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AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx HI-MA01 (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 Patriot No Rx HI-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Honolulu, Kauai, and Maui Counties. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx HI-MA01 (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 Patriot No Rx HI-MA01 (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 $40.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) plan provides affordable coverage for essential medical needs, offering no copay and no coinsurance for primary care, telehealth, and preventive services. Emergency room visits require a $130 copay, which is waived if you are admitted, while worldwide emergency services feature no copay. Inpatient hospital stays require a $550 daily copay for the first four days and no copay thereafter, while outpatient hospital services range from no copay up to a $550 copay. This plan also includes coverage for routine dental, vision, and hearing exams with no copay or coinsurance, though comprehensive dental services are not covered. Prescription hearing aids and eyewear are partially covered with specific copays or allowance limits, while home health services are available with no copay. Additionally, durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
Inpatient hospital services are partially covered by the AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) with no coinsurance, requiring a $550 daily copay for days 1 through 4 and no copay for days 5 through 90. While unlimited additional acute hospital days are covered at no copay, additional psychiatric days, non-Medicare-covered stays, and room upgrades are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services. Outpatient hospital copays range from $0 to $550, and outpatient substance abuse services have copays between $0 and $25, with prior authorization required for most of these covered services.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) covers Medicare-covered ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Routine transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay 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 provided with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) provides primary care and telehealth visits with no copay and no coinsurance, while specialist, therapy, and mental health services are covered with no coinsurance and copays ranging from $0 to $60. Chiropractic benefits are partially covered, offering up to 12 routine visits per year for a $10 copay with no coinsurance, while other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) with no copay and no coinsurance for covered services, including annual physical exams, kidney disease education, glaucoma screenings, and fitness benefits. Supplemental preventive services that are not covered include health education, weight management programs, nutritional benefits, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) partially covers hearing services, providing one annual routine exam with no copay or coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a $199.00 to $1,249.00 copay and no coinsurance, but inner ear, outer ear, and over the ear models are not covered. Up to two OTC hearing aids are covered annually with a $199.00 to $829.00 copay and no coinsurance.
Vision Services See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) partially covers Vision Services, offering one annual routine eye exam and contact lenses or frames with no copay and no coinsurance. Eyewear has a combined $150 limit every two years with eyeglass lenses requiring a $0 to $153 copay and no coinsurance, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) plan, featuring Medicare-covered dental services with no copay and a 20% coinsurance. Preventive care including oral exams, cleanings, fluoride, and x-rays is available with no copay and no coinsurance, but comprehensive services like restorative, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other Part B drugs require between no coinsurance and 20% coinsurance, while Part B insulin drugs have a $35 copay and up to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (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 require a 20% coinsurance, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) plan, with prior authorization required. Diagnostic tests require a $50 copay with no coinsurance, lab and diagnostic radiological services have no copay and no coinsurance, and outpatient x-rays require a $30 copay plus coinsurance. Therapeutic radiological services require both a copay and a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage Patriot No Rx HI-MA01 (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 Patriot No Rx HI-MA01 (PPO) plan because none of the specific rehabilitation sub-services are covered in practice.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage Patriot No Rx HI-MA01 (PPO) with no coinsurance, requiring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required and a prior three-day hospital stay is not needed, though additional days beyond the standard 100 Medicare-covered days are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx HI-MA01 (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, no coinsurance, and prior authorization required. Over-the-counter (OTC) items are not covered under this plan.
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