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AARP Medicare Advantage from UHC FL-0019 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0019 (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-0019 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0019 (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-0019 (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-0019 (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-0019 (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-0019 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at a standard pharmacy, or for a 3-month supply via mail order. Tier 2 generic drugs cost a $10 copay for a 1-month supply at standard pharmacies, but you can secure a 3-month supply with no copay through preferred mail order. For Tier 3 preferred brand drugs, you will pay a 15% coinsurance for standard pharmacy and mail-order options. Higher-tier medications require coinsurance, with Tier 4 non-preferred drugs carrying a 38% coinsurance and Tier 5 specialty drugs requiring a 26% coinsurance for a 1-month supply. This clear cost breakdown helps you easily estimate your out-of-pocket prescription drug expenses.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0019 (PPO) plan offers robust coverage for core medical needs with no copay for primary care visits, annual physical exams, and home health services. For emergency care, members pay a $130 copay, while inpatient hospital stays require a $455 daily copay for the first few days before transitioning to no copay. Outpatient hospital services feature copays ranging from $0 to $455, and ambulatory surgical center visits are covered with no copay. Routine vision and preventive dental care are covered with no copay, though Medicare-covered dental services and durable medical equipment require a 20% coinsurance. Diagnostic laboratory services and diagnostic radiology are available with no copay, whereas skilled nursing facility stays feature no copay for the first 20 days. Additionally, prescription hearing aids are covered with copays ranging from $199 to $1,249 per device.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC FL-0019 (PPO) with no coinsurance, requiring a $455 daily copay for days 1 to 6 of acute stays (no copay for days 7 and beyond) and a $455 daily copay for days 1 to 5 of psychiatric stays (no copay for days 6 to 90). This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services under the AARP Medicare Advantage from UHC FL-0019 (PPO) are covered with no coinsurance, featuring a $0 to $455 copay for outpatient hospital services and a $455 daily copay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse services carry no coinsurance with copays ranging from $0 to $25 for individual sessions and a flat $15 copay for group sessions.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage from UHC FL-0019 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0019 (PPO) covers Medicare-covered ground and air ambulance services with a $275 copay and no coinsurance, requiring prior authorization. Transportation services to plan-approved or health-related locations are not covered by this plan.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0019 (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay 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 copays and no coinsurance.
Primary Care See details
Primary care benefits under the AARP Medicare Advantage from UHC FL-0019 (PPO) are offered with no copay and no coinsurance for primary care doctor visits, telehealth services, and opioid treatment. Other covered services feature no coinsurance and copays ranging from $0 to $55 for specialists, $25 for occupational therapy, $30 for physical therapy, and $45 for podiatry, though chiropractic services are not covered in practice.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC FL-0019 (PPO) with no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, kidney disease education, and diabetes self-management. Sub-services that are not covered under this plan include 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/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, remote access, home safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC FL-0019 (PPO) with no coinsurance, offering one routine hearing exam annually with no copay, though fitting and evaluation exams are not covered. Prescription hearing aids are also partially covered with a copay of $199 to $1,249 for up to two devices yearly, excluding inner ear, outer ear, and over the ear models. OTC hearing aids are covered for a copay of $199 to $829 with no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FL-0019 (PPO) with no deductibles or coinsurance, offering one routine eye exam per year, contact lenses, and eyeglass frames with no copay. Eyeglass lenses are covered with a $0 to $153 copay up to a combined $300 limit every two years, but other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered under the AARP Medicare Advantage from UHC FL-0019 (PPO) plan, featuring Medicare-covered dental care with no copay and 20% coinsurance, alongside preventive care like cleanings and exams with no copay and no coinsurance. Comprehensive treatments, including restorative services, endodontics, periodontics, prosthodontics, implants, and oral surgery, are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC FL-0019 (PPO) with no copay, though prior authorization is required. Part B chemotherapy, radiation, and other drugs require a coinsurance ranging from no coinsurance to 20%, while Part B insulin carries a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC FL-0019 (PPO) plan 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 from UHC FL-0019 (PPO), featuring no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes or inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FL-0019 (PPO) covers diagnostic and radiological services with no coinsurance and a $50 copay for diagnostic tests, and no copay for lab services. Outpatient x-rays require a $30 copay, diagnostic radiology has no copay, and therapeutic radiology requires a 20% coinsurance.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC FL-0019 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC FL-0019 (PPO) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0019 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day inpatient hospital stay. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-0019 (PPO) partially covers Other Services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, although prior authorization is required. Acupuncture, over-the-counter (OTC) items, and other supplemental services are not covered under this benefit.
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