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AARP Medicare Advantage from UHC HI-0001 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC HI-0001 (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 HI-0001 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC HI-0001 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Honolulu County. 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 HI-0001 (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 HI-0001 (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 HI-0001 (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 $495.00 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 HI-0001 (PPO) plan features an annual drug deductible of $495. For Tier 1 preferred generic drugs, you will pay no copay at standard pharmacies or through mail order. Tier 2 generic drugs have a $12 copay for a one-month supply at standard pharmacies, though you can enjoy no copay for a three-month supply when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 22% coinsurance, while Tier 4 non-preferred drugs carry a 26% coinsurance for a one-month supply. Tier 5 specialty drugs require a 27% coinsurance for a one-month supply at standard pharmacies and through mail order.
Additional Benefits
The AARP Medicare Advantage from UHC HI-0001 (PPO) plan offers comprehensive medical coverage with no copays or coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a daily copay of $550 for the first four days and no copay for days five through 90, with no coinsurance required. Emergency room visits carry a $130 copay, which is waived if admitted, while worldwide emergency coverage features no copay and no coinsurance. Routine dental cleanings, annual eye exams, and yearly routine hearing tests are covered with no copay or coinsurance, though prescription eyewear and hearing aids require varying copays. Diagnostic lab work and radiological services also feature no copay, while durable medical equipment and dialysis services require a twenty percent coinsurance with no copay. Notably, this plan does not cover cardiac rehabilitation, non-emergency transportation, or over-the-counter items.
Inpatient Hospital See details
AARP Medicare Advantage from UHC HI-0001 (PPO) partially covers inpatient hospital services with no coinsurance, requiring a $550 copay per day for days 1 to 4 and no copay for days 5 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
Outpatient services covered by AARP Medicare Advantage from UHC HI-0001 (PPO) feature no coinsurance across all categories, including no copay for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $550, with observation services carrying a $550 daily copay, while outpatient substance abuse services require a copay of $0 to $25 for individual sessions and $15 for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC HI-0001 (PPO) covers partial hospitalization services with a $55 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC HI-0001 (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. Non-emergency transportation services to health-related locations are not covered by this plan.
Emergency Services See details
AARP Medicare Advantage from UHC HI-0001 (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 have a copay ranging from $0 to $50 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 HI-0001 (PPO) feature no copay and no coinsurance for primary care provider visits and telehealth services. Other covered services, including specialists, physical therapy, and mental health, require copays ranging from $0 to $60 with no coinsurance, while chiropractic care is only partially covered because other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC HI-0001 (PPO) covers annual physical exams, kidney disease education, select screenings, and fitness benefits with no copay and no coinsurance. This benefit is partially covered, as supplemental services such as health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC HI-0001 (PPO), which offers one routine hearing exam per year with no copay and no coinsurance, though hearing aid fittings and evaluations are not covered. Prescription hearing aids are covered up to two per year with no coinsurance and copays ranging from $199.00 to $1,249.00, but inner ear, outer ear, and over the ear types are not covered. Up to two OTC hearing aids are covered per year with no coinsurance and copays between $199.00 and $829.00.
Vision Services See details
AARP Medicare Advantage from UHC HI-0001 (PPO) offers partially covered vision services with no deductibles, featuring no copay and no coinsurance for annual routine eye exams and contact lenses. Eyeglass frames and lenses are covered with no coinsurance and copays ranging from $0 to $153 up to a $200 combined limit every two years, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC HI-0001 (PPO), offering preventive care such as exams, cleanings, fluoride, and x-rays with no copay and no coinsurance, while Medicare-covered dental has no copay and a 20% coinsurance. Restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered by this plan.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC HI-0001 (PPO) with no copay, though prior authorization and step therapy are required. Covered Medicare Part B drugs, including chemotherapy and insulin, carry no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage from UHC HI-0001 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC HI-0001 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage from UHC HI-0001 (PPO) plan, featuring no coinsurance for diagnostic services, no copay for lab services and diagnostic radiological services, and a $50 copay for diagnostic procedures. Outpatient x-rays require a $30 copay, therapeutic radiological services require a 20% coinsurance, and prior authorization is required.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC HI-0001 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC HI-0001 (PPO) plan, as all rehabilitation sub-services, including cardiac, intensive cardiac, pulmonary, and SET for 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 HI-0001 (PPO) with no coinsurance, offering no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. The benefit is partially covered because additional days beyond the standard 100 days are not covered, though prior authorization is required and a prior three-day inpatient hospital stay is not.
Other Services See details
AARP Medicare Advantage from UHC HI-0001 (PPO) partially covers other services, offering acupuncture with a $10 copay and no coinsurance for up to 12 treatments yearly, and chronic illness meal benefits with no copay and no coinsurance, subject to prior authorization. Over-the-counter (OTC) items are not covered under this plan.
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