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AARP Medicare Advantage from UHC FL-0025 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0025 (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-0025 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0025 (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 2025.
It's important to know that AARP Medicare Advantage from UHC FL-0025 (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-0025 (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-0025 (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-0025 (PPO) plan has an enhanced alternative drug benefit. The plan has a deductible of $420. Once you meet your deductible, you will pay a copay or coinsurance for your prescriptions, depending on the drug tier and pharmacy. In the initial coverage phase, you will pay varying copays for generic and brand-name drugs, and 28% coinsurance for non-preferred drugs. After your total drug costs reach $2000, you enter the catastrophic coverage phase, where you pay nothing for covered Part D drugs.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0025 (PPO) plan offers comprehensive coverage, including inpatient and outpatient hospital services, with varying copays. You'll find no copays for primary care visits, and many preventive services, while specialist visits have a copay between $0 and $30. This plan also covers dental, vision, and hearing services, with a yearly maximum benefit for dental, and copays for hearing aids. This plan provides additional benefits such as ambulance services with a $275 copay, and emergency services with a $125 copay. Other services like home health, and some medical equipment are covered, while you will pay coinsurance on some services. This plan also covers several other services like home infusion, dialysis, and partial hospitalization, with varying costs and requirements.
Inpatient Hospital See details
Inpatient Hospital benefits are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric services. For Inpatient Hospital-Acute, you will pay a $360 copay for days 1-5, and no copay for days 6-90, with no coinsurance. Additional days for Inpatient Hospital-Acute have no copay, and no coinsurance. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute are not covered. For Inpatient Hospital Psychiatric, you will pay a $360 copay for days 1-5, and no copay for days 6-90, with no coinsurance. Additional days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services includes coverage for all outpatient hospital services, with a copay between $0 and $360, and observation services with a $360 copay. Ambulatory Surgical Center (ASC) Services have no copay, and outpatient substance abuse services have a copay between $0 and $25 for individual sessions, and a $15 copay for group sessions. Outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered under the AARP Medicare Advantage from UHC FL-0025 (PPO) plan, but requires prior authorization. The copay for this benefit is $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, including both ground and air ambulance services. Ground and air ambulance services have a copay of $275, and there is no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services from AARP Medicare Advantage from UHC FL-0025 (PPO) includes a $125 copay for emergency services, and no coinsurance. Urgently Needed Services have a copay between $0 and $55, with no coinsurance. Worldwide Emergency Services have a $0 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, with no coinsurance.
Primary Care See details
The AARP Medicare Advantage from UHC FL-0025 (PPO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy services with a copay between $0 and $20, and physician specialist services with a copay between $0 and $30. The plan also covers mental health specialty services with a copay between $0 and $25 for individual sessions, and a $15 copay for group sessions, podiatry services with a $30 copay, other health care professional services with a copay between $0 and $30, psychiatric services with a copay between $0 and $25 for individual sessions, and a $15 copay for group sessions, physical therapy and speech-language pathology services with a copay between $0 and $20, additional telehealth benefits with no copay, and opioid treatment program services with no copay. Routine Chiropractic Care is not covered.
Preventive Services See details
Preventive Services include an annual physical exam with no copay, and additional preventive services with copays for Fitness Benefit and Home and Bathroom Safety Devices and Modifications. Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit have no copay.
Hearing Services See details
Hearing services include routine hearing exams with no copay, and prescription hearing aids with a copay between $199 and $1249, and OTC hearing aids with a copay between $99 and $829. Fitting/evaluation for hearing aids, Prescription Hearing Aids - Inner Ear, Prescription Hearing Aids - Outer Ear, and Prescription Hearing Aids - Over the Ear are not covered.
Vision Services See details
Vision Services includes coverage for eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear, including contact lenses, eyeglass lenses, and eyeglass frames, are covered, but eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0025 (PPO) covers dental services, including a 20% coinsurance for Medicare Dental Services, and offers a maximum benefit of $1000 per year for other dental services. The plan covers oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable), maxillofacial prosthetics, and oral and maxillofacial surgery with no copay, but with varying limits on the number of visits and service periodicity. However, 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%; for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, the coinsurance is between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC FL-0025 (PPO) plan and require prior authorization. You will pay a 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment with 20% coinsurance and Prosthetics/Medical Supplies with 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have 20% coinsurance, and some services require prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services includes coverage for all diagnostic services, diagnostic procedures/tests with a $50 copay, and lab services with no copay. Outpatient X-ray services have a $25 copay, while diagnostic radiological services have a copay of at most $250, and therapeutic radiological services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC FL-0025 (PPO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services are not covered. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC FL-0025 (PPO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $203.
Other Services See details
The AARP Medicare Advantage from UHC FL-0025 (PPO) plan's "Other Services" benefit includes coverage for Over-the-Counter (OTC) items and a meal benefit with no copay, but acupuncture and other services are not covered. OTC items have no copay, and the meal benefit requires prior authorization.
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