A non-government entity
AARP Medicare Advantage from UHC ST-0001 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC ST-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 ST-0001 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ST-0001 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Illinois and Missouri. 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 ST-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 ST-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 ST-0001 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $53.00. 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 $6900.00 (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 $6900.00 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 ST-0001 (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 ST-0001 (PPO) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies and mail-order services. Tier 2 generic drugs have a $5 copay for a 1-month standard pharmacy supply, while a 3-month supply is available with no copay through preferred mail order or a $15 copay at standard pharmacies and standard mail order. For brand name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require an 18% coinsurance for 1-month and 3-month supplies, whereas Tier 4 non-preferred drugs carry a 42% coinsurance for a 1-month supply. Tier 5 specialty drugs require a 27% coinsurance for a 1-month supply across standard pharmacies and mail-order services.
Additional Benefits
The AARP Medicare Advantage from UHC ST-0001 (PPO) plan offers comprehensive medical coverage featuring no copays and no coinsurance for primary care visits, telehealth, home health, and preventive care. For hospital stays, there is no coinsurance, though patients will pay a daily copay of $395 for the first six days of acute inpatient care. Emergency room visits carry a $130 copay, while worldwide emergency and urgent care services are fully covered with no copay and no coinsurance. Specialty benefits are highly accessible, with routine vision and hearing exams requiring no copay, alongside dental coverage up to $1,500 annually that features no copay for preventive services. Prescription hearing aids, eyewear, and durable medical equipment are covered with predictable copays or a 20% coinsurance. Additionally, members benefit from helpful extra perks like over-the-counter items and chronic illness meals at no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC ST-0001 (PPO) covers inpatient hospital services with no coinsurance, requiring a $395 daily copay for days 1-6 of acute stays and days 1-5 of psychiatric stays, with no copay for subsequent covered days. Unlimited additional acute days are covered at no copay, but room upgrades, non-Medicare-covered stays, and psychiatric stays beyond 90 days are not covered.
Outpatient Services See details
Outpatient services covered by AARP Medicare Advantage from UHC ST-0001 (PPO) feature no coinsurance, including ambulatory surgical center and blood services at no copay. Outpatient hospital services require a copay of up to $395, observation services carry a $395 daily copay, and outpatient substance abuse sessions range from no copay to a $25 copay.
Partial Hospitalization See details
AARP Medicare Advantage from UHC ST-0001 (PPO) covers partial hospitalization 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 ST-0001 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, though prior authorization is required. While some transportation services are covered under this plan, transportation to plan-approved health-related locations and any other health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC ST-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 require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC ST-0001 (PPO) covers primary care and telehealth visits with no copay and no coinsurance, while specialist and therapy services require copays between $0 and $45 with no coinsurance. Psychiatric, mental health, and podiatry services are also covered with no coinsurance and copays up to $45, though chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC ST-0001 (PPO) partially covers preventive services, offering no copay and no coinsurance for covered benefits like annual physical exams, fitness benefits, safety devices, and screenings. However, several supplemental benefits, including health education, weight management programs, nutritional benefits, and in-home support, are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC ST-0001 (PPO) partially covers hearing services, offering one annual routine hearing exam with no copay and no coinsurance, while fitting and evaluation exams are not covered. Up to two prescription hearing aids are covered yearly with a copay of $199.00 to $1,249.00 and no coinsurance, though inner, outer, and over-the-ear types are not covered. Up to two OTC hearing aids are also covered annually with a copay of $199.00 to $829.00 and no coinsurance.
Vision Services See details
AARP Medicare Advantage from UHC ST-0001 (PPO) vision services are partially covered, offering one routine eye exam annually with no copay and no coinsurance. Covered eyewear has no coinsurance and includes contact lenses and frames with no copay, plus lenses with a $0 to $153 copay, up to a $250 combined limit every two years; however, upgrades, other eye exams, and combined eyeglasses packages are not covered.
Dental Services See details
AARP Medicare Advantage from UHC ST-0001 (PPO) offers partially covered dental services up to a $1,500 annual limit, though implant services and orthodontics are not covered. Preventive and diagnostic services have no copay and no coinsurance, while Medicare-covered dental services require a 20% coinsurance with no copay, and other covered services like restorative and endodontics require a 50% coinsurance with no copay.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC ST-0001 (PPO) covers Home Infusion bundled Services with no copay, though prior authorization and step therapy are required. Under this benefit, covered Part B chemotherapy, radiation, and other Part B drugs have a 0% to 20% coinsurance, while insulin carries a $35 copay and a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC ST-0001 (PPO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC ST-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 require a 20% coinsurance, with prior authorization required for these medical equipment benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC ST-0001 (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 radiology, a $5 copay for diagnostic procedures, a $25 copay for outpatient X-rays, and a minimum $60 copay for therapeutic radiology services.
Home Health Services See details
AARP Medicare Advantage from UHC ST-0001 (PPO) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC ST-0001 (PPO) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though only some services are covered as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC ST-0001 (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC ST-0001 (PPO) partially covers other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, though prior authorization is required for meals. Acupuncture is not covered under this benefit.
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