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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 2026, 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 2026.
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 $520.00 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) prescription drug plan has an annual deductible of $520. Under this plan, Tier 1 preferred generic drugs are highly affordable, requiring no copay for 1-month or 3-month supplies at standard pharmacies and through mail order. Tier 2 generic medications carry a $15 copay for a 1-month standard pharmacy supply, but members enjoy no copay for a 3-month supply filled via preferred mail order. For brand-name and specialized medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance, while Tier 4 non-preferred drugs carry a 39% coinsurance for a 1-month supply. Tier 5 specialty tier drugs have a 27% coinsurance for a 1-month supply across standard pharmacies and mail-order options.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0025 (PPO) offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $425 daily copay for the first seven days of acute stays, with no copay required for additional days. Outpatient hospital services feature copays ranging from no copay up to $425, while emergency room visits require a $130 copay that is waived upon hospital admission. Routine vision, hearing, and preventive dental services are covered with no copay and no coinsurance, though specialized treatments like prescription hearing aids require copays starting at $199. Durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance. Additionally, skilled nursing facility stays require no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital services are partially covered by AARP Medicare Advantage from UHC FL-0025 (PPO) with no coinsurance, requiring a $425 daily copay for days 1 to 7 of acute stays (no copay for days 8 and beyond) and a $425 daily copay for days 1 to 5 of psychiatric stays (no copay for days 6 to 90). Prior authorization is required, and upgrades, additional psychiatric days, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0025 (PPO) covers outpatient services with no coinsurance, featuring copays of $0 to $425 for outpatient hospital services and $425 per day for observation services. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage from UHC FL-0025 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC FL-0025 (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Routine transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC FL-0025 (PPO) 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 copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits through AARP Medicare Advantage from UHC FL-0025 (PPO) feature no copay and no coinsurance for primary care visits, telehealth, and opioid treatment. Other covered services require no coinsurance, with copays ranging from $0 to $40 for specialists, $20 for physical, occupational, and speech therapies, and up to $25 for mental health sessions, though chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC FL-0025 (PPO) with no copay and no coinsurance for annual physicals, fitness benefits, kidney education, and select screenings. Uncovered services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, extra smoking cessation, 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-0025 (PPO), offering one routine hearing exam annually with no copay and no coinsurance, though fitting and evaluation exams are not covered. Prescription hearing aids (limit of two yearly) require a $199.00 to $1,249.00 copay and no coinsurance, excluding inner ear, outer ear, and over-the-ear types, while 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-0025 (PPO), offering one routine eye exam per year with no copay or coinsurance, while other eye exam services are not covered. Covered eyewear options include contact lenses and eyeglass frames with no copay or coinsurance, and eyeglass lenses with a copay of $0 to $153 and no coinsurance up to a $300 combined limit every two years, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0025 (PPO) partially covers dental services, offering Medicare-covered dental with no copay and a 20% coinsurance, alongside preventive care like exams, cleanings, fluoride, and x-rays with no copay and no coinsurance. However, other diagnostic, restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0025 (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Covered Medicare Part B chemotherapy and other infusion drugs require no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC FL-0025 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC FL-0025 (PPO) covers medical equipment, including durable medical equipment (DME), prosthetics, medical supplies, and diabetic equipment. There is no copay and a 20% coinsurance for DME, prosthetics, medical supplies, and diabetic therapeutic shoes, while diabetic supplies are covered with no copay.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC FL-0025 (PPO) with prior authorization required. Diagnostic tests require a $50 copay and no coinsurance, lab and diagnostic radiological services have no copay, and outpatient X-rays require a $30 copay plus coinsurance while therapeutic radiology has a minimum 20% coinsurance.
Home Health Services See details
The AARP Medicare Advantage from UHC FL-0025 (PPO) plan covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC FL-0025 (PPO) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage from UHC FL-0025 (PPO) plan covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC FL-0025 (PPO) partially covers other services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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