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AARP Medicare Advantage from UHC FL-0027 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC FL-0027 (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-0027 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC FL-0027 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in DeSoto, Hardee, and Highlands 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-0027 (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-0027 (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-0027 (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. Additionally, this plan comes with a Part B Premium reduction of $6.00. You must continue to pay paying your reduced 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-0027 (PPO) plan has a $420 deductible for prescription drugs. After you meet your deductible, you will pay a copay or coinsurance for your prescriptions. For Tier 1 drugs at a standard pharmacy, there is no copay. For Tier 2 drugs, the copay is $47. For Tier 3 drugs, the copay is $100. For non-preferred drugs, you will pay 28% coinsurance.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0027 (PPO) plan offers a range of benefits. It covers inpatient hospital stays with a $280 copay for days 1-4, and no copay for days 5-90. Outpatient services, primary care, preventive services, and home health services are covered with no copay. The plan includes coverage for emergency services, hearing, vision, and dental. Emergency services have a $125 copay, and hearing exams have no copay. Vision services, including eye exams and eyewear, are covered with no copay, up to a combined maximum of $300 every two years. Dental services include no copay for many services, and a 20% coinsurance for Medicare Dental Services.
Inpatient Hospital See details
Inpatient Hospital coverage includes a $280 copay for days 1-4, and no copay for days 5-90 for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. Additional Days for Inpatient Hospital-Acute has no copay for days 91-999. Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered, including all outpatient hospital services, ambulatory surgical center (ASC) services, outpatient substance abuse services, and outpatient blood services. Outpatient hospital services have a copay between $0 and $280, while observation services have a $280 copay, and ASC services and outpatient blood services have no copay. Individual outpatient substance abuse sessions have a copay between $0 and $25, and group sessions have a $15 copay.
Partial Hospitalization See details
Partial Hospitalization is covered under this plan. You will pay a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC FL-0027 (PPO). Ground and Air Ambulance Services have a $290 copay, and there is 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. Emergency Services have a $125 copay, and Urgently Needed Services have a copay between $0 and $55. Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation all have no copay.
Primary Care See details
The AARP Medicare Advantage from UHC FL-0027 (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 $40, Physician Specialist Services with a copay between $0 and $30, and Mental Health Specialty Services with varying copays depending on the service. The plan also covers Podiatry Services with a $30 copay, Other Health Care Professional services with a copay between $0 and $30, Psychiatric Services with varying copays, and Physical Therapy and Speech-Language Pathology Services with a copay between $0 and $40. Additionally, Additional Telehealth Benefits and Opioid Treatment Program Services are covered with no copay.
Preventive Services See details
Preventive services include coverage for Medicare-covered zero dollar preventive services, annual physical exams with no copay, and additional preventive services with varying copays. Kidney disease education services, Glaucoma screenings, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit are covered with no copay. However, health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and several other services are not covered.
Hearing Services See details
Hearing services include hearing exams, prescription hearing aids, and over-the-counter (OTC) hearing aids. Hearing exams have no copay, while prescription hearing aids have a copay between $199 and $1249, and OTC hearing aids have a copay between $99 and $829.
Vision Services See details
The AARP Medicare Advantage from UHC FL-0027 (PPO) plan covers vision services, including eye exams with no copay, and eyewear with no copay, up to a combined maximum of $300 every two years for both in-network and out-of-network services. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC FL-0027 (PPO) covers dental services, with a 20% coinsurance for Medicare Dental Services. Other services like Oral Exams, Dental X-Rays, Other Diagnostic Dental Services, Prophylaxis (Cleaning), Fluoride Treatment, and Other Preventive Dental Services have no copay. Restorative Services, Adjunctive General Services, Endodontics, Periodontics, Maxillofacial Prosthetics, and Oral and Maxillofacial Surgery have no copay. Prosthodontics, removable, and Prosthodontics, fixed have a coinsurance between 0% and 50%. Orthodontic and Implant Services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, requiring prior authorization. Insulin has a $35 copay, with a coinsurance between 0% and 20% for Medicare Part B Insulin Drugs. Medicare Part B Chemotherapy/Radiation Drugs and 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-0027 (PPO) plan. The coinsurance for dialysis services is 20%.
Medical Equipment See details
The AARP Medicare Advantage from UHC FL-0027 (PPO) plan covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment. Durable Medical Equipment (DME) has a 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices have a 20% coinsurance, and Medical Supplies have a 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered, including diagnostic procedures/tests with a $25 copay, lab services with no copay, diagnostic radiological services with a copay of at most $200, therapeutic radiological services with a copay of at most $60, and outpatient X-ray services with a $5 copay. Prior authorization is required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC FL-0027 (PPO) plan with no copay and no coinsurance, however, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services. 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-0027 (PPO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $203 per day. Additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services include a meal benefit with no copay, but acupuncture, over-the-counter items, 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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