL-0017 (PPO) covers diagnostic and radiological services with no coinsurance, although prior authorization is required. There is no copay for lab services and diagnostic radiology, while outpatient X-rays and diagnostic tests have a $5 copay, and therapeutic radiological services require a minimum copay of $50.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC FL-0017 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC FL-0017 (PPO) plan, as none of the key sub-services, including intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation, are covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0017 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. This benefit is partially covered because additional days beyond the standard 100 days are not covered, though a prior 3-day hospital stay is not required for admission.
Other Services See details
AARP Medicare Advantage from UHC FL-0017 (PPO) partially covers other services, offering a meal benefit for chronic illness with no copay and no coinsurance, although prior authorization is required. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered under this benefit.
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