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AARP Medicare Advantage from UHC IN-0003 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-0003 (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-0003 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-0003 (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-0003 (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-0003 (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-0003 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $33.00. 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 $5400.00 (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 $5400.00 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-0003 (PPO) plan features an annual drug deductible of $520. For Tier 1 preferred generic and Tier 2 generic medications, members pay no copay for 1-month or 3-month supplies at standard pharmacies, as well as no copay for 3-month standard mail order deliveries. This makes standard generic drugs highly accessible and affordable. For brand-name and specialized medications, costs are based on coinsurance percentages. 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 1-month supplies.
Additional Benefits
The AARP Medicare Advantage from UHC IN-0003 (PPO) plan offers comprehensive medical coverage with no copays for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $420 daily copay for the first five days and no copay for days six through 90. Emergency room visits require a $130 copay, which is waived if admitted, while specialist visits feature a copay of up to $45. This plan also includes valuable dental, vision, and hearing benefits to help reduce out-of-pocket expenses. Preventive dental services and annual routine eye and hearing exams are available with no copay, alongside a $300 allowance every two years for eyewear and coverage for prescription hearing aids. Additionally, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IN-0003 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring prior authorization. You pay a $420 daily copay for days 1-5 and no copay for days 6-90 (including unlimited additional acute days at no copay), though non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IN-0003 (PPO) covers outpatient services with no coinsurance, including no copays for ambulatory surgical center and blood services. Outpatient hospital and observation services have copays ranging from $0 to $420, while outpatient substance abuse sessions carry copays up to $25.
Partial Hospitalization See details
Partial hospitalization is covered under the AARP Medicare Advantage from UHC IN-0003 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC IN-0003 (PPO) covers ground and air ambulance services with a $150 copay and no coinsurance, subject to prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC IN-0003 (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 require a copay of $0 to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC IN-0003 (PPO) covers primary care physician and telehealth visits with no copay and no coinsurance. Specialist visits carry a $0 to $45 copay, physical therapy costs a $20 copay, and mental health services range from a $0 to $25 copay, all with no coinsurance, though routine chiropractic care is not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC IN-0003 (PPO) with no copay and no coinsurance for covered services such as annual physical exams, kidney disease education, and a fitness benefit. However, several supplemental benefits, including health education, in-home safety assessments, and personal emergency response systems, are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IN-0003 (PPO), featuring one routine hearing exam annually with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids with copays of $199.00 to $1,249.00 and two OTC hearing aids with copays of $199.00 to $829.00 are covered yearly with no coinsurance, but inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC IN-0003 (PPO) partially covers vision services with no coinsurance, offering one routine eye exam per year and contact lenses with no copay. Covered eyeglass frames (no copay) and lenses ($0 to $153 copay) have a combined $300 limit every two years, while 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 IN-0003 (PPO), with the exception of implant services and orthodontics which are not covered. Preventive dental care is available with no copay and no coinsurance up to a $1,500 annual limit, while comprehensive services require no copay and 50% coinsurance, and Medicare-covered dental has no copay and 20% coinsurance.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC IN-0003 (PPO) with no copay and no coinsurance, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no copay and range from no coinsurance to 20% coinsurance, while covered insulin drugs require a $35 copay and range from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC IN-0003 (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by the AARP Medicare Advantage from UHC IN-0003 (PPO) plan with prior authorization required, offering no copay and 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.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC IN-0003 (PPO) with no coinsurance, though prior authorization is required. Under this benefit, lab services and diagnostic radiology services have no copay, outpatient X-rays and diagnostic tests require a $5 copay, and therapeutic radiology services have a minimum copay of $30.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC IN-0003 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC IN-0003 (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.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by the AARP Medicare Advantage from UHC IN-0003 (PPO) plan with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required for admission, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC IN-0003 (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 benefit.
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