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AARP Medicare Advantage from UHC IN-0007 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-0007 (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-0007 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-0007 (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-0007 (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-0007 (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-0007 (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-0007 (PPO) plan features an annual drug deductible of $600. For prescription costs, Tier 1 preferred generic drugs have no copay for a 1-month or 3-month supply at standard pharmacies, as well as for 3-month mail-order supplies. Tier 2 generic drugs cost a $14 copay for a 1-month supply at standard pharmacies, but offer no copay for a 3-month supply through preferred mail order. Higher-tier medications are subject to coinsurance rather than flat copays under this plan. Tier 3 preferred brand drugs require 16% coinsurance for both standard pharmacies and mail order. Tier 4 non-preferred drugs and Tier 5 specialty drugs require 41% and 26% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC IN-0007 (PPO) plan offers coverage with no copay and no coinsurance for primary care, telehealth, and preventive services. For inpatient hospital stays, members pay a $495 daily copay for the first four to five days and no copay thereafter, while emergency room visits require a $130 copay that is waived upon admission. Specialist visits feature a copay ranging from no copay to $50, and outpatient ambulatory surgical center services are available with no copay. Routine dental cleanings, annual vision exams, and annual hearing exams are covered with no copay and no coinsurance, alongside a $300 allowance for eyewear every two years. Durable medical equipment and dialysis services require no copay but carry a 20% coinsurance. Additionally, home health services and diagnostic lab tests are fully covered with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital care is covered by the AARP Medicare Advantage from UHC IN-0007 (PPO) with no coinsurance, requiring a $495 copay for days 1 to 5 of an acute stay and a $495 copay for days 1 to 4 of a psychiatric stay, followed by no copay for subsequent days. Prior authorization is required, and some services such as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC IN-0007 (PPO) covers outpatient services with no coinsurance, though prior authorization is required for most care. There is no copay for ambulatory surgical center and outpatient blood services, while outpatient hospital services require a copay of $0 to $495, observation services cost $495 per day, and outpatient substance abuse sessions have copays ranging from $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IN-0007 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC IN-0007 (PPO), with Medicare-covered ground and air ambulance services requiring a $150 copay and no coinsurance. However, transportation services to plan-approved or health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC IN-0007 (PPO) with a $130 copay—which is waived if admitted to the hospital within 24 hours—and no coinsurance. Urgently needed services require a copay ranging from $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC IN-0007 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $50 copay and no coinsurance. Therapy services have a $30 copay and no coinsurance, though chiropractic services are not covered in practice since routine and other chiropractic sub-services are excluded.
Preventive Services See details
AARP Medicare Advantage from UHC IN-0007 (PPO) covers preventive services, including annual physical exams, kidney disease education, and diabetes self-management training, with no copay and no coinsurance. Additional preventive services are partially covered, offering a fitness benefit with no copay and no coinsurance. However, sub-services such as health education, in-home safety assessments, personal emergency response systems (PERS), medical nutrition therapy, medication reconciliation, re-admission prevention, 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, safety modifications, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC IN-0007 (PPO) offers partially covered hearing services, featuring one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Eligible members can receive up to two prescription hearing aids per year for a $199 to $1,249 copay and up to two OTC hearing aids for a $199 to $829 copay, both with no coinsurance, although inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC IN-0007 (PPO) offers partially covered vision services with no deductible, including one annual routine eye exam with no copay and no coinsurance. Covered eyewear has no coinsurance and a $300 limit every two years, with no copay for contacts and frames and a $0 to $153 copay for lenses, though other eye exams, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage from UHC IN-0007 (PPO), offering preventive care like exams and cleanings with no copay and no coinsurance, and Medicare-covered dental services with no copay and a 20% coinsurance. Restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC IN-0007 (PPO) with no copay, though prior authorization is required. Covered Part B chemotherapy, radiation, and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin drugs have a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the AARP Medicare Advantage from UHC IN-0007 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC IN-0007 (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 most equipment.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC IN-0007 (PPO) with no coinsurance, though prior authorization is required. There is no copay for lab services and diagnostic radiology, a $5 copay for outpatient x-rays and diagnostic tests, and a copay starting at $30 for therapeutic radiology services.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC IN-0007 (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 IN-0007 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC IN-0007 (PPO) covers skilled nursing facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day inpatient hospital stay is not required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC IN-0007 (PPO) partially covers Other Services, offering a chronic illness meal benefit with no copay and no coinsurance, although prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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