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AARP Medicare Advantage from UHC FL-0024 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0024 (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-0024 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0024 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Lake, Marion, and Sumter Counties. 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-0024 (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-0024 (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-0024 (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-0024 (PPO) plan has an enhanced alternative drug benefit. The plan has a deductible of $420. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For drugs in the preferred generic tier, there is a $5 copay at standard pharmacies. For standard generic drugs, the copay is $47. Preferred and standard brand drugs have a $100 copay, and non-preferred drugs have 28% coinsurance. Once your total drug costs reach $2000, you will enter the catastrophic coverage phase, and your costs will be $0.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0024 (PPO) plan offers a range of benefits with varying costs. For inpatient hospital stays, you'll pay a $295 copay for the first four days, with no copay for the remaining days. Outpatient services have copays that range from $0 to $295, depending on the specific service. This plan includes coverage for primary care with no copay, along with benefits for hearing and vision. Hearing exams, routine eye exams, contact lenses, and eyeglass lenses and frames are covered with no copay. Dental services, medical equipment, and home health services are also included, with differing copays and coinsurance amounts depending on the specific service.
Inpatient Hospital See details
Inpatient hospital services are covered, with a copay of $295 for days 1-4, and no copay for days 5-90. Additional days for inpatient hospital-acute have no copay. Non-Medicare-covered stays and upgrades for inpatient hospital-acute are not covered. Inpatient hospital psychiatric services are covered with a copay of $295 for days 1-4, and no copay for days 5-90, but additional days and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a copay between $0 and $295, observation services with a $295 copay, and ambulatory surgical center services with no copay. This plan also covers outpatient substance abuse services, including individual sessions with a copay between $0 and $25, and group sessions with a $15 copay, as well as outpatient blood services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC FL-0024 (PPO) plan, with a $55 copay. Prior authorization is required.
Ambulance and Transportation Services See details
Ambulance Services are covered by AARP Medicare Advantage from UHC FL-0024 (PPO), with a $280 copay for both ground and air ambulance services and no coinsurance. 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-0024 (PPO) plan. Emergency Services have a $125 copay, Urgently Needed Services have a copay between $0 and $50, and Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation have no copay.
Primary Care See details
The AARP Medicare Advantage from UHC FL-0024 (PPO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, and occupational therapy with a $0-$25 copay. The plan also covers physician specialist services with a $0-$35 copay, mental health specialty services with a $0-$25 copay for individual sessions and a $15 copay for group sessions, and podiatry services with a $35 copay. Other health care professional services, psychiatric services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment program services are covered with varying copays. Routine chiropractic care is not covered.
Preventive Services See details
Preventive Services include Medicare-covered services with no copay, and an annual physical exam with no copay. Additional preventive services include Fitness Benefit and Home and Bathroom Safety Devices and Modifications, both with no copay. Other services such as Health Education, Counseling Services, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are covered for one visit per year with no copay. Prescription hearing aids are partially covered, with a copay between $199 and $1249 for all types of prescription hearing aids, but not for inner ear, outer ear, or over the ear hearing aids. OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
Vision Services include routine eye exams with no copay, and eyewear benefits. Eyewear benefits include contact lenses with no copay and eyeglass lenses and frames with a $0 copay. Eyeglass frames are covered with one frame every two years, and eyeglass lenses are covered with one pair every two years. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services includes coverage for Medicare Dental Services with 20% coinsurance, and Other Dental Services. Oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventive dental services are covered with no copay. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Oral and Maxillofacial Surgery are covered with no copay, while Prosthodontics, removable and Prosthodontics, fixed have a coinsurance between 0% and 50%. Maxillofacial Prosthetics has no copay. Implant Services and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and prior authorization is required. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. 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-0024 (PPO) plan. This benefit has a coinsurance of 20%.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance with no copay. Prosthetic Devices have a 20% coinsurance with no copay, while Medical Supplies have a 20% coinsurance with no copay. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance. Note that Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures/tests with a $20 copay, lab services with no copay, diagnostic radiological services with a copay up to $250, therapeutic radiological services with a $50 copay, and outpatient X-ray services with a $5 copay. Prior authorization is required for all services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC FL-0024 (PPO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC FL-0024 (PPO) covers Cardiac Rehabilitation Services, but not Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC FL-0024 (PPO) plan, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100. Additional days beyond Medicare-covered for SNF and Non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services include Over-the-Counter (OTC) Items and Meal Benefit, with OTC items having no copay and the meal benefit also having no copay. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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