A non-government entity
AARP Medicare Advantage from UHC FL-0021 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0021 (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-0021 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0021 (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-0021 (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-0021 (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-0021 (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-0021 (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-0021 (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 standard pharmacies and mail-order services. Tier 2 generic drugs are also highly affordable, costing just a $5 copay for a 1-month supply at standard pharmacies, or no copay for a 3-month supply when using preferred mail order. Brand-name and specialty medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs carry coinsurance rates of 41% and 26% respectively. These coinsurance rates apply across standard pharmacies as well as preferred and standard mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0021 (PPO) plan offers robust coverage for everyday healthcare needs, featuring no copays and no coinsurance for primary care visits, telehealth, annual physicals, and home health services. Specialist visits, urgent care, and diagnostic services are highly accessible, requiring low copays and no coinsurance. For major medical events, inpatient hospital stays require a daily copay of $395 for the first several days, while emergency room visits carry a $130 copay that is waived upon admission. This plan also includes valuable supplemental benefits, such as routine dental, vision, and hearing exams with no copays or coinsurance. Members can take advantage of a $300 eyewear allowance every two years and hearing aid coverage with copays ranging from $199 to $1,249. Additionally, durable medical equipment, diabetic therapeutic shoes, and dialysis services are covered with no copay and a standard 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0021 (PPO) covers inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1-7 of acute stays (no copay for days 8 and beyond) and a $395 daily copay for days 1-5 of psychiatric stays (no copay for days 6-90). The benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with no coinsurance, featuring no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services have a copay of $0 to $395, observation services carry a $395 daily copay, and outpatient substance abuse sessions require copays between $0 and $25, with prior authorization required.
Partial Hospitalization See details
Partial hospitalization is covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with a $55.00 copay and no coinsurance, and prior authorization is required.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0021 (PPO) covers Medicare-covered 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
Emergency Services under the AARP Medicare Advantage from UHC FL-0021 (PPO) are covered 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 $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 from UHC FL-0021 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $45 copay with no coinsurance. Other services like physical therapy, mental health, and podiatry require copays between $0 and $40 with no coinsurance, though chiropractic services are not covered in practice.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with no copay and no coinsurance for covered benefits like annual physicals, fitness benefits, and kidney disease education. However, several 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, smoking cessation counseling, disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0021 (PPO) provides partially covered hearing services, including one routine hearing exam annually with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids are partially covered for up to two devices yearly with a copay of $199.00 to $1,249.00 and no coinsurance, excluding inner ear, outer ear, and over-the-ear types, while up to two OTC hearing aids are covered with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with no deductible, offering one routine eye exam per year with no copay or coinsurance, and a $300 eyewear allowance every two years with no coinsurance and copays ranging from $0 to $153. Other eye exam services, upgrades, and packaged eyeglasses (lenses and frames) are not covered under this plan.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FL-0021 (PPO), featuring Medicare-covered dental with no copay and a 20% coinsurance, and preventive services like cleanings and exams with no copay and no coinsurance. However, several sub-services are not covered, including other diagnostic services, restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0021 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and radiation, require no copay and between no coinsurance and 20% coinsurance, while Part B insulin requires a $35 copay and between no coinsurance and 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with no copay and a 20% coinsurance, and prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0021 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with no coinsurance, although prior authorization is required. Under this plan, there is no copay for lab services and diagnostic radiological services, a $30 copay for diagnostic procedures and outpatient X-rays, and a minimum $80 copay for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with no copay and no coinsurance, but while some services are covered, cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by AARP Medicare Advantage from UHC FL-0021 (PPO) with no coinsurance and no prior three-day hospital stay required. There is no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and prior authorization is required, though additional days beyond the standard Medicare benefit are not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-0021 (PPO) partially covers other services, providing a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. 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