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AARP Medicare Advantage from UHC ID-0001 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC ID-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 ID-0001 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ID-0001 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Ada and Canyon Counties. 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 ID-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 ID-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 ID-0001 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $44.00. 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 $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 ID-0001 (PPO) prescription drug plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, there is no copay for 1-month and 3-month standard pharmacy fills or 3-month mail orders. Tier 2 generic drugs cost an $8.00 copay for a 1-month standard pharmacy supply, while a 3-month preferred mail order offers savings with no copay. For higher-tier medications, Tier 3 preferred brand drugs require a 17% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 39% coinsurance, and Tier 5 specialty tier drugs require a 27% coinsurance for a 1-month supply. These percentage-based coinsurances and copays define your out-of-pocket prescription costs under this Medicare Advantage plan.
Additional Benefits
The AARP Medicare Advantage from UHC ID-0001 (PPO) plan offers affordable healthcare coverage with no copay and no coinsurance for primary care visits, telehealth, and routine preventive services. For specialized medical care, members will pay a $0 to $45 copay for specialist visits, while inpatient hospital stays require a $350 daily copay for the first five days and no copay thereafter. Outpatient hospital services and emergency room visits are also highly accessible, featuring copays ranging up to $350 and no coinsurance. Routine dental, vision, and hearing exams are covered with no copay, though certain advanced treatments and devices may require copayments or a 20% coinsurance. Durable medical equipment, dialysis services, and Medicare-covered dental treatments carry a 20% coinsurance with no copay. Additionally, the plan provides convenient home health care, lab services, and cardiac rehabilitation with no copay and no coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC ID-0001 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $350 daily copay for days 1 through 5 and no copay for days 6 and beyond. Prior authorization is required, and specific services such as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services covered by AARP Medicare Advantage from UHC ID-0001 (PPO) require no coinsurance, with outpatient hospital copays ranging from $0 to $350 and observation services costing a $350 daily copay. Ambulatory surgical center and outpatient blood services feature no copay and no coinsurance, while outpatient substance abuse sessions carry a $0 to $25 copay with no coinsurance, though prior authorization is required for most services.
Partial Hospitalization See details
Partial hospitalization services are covered by AARP Medicare Advantage from UHC ID-0001 (PPO) with a $55.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC ID-0001 (PPO) covers ground and air ambulance services with a $150 copay and no coinsurance. Some transportation services are covered, but transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC ID-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
AARP Medicare Advantage from UHC ID-0001 (PPO) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $45 copay and no coinsurance. Therapy, mental health, and podiatry services are covered with copays ranging from $0 to $35 and no coinsurance, and while some chiropractic services are covered with a $15 copay and no coinsurance, routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC ID-0001 (PPO) with no copay and no coinsurance for covered services like annual physical exams, kidney disease education, and fitness benefits. However, several additional preventive benefits are not covered, including health education, weight management programs, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC ID-0001 (PPO) with no deductible and no coinsurance. Routine exams have no copay, but fitting and evaluation services, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered. Covered prescription hearing aids require a $199.00 to $1,249.00 copay and OTC hearing aids require a $199.00 to $829.00 copay, with no coinsurance for either.
Vision Services See details
AARP Medicare Advantage from UHC ID-0001 (PPO) partially covers vision services with no coinsurance, offering one annual routine eye exam with no copay, though other eye exam services are not covered. Covered eyewear features no coinsurance and a $200 combined limit every two years, providing contact lenses and frames with no copay, and eyeglass lenses with a $0 to $153 copay, while upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental Services are partially covered by the AARP Medicare Advantage from UHC ID-0001 (PPO) plan, featuring no copay and no coinsurance for preventive care such as exams, cleanings, fluoride, and x-rays. Medicare-covered dental services require no copay and a 20% coinsurance, while comprehensive treatments like restorative, endodontics, periodontics, prosthodontics, implants, and oral surgery are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC ID-0001 (PPO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Associated Part B chemotherapy and other drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC ID-0001 (PPO) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC ID-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 are covered with a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC ID-0001 (PPO) with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiological services, a $5 copay for outpatient X-rays and diagnostic procedures, and a minimum $20 copay for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC ID-0001 (PPO) plan 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 ID-0001 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, specific sub-services including 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) services are partially covered by AARP Medicare Advantage from UHC ID-0001 (PPO) with no coinsurance, as additional days beyond the standard Medicare-covered limit are not covered. Covered stays require prior authorization but no prior three-day hospital stay, featuring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100.
Other Services See details
AARP Medicare Advantage from UHC ID-0001 (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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