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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 2026, 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 2026.
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.
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-0027 (PPO) plan features an annual drug deductible of $600. Fortunately, members enjoy no copay for Tier 1 preferred generic and Tier 2 generic medications when using standard pharmacies or standard mail order services. This makes managing everyday prescriptions highly affordable and predictable. For higher-tier medications, cost-sharing is based on coinsurance rather than set copayments. You will pay an 18% coinsurance for Tier 3 preferred brand drugs, a 41% coinsurance for Tier 4 non-preferred drugs, and a 26% coinsurance for Tier 5 specialty medications. These coinsurance rates apply to standard pharmacy and standard mail order fills, ensuring transparent pricing for your advanced prescription needs.
Additional Benefits
The AARP Medicare Advantage from UHC FL-0027 (PPO) plan offers comprehensive medical coverage with no copays for primary care visits, preventive services, routine physicals, and annual eye and hearing exams. Specialist visits are highly affordable, ranging from no copay to a $40 copay, while emergency room visits carry a $130 copay that is waived if you are admitted. For inpatient hospital stays, members pay a $395 daily copay for days 1 through 5, with no copay for days 6 through 90. Diagnostic lab services, outpatient surgery, and home health services are covered with no copay, though other outpatient hospital services can range up to a $395 copay. Specialized needs like durable medical equipment, dialysis, and Medicare-covered dental services require a 20% coinsurance. Additionally, skilled nursing facility stays are covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
AARP Medicare Advantage from UHC FL-0027 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $395 daily copay for days 1 through 5 and no copay for days 6 through 90 per stay. Additional days for acute care are covered with no copay, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC FL-0027 (PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay ranging from no copay to $395 (including a $395 daily copay for observation services), while outpatient substance abuse sessions range from no copay to a $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC FL-0027 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the AARP Medicare Advantage from UHC FL-0027 (PPO) with a $180 copay and no coinsurance for both ground and air ambulance services, which require prior authorization. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC FL-0027 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services carry a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are available with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC FL-0027 (PPO) provides primary care physician and telehealth services with no copay and no coinsurance, while specialist visits range from a $0 to $40 copay with no coinsurance. Physical, occupational, and speech therapies require a $30 copay, and mental health, psychiatric, or podiatry services have copays ranging from $0 to $35 with no coinsurance, though chiropractic services are not covered and prior authorization is required for many specialty benefits.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC FL-0027 (PPO) with no copay and no coinsurance for annual physicals, kidney disease education, diabetes training, select screenings, and fitness benefits. However, this benefit is partially covered, as sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC FL-0027 (PPO) partially covers hearing services with no coinsurance, featuring one annual routine hearing exam with no copay. Prescription hearing aids are covered up to two per year with a $199.00 to $1,249.00 copay, and OTC hearing aids are covered up to two per year with a $199.00 to $829.00 copay. Fitting and evaluation services, alongside inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC FL-0027 (PPO) with no deductible, no coinsurance, and no copay for annual routine eye exams. Covered eyewear like contact lenses, eyeglass frames, and lenses (with a $0 to $153 copay) have no copay and a combined $300 limit every two years, though other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC FL-0027 (PPO), offering Medicare-covered dental with no copay and 20% coinsurance, and preventive services like exams, cleanings, and fluoride with no copay and no coinsurance. However, other diagnostic services, restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC FL-0027 (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and radiation, require up to 20% coinsurance, while covered Part B insulin has a $35 copay and up to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC FL-0027 (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage from UHC FL-0027 (PPO) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies from specified manufacturers are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC FL-0027 (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Diagnostic lab services and diagnostic radiology have no copay, outpatient X-rays and diagnostic tests cost a $5 copay, and therapeutic radiological services require a $60 copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC FL-0027 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC FL-0027 (PPO) does not cover Cardiac Rehabilitation Services in practice, as standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are all not covered. While the plan technically lists no coinsurance for this category, there is no coverage available for these specific rehabilitation services.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC FL-0027 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, but a prior three-day inpatient hospital stay is not required for admission.
Other Services See details
Other Services are partially covered by the AARP Medicare Advantage from UHC FL-0027 (PPO) plan, which offers a meal benefit for chronic illness with no copay and no coinsurance, though prior authorization is required. Acupuncture, over-the-counter (OTC) items, and other supplemental services are not covered.
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