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AARP Medicare Advantage from UHC IN-0006 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-0006 (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 IN-0006 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-0006 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Indiana. 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 IN-0006 (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 IN-0006 (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 IN-0006 (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.
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 IN-0006 (PPO) plan has an annual drug deductible of $600. For Tier 1 preferred generic drugs, there is no copay for a 1-month or 3-month supply at standard pharmacies, or for a 3-month mail-order supply. Tier 2 generic drugs require an $8.00 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay through preferred mail order. Higher-tier medications are covered under coinsurance rather than flat copayments. Tier 3 preferred brand drugs require a 17% coinsurance for standard pharmacy and mail-order fills. For Tier 4 non-preferred drugs, there is a 41% coinsurance for a 1-month supply, while Tier 5 specialty drugs require a 26% coinsurance.
Additional Benefits
The AARP Medicare Advantage from UHC IN-0006 (PPO) plan offers robust coverage for core medical needs, including primary care and telehealth visits with no copay or coinsurance. For inpatient hospital stays, there is no coinsurance, though a daily copay of $425 applies for the first several days before transitioning to no copay. Emergency room visits require a $130 copay, while urgent care visits range from no copay to a $50 copay. This plan also features essential supplemental benefits, including annual physicals, routine vision exams, and preventive dental services with no copay or coinsurance. Specialized services like durable medical equipment and dialysis require a 20% coinsurance, while diagnostic lab services and home health care are available with no copay. Prescription hearing aids and eyewear frames are also covered with varying copays, helping to keep your out-of-pocket costs predictable.
Inpatient Hospital See details
Inpatient Hospital coverage under the AARP Medicare Advantage from UHC IN-0006 (PPO) features no coinsurance and requires prior authorization. For acute care, there is a $425 daily copay for days 1-7 and no copay for days 8 and beyond, while psychiatric stays require a $425 daily copay for days 1-5 and no copay for days 6-90. Non-Medicare-covered stays, room upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services under the AARP Medicare Advantage from UHC IN-0006 (PPO) are covered with no coinsurance, featuring no copay for ambulatory surgical center and blood services, and copays ranging from $0 to $425 for outpatient hospital and observation services. Outpatient substance abuse services also have no coinsurance, with copays of $0 to $25 for individual sessions and $15 for group sessions.
Partial Hospitalization See details
The AARP Medicare Advantage from UHC IN-0006 (PPO) plan covers partial hospitalization services with a $55.00 copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC IN-0006 (PPO) covers Medicare-approved ground and air ambulance services with a $140 copay and no coinsurance, although prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC IN-0006 (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 $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC IN-0006 (PPO) offers primary care and telehealth services with no copay and no coinsurance. Specialist visits, mental health, and therapy services require no coinsurance with copays ranging from $0 to $50, while chiropractic care is only partially covered as routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by the AARP Medicare Advantage from UHC IN-0006 (PPO) plan, offering covered services like annual physicals, kidney disease education, glaucoma screenings, and fitness benefits with no copay and no coinsurance. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access technologies, home safety modifications, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC IN-0006 (PPO) offers partially covered hearing services, including one routine hearing exam per year with no copay and no coinsurance, though hearing aid fitting and evaluation is not covered. Prescription hearing aids are covered up to two per year with a $199 to $1,249 copay and no coinsurance, excluding inner ear, outer ear, and over-the-ear types, while up to two OTC hearing aids are covered with a $199 to $829 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC IN-0006 (PPO) with no deductible and no coinsurance. Covered benefits include annual routine eye exams and contact lenses with no copay, as well as eyeglass frames (no copay) and eyeglass lenses ($0 to $153 copay) up to a $300 combined limit every two years, while other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC IN-0006 (PPO), which offers preventive services like cleanings and exams with no copay and no coinsurance, and Medicare-covered dental with no copay and 20% coinsurance. However, several comprehensive services are not covered, including restorative, endodontics, periodontics, prosthodontics, implants, orthodontics, and oral surgery.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC IN-0006 (PPO) with no copay, though prior authorization is required. Medicare Part B chemotherapy and other drugs feature no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin is covered with a $35 copay and a coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage from UHC IN-0006 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC IN-0006 (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 needed for most equipment.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC IN-0006 (PPO) covers diagnostic and radiological services with no coinsurance, although prior authorization is required. There is no copay for lab services and diagnostic radiology, a $5 copay for diagnostic tests and outpatient X-rays, and a $50 copay for therapeutic radiology services.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC IN-0006 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by AARP Medicare Advantage from UHC IN-0006 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC IN-0006 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the standard 100-day Medicare benefit are not covered.
Other Services See details
AARP Medicare Advantage from UHC IN-0006 (PPO) partially covers other services, which includes a chronic illness meal benefit with no copay and no coinsurance, subject to prior authorization. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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