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AARP Medicare Advantage from UHC HI-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC HI-0002 (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-0002 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC HI-0002 (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 2025.
It's important to know that AARP Medicare Advantage from UHC HI-0002 (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-0002 (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-0002 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $49.00. 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 $340.00 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-0002 (PPO) plan has an enhanced alternative drug benefit. The plan has a deductible of $340.00. After the deductible, you will pay a copay for your prescriptions depending on the drug tier and pharmacy. For example, you will pay a $12.00 copay for a preferred generic drug at a standard pharmacy. The plan also has a catastrophic coverage phase where you pay nothing for covered drugs after your yearly out-of-pocket drug costs reach $2000.00.
Additional Benefits
The AARP Medicare Advantage from UHC HI-0002 (PPO) plan offers comprehensive coverage, including inpatient and outpatient hospital services with varying copays. Emergency services have a $90 copay, while primary care and preventive services have no copay. This plan also provides benefits for hearing, vision, and dental services, with no copays for eye exams and a $1,000 annual maximum for dental. Additional benefits include coverage for ambulance, home health, and skilled nursing facility services, along with a range of therapies and diagnostic services.
Inpatient Hospital See details
Inpatient Hospital benefits, including acute and psychiatric care, are covered. For Inpatient Hospital-Acute, you will pay a $300 copay for days 1-5, and no copay for days 6-90, while additional days (91-999) have no copay. Inpatient Hospital Psychiatric care has a $300 copay for days 1-5, and no copay for days 6-90; additional days are not covered. Non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay between $0 and $300, observation services with a $300 copay, and Ambulatory Surgical Center (ASC) services with no copay. Outpatient substance abuse services are covered with a copay between $0 and $25 for individual sessions, and a $15 copay for group sessions. Outpatient blood services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization. The copay for this service is $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage from UHC HI-0002 (PPO) plan. Ground and air ambulance services have a $125 copay with no coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including urgently needed services and worldwide emergency services, are covered by the AARP Medicare Advantage from UHC HI-0002 (PPO) plan. Emergency services have a $90 copay, while urgently needed services have a $0-$35 copay, and worldwide emergency services have a $0 copay for worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation.
Primary Care See details
Primary Care Physician Services are covered with no copay, while Chiropractic Services have a $10 copay. Occupational Therapy Services have a copay between $0 and $20, and Physician Specialist Services have a copay between $0 and $30. Mental Health Specialty Services, including Individual and Group Sessions, have a copay between $0 and $25, and between $15 and $15, respectively. Podiatry Services and Routine Foot Care have a $30 copay. Other Health Care Professional, Psychiatric Services, and Opioid Treatment Program Services have no copay. Physical Therapy and Speech-Language Pathology Services have a copay between $0 and $20, and Additional Telehealth Benefits have no copay.
Preventive Services See details
Preventive Services include coverage for Medicare-covered services with no copay, an annual physical exam with no copay, and additional preventive services. Additional services like Health Education, In-Home Safety Assessment, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay, routine hearing exams are covered once per year with no copay, and fitting/evaluation for hearing aids are not covered. Prescription hearing aids are covered with a copay between $199 and $1249 for all types, but inner ear, outer ear, and over-the-ear hearing aids are not covered. OTC hearing aids are covered with a copay between $99 and $829.
Vision Services See details
Vision Services include coverage for eye exams and eyewear. Eye exams have no copay, and routine eye exams are covered once per year. Eyewear includes contact lenses, eyeglass lenses, and eyeglass frames with a combined maximum of $300 every two years, and no copay. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental services are covered, with a $1,000 maximum plan benefit coverage per year for both in-network and out-of-network services. Medicare dental services have a 20% coinsurance, while oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, and oral and maxillofacial surgery have no copay. Prosthodontics (removable and fixed) have a coinsurance between 0% and 50%. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and require prior authorization. For Medicare Part B Insulin Drugs, there is a $35 copay and a coinsurance between 0% and 20%. For Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs, there is a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC HI-0002 (PPO) plan, but require prior authorization. The coinsurance for Dialysis Services is 20%.
Medical Equipment See details
The AARP Medicare Advantage from UHC HI-0002 (PPO) plan covers Durable Medical Equipment (DME) with a 20% coinsurance and requires prior authorization, and Prosthetics/Medical Supplies with a 20% coinsurance. Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests with a $25 copay, and lab services with no copay. Radiological services are also covered, with copays for diagnostic services (maximum $50) and outpatient X-ray services ($15), and coinsurance of up to 20% for therapeutic services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC HI-0002 (PPO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover any of the listed sub-services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC HI-0002 (PPO), but require prior authorization. You will have no copay for days 1-20, and a $203 copay for days 21-100.
Other Services See details
Other Services include acupuncture, which has a $10 copay for up to 12 treatments per year, and a meal benefit with no copay, but the plan does not cover over-the-counter items, dual eligible SNPs with highly integrated services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, or Self-Directed Personal Assistance Services.
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