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AARP Medicare Advantage from UHC FL-0023 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0023 (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-0023 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0023 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Citrus and Levy Counties. 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-0023 (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-0023 (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-0023 (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-0023 (PPO) plan has an annual drug deductible of $600. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs at standard pharmacies or through standard mail order. This coverage applies to both 1-month and 3-month supplies, helping you save on common medications. For brand-name and specialty medications, the plan uses a coinsurance model instead of flat copays. Tier 3 preferred brand drugs carry a 21% coinsurance, Tier 4 non-preferred drugs have a 34% coinsurance, and Tier 5 specialty drugs require a 26% coinsurance. These coinsurance rates apply to standard pharmacy and standard mail order fills during the initial coverage phase.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0023 (PPO) plan offers robust coverage featuring no copays and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $350 daily copay for the first six days and no copay for days seven through 90, with no coinsurance. Outpatient services and emergency room visits are also covered with no coinsurance, requiring copays up to $350 and a flat $130 copay, respectively. Routine vision, hearing, and preventive dental services are covered with no copay and no coinsurance, which includes a routine eye exam and a $300 eyewear allowance every two years. For specialized medical needs, diagnostic lab services have no copay, while durable medical equipment, dialysis, and comprehensive dental services require no copay but carry a 20% to 50% coinsurance. Prescription hearing aids are also available with copays ranging from $199 to $1,249.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0023 (PPO) covers inpatient hospital services with no coinsurance, requiring a $350 daily copay for days 1 to 6 and no copay for days 7 to 90 for both acute and psychiatric stays. This benefit is partially covered, as additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0023 (PPO) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay. Outpatient hospital services require a $0 to $350 copay, observation services carry a $350 daily copay, and outpatient substance abuse sessions range from no copay to a $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0023 (PPO) covers partial hospitalization with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0023 (PPO) covers ground and air ambulance services with a $120 copay and no coinsurance, though prior authorization is required. For transportation services, some services are covered, but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0023 (PPO) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a $0 to $50 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC FL-0023 (PPO) provides primary care physician visits and telehealth benefits with no copay and no coinsurance. Covered specialist, therapy, and mental health services feature no coinsurance with copays ranging from $0 to $35, while routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC FL-0023 (PPO) with no copay and no coinsurance for covered services, including annual physical exams, kidney disease education, and a fitness benefit. However, several additional preventive benefits are not covered, such as health education, personal emergency response systems, alternative therapies, nutritional benefits, and in-home support services.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0023 (PPO) provides partially covered hearing services with no deductible and no coinsurance. Routine hearing exams have no copay, but fitting and evaluation services are not covered. Up to two prescription hearing aids (with copays of $199 to $1,249) and OTC hearing aids (with copays of $199 to $829) are covered annually, though inner, outer, and over-the-ear prescription models are excluded.
Vision Services See details
AARP Medicare Advantage from UHC FL-0023 (PPO) offers partially covered vision services with no deductible and no coinsurance, featuring one routine eye exam per year with no copay. Eyewear benefits include a $300 combined limit every two years with no copay for contact lenses or frames and a $0 to $153 copay for lenses, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FL-0023 (PPO), offering preventive care with no copay and no coinsurance up to a $1,000 annual maximum. Medicare-covered dental services require no copay and a 20% coinsurance, while covered comprehensive dental services require no copay and a 50% coinsurance; however, implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0023 (PPO) covers home infusion bundled services with no copay, although prior authorization is required. Covered Medicare Part B chemotherapy and other drugs require no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC FL-0023 (PPO) with no copay and 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0023 (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, and medical supplies, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC FL-0023 (PPO) with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiology, a $5 copay for diagnostic procedures and outpatient X-rays, and a $20 minimum copay for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC FL-0023 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC FL-0023 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0023 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, featuring no copay for days 1 to 20 and a $218 copay per day for days 21 to 100. Prior authorization is required and a three-day prior hospital stay is not needed, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-0023 (PPO) partially covers other services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and Over-the-Counter (OTC) items are not covered under this benefit.
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