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AARP Medicare Advantage from UHC IN-001P (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-001P (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 IN-001P (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-001P (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Indiana. 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 IN-001P (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 IN-001P (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 IN-001P (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 $440.00 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 $6300.00 (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 $6300.00 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 IN-001P (PPO) plan features an annual drug deductible of $440. You can save on Tier 1 preferred generic drugs, which have no copay for standard pharmacy fills and three-month mail orders. Tier 2 generic medications cost an $8 copay for a one-month supply at standard pharmacies, but you can receive a three-month supply with no copay through preferred mail order. For brand-name and specialty medications, costs transition to a percentage of the drug cost. Tier 3 preferred brand drugs require a 20% coinsurance for both one-month and three-month supplies. Tier 4 non-preferred drugs carry a 39% coinsurance, while Tier 5 specialty drugs require a 28% coinsurance for a one-month supply across standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC IN-001P (PPO) plan offers comprehensive medical coverage with no coinsurance for many core services. Beneficiaries enjoy no copay for primary care doctor visits, telehealth, and annual physicals, while specialist visits carry a copay of $0 to $45. Inpatient hospital stays require a $375 daily copay for days 1 through 6 and no copay for days 7 through 90, while emergency room visits have a $150 copay. For extra benefits, the plan provides preventive dental care with no copay up to a $1,250 annual limit, though comprehensive services require a 50% coinsurance. Routine vision and hearing exams have no copay, with prescription hearing aids requiring a copay of $199.00 to $1,249.00 and eyewear covered up to $300 every two years. Home health care and diagnostic lab work feature no copay, while medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IN-001P (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $375 daily copay for days 1 through 6 and no copay for days 7 through 90 for both acute and psychiatric stays. While unlimited additional acute hospital days are covered with no copay, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC IN-001P (PPO) with no coinsurance, although prior authorization is required. Outpatient hospital services carry a copay of $0.00 to $375.00 (with observation services at $375.00 per day), outpatient substance abuse sessions have a copay of $0.00 to $25.00, and ambulatory surgical center and blood services feature no copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IN-001P (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered under AARP Medicare Advantage from UHC IN-001P (PPO), which features a $140 copay and no coinsurance for both ground and air ambulance services. Transportation services, including trips to plan-approved or any health-related locations, are not covered.
Emergency Services See details
Emergency Services under the AARP Medicare Advantage from UHC IN-001P (PPO) plan are covered with a $150 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay of $0 to $65 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits offered by the AARP Medicare Advantage from UHC IN-001P (PPO) plan feature no coinsurance for all services, with no copay for primary care provider visits, telehealth, and opioid treatment. Specialist and other health professional visits range from a $0 to $45 copay, therapy services require a $20 copay, and mental health individual sessions range from a $0 to $25 copay. For chiropractic care, some services are covered but routine chiropractic care and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage from UHC IN-001P (PPO) plan with no copay and no coinsurance for covered services like annual physicals, kidney disease education, and fitness benefits. Sub-services that are not covered under this plan include 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/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home modifications, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IN-001P (PPO), excluding fitting and evaluation exams as well as inner ear, outer ear, and over-the-ear prescription hearing aids. Covered routine exams have no copay and no coinsurance, while prescription hearing aids require a $199.00 to $1,249.00 copay and over-the-counter (OTC) hearing aids require a $199.00 to $829.00 copay, both with no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC IN-001P (PPO), offering no deductible, no coinsurance, and no copay for annual routine eye exams and contact lenses. Eyeglass frames (no copay) and lenses (copay of $0 to $153) are covered with a combined $300 maximum limit every two years, though other eye exams and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC IN-001P (PPO) partially covers dental services up to a $1,250 annual limit, though implants and orthodontics are not covered. Preventive services feature no copay and no coinsurance, while Medicare-covered services carry a 20% coinsurance and comprehensive services carry a 50% coinsurance, both with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC IN-001P (PPO) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Covered Medicare Part B drugs, including chemotherapy and radiation drugs, have no coinsurance to 20% coinsurance, while Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC IN-001P (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC IN-001P (PPO) covers medical equipment, including durable medical equipment, prosthetics, and medical supplies, which generally require a 20% coinsurance and no copay. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC IN-001P (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Under this plan, there is no copay for lab services and diagnostic radiological services, a $5 copay for diagnostic procedures and outpatient X-rays, and a minimum $20 copay for therapeutic radiological services.
Home Health Services See details
The AARP Medicare Advantage from UHC IN-001P (PPO) plan covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered with no copay and no coinsurance under the AARP Medicare Advantage from UHC IN-001P (PPO) plan, subject to prior authorization. Although the plan indicates some services are covered, specific benefits including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC IN-001P (PPO) 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 and a $218 daily copay for days 21 through 100, though additional days beyond the standard 100 days are not covered.
Other Services See details
AARP Medicare Advantage from UHC IN-001P (PPO) partially covers other services, which includes a meal benefit for chronic illness 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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