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AARP Medicare Advantage from UHC FL-0018 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0018 (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-0018 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0018 (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 2025.
It's important to know that AARP Medicare Advantage from UHC FL-0018 (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-0018 (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-0018 (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 $420.00 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-0018 (PPO) plan has a $420 deductible for prescription drugs. After you meet your deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For the initial coverage phase, you'll pay $10 for preferred generic drugs at a standard pharmacy, $47 for standard generic drugs, and $100 for preferred brand drugs. Non-preferred drugs have a 28% coinsurance. Once your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0018 (PPO) plan offers a range of benefits with varying costs. Inpatient hospital stays have a copay, while outpatient services, primary care, preventive services, and vision exams have no copay. Ambulance services, emergency services, and hearing exams have copays. The plan includes coverage for home health services with no copay, and offers dental services with no copay for preventive services, but a 20% coinsurance for Medicare dental services. The plan also covers prescription hearing aids with a copay, and medical equipment with a 20% coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits are covered by the AARP Medicare Advantage from UHC FL-0018 (PPO) plan. For Inpatient Hospital-Acute, you will pay a $310 copay for days 1-7, and no copay for days 8-90, with no coinsurance. Inpatient Hospital Psychiatric has a $310 copay for days 1-5, and no copay for days 6-90, with no coinsurance.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with copays ranging from $0 to $310, and observation services with a $310 copay. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, and Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25, while Group Sessions for Outpatient Substance Abuse have a $15 copay.
Partial Hospitalization See details
Partial Hospitalization is covered with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered under the AARP Medicare Advantage from UHC FL-0018 (PPO) plan. Ground and air ambulance services have a $275 copay with no coinsurance, while 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 by the AARP Medicare Advantage from UHC FL-0018 (PPO) plan. Emergency Services has a $125 copay, while Urgently Needed Services has a copay between $0 and $55; both have no coinsurance. Worldwide Emergency Services has no coinsurance and copays of $0 for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation.
Primary Care See details
The AARP Medicare Advantage from UHC FL-0018 (PPO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, and occupational therapy services with a copay between $0 and $20. The plan also covers a range of other services, including physical therapy and speech-language pathology services with a copay between $0 and $20; additional telehealth benefits with no copay; and opioid treatment program services with no copay. The plan also covers physician specialist services, mental health specialty services, podiatry services, other health care professional services, and psychiatric services.
Preventive Services See details
Preventive services include Medicare-covered services with no copay, an annual physical exam with no copay, and additional preventive services. Additional preventive services include Fitness Benefit, Home and Bathroom Safety Devices and Modifications, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit, all of which have no copay. Other services, such as Health Education and Counseling Services, are not covered.
Hearing Services See details
Hearing exams are covered with no copay, routine hearing exams have no copay, and prescription hearing aids have a copay between $199 and $1249, and OTC hearing aids have a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
Vision services include eye exams with no copay, and eyewear. Eyewear has a combined maximum of $300 every two years for both in-network and out-of-network services. Contact lenses, eyeglass lenses, and eyeglass frames are covered with no copay. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services include a 20% coinsurance for Medicare Dental Services, while oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, and other preventive dental services have no copay. Orthodontic, restorative, adjunctive general, endodontics, periodontics, prosthodontics, maxillofacial prosthetics, implant, and oral surgery services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the AARP Medicare Advantage from UHC FL-0018 (PPO) plan, but 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 under the AARP Medicare Advantage from UHC FL-0018 (PPO) plan, requiring prior authorization. The plan has a 20% coinsurance for dialysis services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC FL-0018 (PPO). Durable Medical Equipment (DME) has a 20% coinsurance, 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 copay of $50, and lab services with no copay. Radiological services are also covered, with a copay of up to $250 for diagnostic services, a coinsurance of at least 20% for therapeutic services, and a $25 copay for outpatient X-ray services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC FL-0018 (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 covered, but the specific services of Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD are not covered. Prior authorization is required for this benefit, and more copay information is available.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered with prior authorization. There is no copay for days 1-20, and a $203 copay per day for days 21-100.
Other Services See details
The AARP Medicare Advantage from UHC FL-0018 (PPO) plan covers Over-the-Counter (OTC) Items with no copay, and offers a Meal Benefit with no copay and prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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