A non-government entity
AARP Medicare Advantage from UHC IN-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-0002 (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-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-0002 (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-0002 (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-0002 (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-0002 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $32.00. 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 $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:
Sign up for AARP Medicare Advantage from UHC IN-0002 (PPO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC IN-0002 (PPO) plan features an annual drug deductible of $520. For Tier 1 preferred generic and Tier 2 generic medications, there is no copay for a 1-month or 3-month supply at a standard pharmacy, and no copay for a 3-month standard mail order. This plan provides excellent savings on common generic prescriptions to help keep your healthcare costs low. For higher-tier medications, costs are based on a percentage of the drug price during the initial coverage phase. Tier 3 preferred brand drugs require a 21% coinsurance for standard pharmacy and mail order fills. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 40% and 27% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC IN-0002 (PPO) plan provides affordable access to essential medical care, featuring no copays and no coinsurance for primary care visits, telehealth, and routine preventive exams. For inpatient hospital stays, members pay a $425 copay for days one through five and no copay for days six through ninety. Emergency services require a $150 copay, which is waived upon immediate admission, while urgent care visits range from no copay to a $65 copay. Routine dental, vision, and hearing exams are covered with no copays, and the plan provides a $300 eyewear allowance every two years. Diagnostic lab work and home health services also require no copays, while medical equipment, dialysis, and Medicare-covered dental services require a 20% coinsurance. This plan successfully minimizes out-of-pocket costs for routine wellness visits while offering structured cost-sharing for specialized treatments and hospital care.
Inpatient Hospital See details
Inpatient hospital services under the AARP Medicare Advantage from UHC IN-0002 (PPO) are covered with no coinsurance, requiring a $425 copay for days 1 through 5 and no copay for days 6 through 90. While unlimited additional acute care days are covered at no copay, additional psychiatric days, room upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IN-0002 (PPO) covers outpatient services with no coinsurance, though prior authorization is required for these benefits. Ambulatory surgical center and outpatient blood services feature no copay, while outpatient hospital services have a copay ranging from $0 to $425 and outpatient substance abuse services require copays of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IN-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC IN-0002 (PPO) covers ground and air ambulance services with a $120 copay and no coinsurance, though prior authorization is required. Some transportation services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC IN-0002 (PPO) covers emergency services with a $150 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services require a copay of $0 to $65 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary Care benefits under the AARP Medicare Advantage from UHC IN-0002 (PPO) feature no copays and no coinsurance for primary care visits and telehealth services. Specialist visits require a $0 to $40 copay, physical and occupational therapy require a $20 copay, and mental health services have a $0 to $25 copay, all with no coinsurance, while chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC IN-0002 (PPO) offers partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, fitness benefits, kidney education, and glaucoma screenings. 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, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, home/bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IN-0002 (PPO), featuring one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. The plan also covers up to two prescription hearing aids (copays of $199 to $1,249, no coinsurance) and up to two OTC hearing aids (copays of $199 to $829, no coinsurance) per year, though inner, outer, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC IN-0002 (PPO) with no coinsurance and no deductible. Covered benefits include one annual routine eye exam with no copay and eyewear up to a $300 limit every two years (no copay for contacts and frames, and a $0 to $153 copay for lenses), while other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC IN-0002 (PPO) offers partially covered dental services, with implant and orthodontic services not covered under the plan. Diagnostic and preventive care is available with no copay and no coinsurance up to a $1,500 annual maximum, while Medicare-covered dental services require no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC IN-0002 (PPO) with no copay, although prior authorization is required. Associated Medicare Part B chemotherapy, insulin, and other drugs carry no coinsurance to 20% coinsurance, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC IN-0002 (PPO) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered under the AARP Medicare Advantage from UHC IN-0002 (PPO) plan, with durable medical equipment, prosthetics, and medical supplies requiring no copay and a 20% coinsurance. Diabetic supplies are available with no copay, while diabetic therapeutic shoes and inserts are covered with a 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC IN-0002 (PPO) covers diagnostic and radiological services with no coinsurance, subject to prior authorization. Members will pay no copay for lab services, a $5 copay for outpatient X-rays and diagnostic procedures, a $0 minimum copay for diagnostic radiology, and a $10 minimum copay for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage from UHC IN-0002 (PPO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC IN-0002 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) are not covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC IN-0002 (PPO) with no coinsurance, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, a prior 3-day hospital stay is not required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC IN-0002 (PPO), which includes a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved