A non-government entity
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 2026, 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 2026.
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 $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:
Sign up for AARP Medicare Advantage from UHC FL-0018 (PPO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC FL-0018 (PPO) plan features a $600 drug deductible. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for 3-month mail-order fills. Tier 2 generic medications cost a $10 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay through preferred mail order. For higher-tier medications, your costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance across standard pharmacies and mail-order options. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 40% and 26% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0018 (PPO) plan offers comprehensive coverage for essential healthcare needs, featuring no copays and no coinsurance for primary care doctor visits, home health services, and annual preventive exams. Specialist visits, emergency room care, and outpatient services are covered with predictable copayments and no coinsurance, such as a $130 copay for emergency visits and a $455 daily copay for the first days of inpatient hospital stays. Diagnostic lab work and outpatient x-rays are also highly accessible, requiring no copay or a low $5 copay. For routine wellness, this plan provides dental, vision, and hearing benefits, offering no copay for annual routine exams, cleanings, and basic eyewear. However, more advanced services require cost-sharing, such as prescription hearing aids which carry copays starting at $199, and durable medical equipment or Medicare-covered dental care which require a 20% coinsurance. Overall, this PPO plan is designed to eliminate out-of-pocket costs for routine preventive care while keeping specialized medical services affordable through structured copays and coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0018 (PPO) covers inpatient hospital services with no coinsurance, requiring a $455 daily copay for days 1-6 of acute stays (no copay for days 7 and beyond) and days 1-5 of psychiatric stays (no copay for days 6-90). This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0018 (PPO) covers outpatient services with no coinsurance, featuring a copay of $0 to $455 for outpatient hospital services and $455 per day for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay, while outpatient substance abuse sessions require a copay ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC FL-0018 (PPO) with a $55.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0018 (PPO) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0018 (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 copay of up to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC FL-0018 (PPO) plan feature no copay and no coinsurance for primary care visits, telehealth, and opioid treatment. Specialist, therapy, psychiatric, and podiatry services are covered with copays ranging from $0 to $55 and no coinsurance, though chiropractic services are only partially covered as routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC FL-0018 (PPO) with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, and fitness benefits. However, several additional preventive sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, and in-home support.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FL-0018 (PPO), which offers 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 to $1,249 copay and no coinsurance—excluding inner ear, outer ear, and over the ear types—while up to two OTC hearing aids are covered with a $199 to $829 copay and no coinsurance.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC FL-0018 (PPO), offering routine eye exams and eyewear with no coinsurance and no copay, though eyeglass lenses carry a copay of $0 to $153. Covered eyewear is subject to a $300 limit every two years, but other eye exam services, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FL-0018 (PPO), featuring preventive care like exams, cleanings, and fluoride with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, but comprehensive treatments including restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0018 (PPO) covers home infusion bundled services with no copay, subject to prior authorization. Associated Medicare Part B chemotherapy, radiation, and other drugs carry no copay and range from no coinsurance to 20% coinsurance, while Part B insulin drugs have a $35 copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage from UHC FL-0018 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0018 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and 20% coinsurance. Diabetic supplies are offered with no copay and no coinsurance, while diabetic therapeutic shoes and inserts require 20% coinsurance and no copay.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FL-0018 (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Diagnostic procedures and tests have a $10 copay, outpatient x-rays have a $5 copay, and therapeutic radiological services require a $60 copay, while lab services and diagnostic radiological services are available with no copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC FL-0018 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC FL-0018 (PPO) covers some Cardiac Rehabilitation Services with no copay and no coinsurance, although standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by AARP Medicare Advantage from UHC FL-0018 (PPO), as additional days beyond the standard Medicare-covered limit are not covered. Covered days require no coinsurance, featuring no copay for days 1 to 20 and a $218 copay for days 21 to 100, with prior authorization required.
Other Services See details
AARP Medicare Advantage from UHC FL-0018 (PPO) partially covers other services, offering a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved