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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 2026, 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 2026.
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 $59.00. 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 $600.00 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 features an annual drug deductible of $600. For Tier 1 preferred generic drugs, you will pay no copay for standard pharmacy and mail-order prescriptions. Tier 2 generic medications carry a $12 copay for a one-month standard pharmacy supply, though you can save with no copay on a three-month supply through preferred mail order. For brand-name and specialty medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require 17% coinsurance for standard pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 31% coinsurance, while Tier 5 specialty drugs require a 26% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC HI-0002 (PPO) plan offers robust coverage with no copay for primary care, telehealth visits, and preventive services. For inpatient hospital stays, members pay a $450 daily copay for the first five days and no copay for days six through 90, while outpatient hospital services feature copays ranging from no copay up to $450. Emergency care is available with a $130 copay, which is waived upon admission, and urgent care visits carry a copay of up to $50. This plan also includes key supplemental benefits, such as routine dental care and annual vision and hearing exams with no copay. Additionally, members can access a $300 eyewear allowance every two years and hearing aids with copays ranging from $199 to $1,249. Diagnostic lab services, home health, and the first 20 days of skilled nursing facility care require no copay, while durable medical equipment and dialysis services carry a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC HI-0002 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $450 daily copay for days 1 through 5 and no copay for days 6 through 90. Unlimited additional acute hospital days are covered with no copay, while additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC HI-0002 (PPO) covers outpatient services with no coinsurance, featuring a $0 to $450 copay for outpatient hospital services and a $450 daily copay for observation services. Ambulatory surgical and blood services are available with no copay and no coinsurance, while outpatient substance abuse sessions carry a copay of $0 to $25 for individual visits and $15 for group visits.
Partial Hospitalization See details
AARP Medicare Advantage from UHC HI-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the AARP Medicare Advantage from UHC HI-0002 (PPO) plan, with ground and air ambulance services requiring prior authorization and carrying a $275 copay and no coinsurance. While some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC HI-0002 (PPO) covers emergency services with a $130 copay, which is waived if admitted to the hospital within 24 hours, and no coinsurance. Urgently needed services have a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
Primary care benefits under AARP Medicare Advantage from UHC HI-0002 (PPO) are covered with no coinsurance, featuring no copay for primary care provider and telehealth visits, and copays ranging from $0 to $50 for specialists, mental health, and therapy services. Chiropractic services are partially covered, offering a $10 copay for routine care up to 12 visits per year, while other chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC HI-0002 (PPO) covers preventive services, including annual physical exams, kidney disease education, diabetes self-management training, and a fitness benefit, with no copay and no coinsurance. However, the benefit is only partially covered, as sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs for hair loss, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, caregiver support, additional smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety devices, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC HI-0002 (PPO) partially covers hearing services, offering one annual routine exam with no copay and no coinsurance, and up to two prescription or OTC hearing aids per year with no coinsurance and copays ranging from $199.00 to $1,249.00. Hearing aid fitting and evaluations, along with inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
AARP Medicare Advantage from UHC HI-0002 (PPO) provides partially covered vision services with no deductibles and no coinsurance, including no copay for one routine yearly eye exam, though other eye exam services are not covered. Eyewear is also partially covered with a $300 combined maximum benefit every two years, featuring no copay for contact lenses and eyeglass frames, and a $0 to $153 copay for lenses, while 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-0002 (PPO), offering preventive care with no copay and no coinsurance up to a $1,000 annual limit. Medicare-covered dental services require no copay and a 20% coinsurance, while covered comprehensive services have no copay and a 50% coinsurance, though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC HI-0002 (PPO) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Associated Medicare Part B drugs, including chemotherapy, radiation, and other drugs, carry a 0% to 20% coinsurance, while covered insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC HI-0002 (PPO) with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC HI-0002 (PPO) covers medical equipment, including durable medical equipment (DME) and prosthetics, with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay from specified manufacturers, while diabetic therapeutic shoes or inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC HI-0002 (PPO) with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiology, while diagnostic tests require a $5 copay, outpatient X-rays require a $30 copay, and therapeutic radiological services require a $60 copay.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC HI-0002 (PPO) with no copay and no coinsurance. Prior authorization is required to access these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC HI-0002 (PPO) plan. Although the plan specifies no coinsurance, all individual sub-services, including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) rehabilitation, are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC HI-0002 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day hospital stay requirement. There is no copay for days 1 through 20 and a $218 copay for days 21 through 100, though prior authorization is required and additional days beyond the standard Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC HI-0002 (PPO) partially covers other services, featuring acupuncture with a $10 copay and no coinsurance for up to 12 treatments per year, and a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Over-the-counter (OTC) items are not covered under this plan.
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