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AARP Medicare Advantage from UHC MO-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC MO-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 MO-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC MO-0002 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Missouri. 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 MO-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 MO-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 MO-0002 (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 $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 MO-0002 (PPO) plan features an annual prescription drug deductible of $520. For Tier 1 preferred generic drugs, you will pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for a 3-month supply through mail order. Tier 2 generic medications cost a $10 copay for a 1-month supply at standard pharmacies, but you can get a 3-month supply with no copay when using preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 17% coinsurance for both 1-month and 3-month fills at standard pharmacies and mail order. Meanwhile, Tier 4 non-preferred drugs carry a 39% coinsurance, and Tier 5 specialty tier drugs require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC MO-0002 (PPO) plan offers robust coverage for core medical needs, including no copays and no coinsurance for primary care visits, routine preventive services, and home health care. For specialized care, specialist visits require a copay up to $55, while emergency room visits carry a $130 copay. Inpatient hospital stays require a $455 daily copay for the first few days with no coinsurance, after which subsequent days have no copay. Routine dental, vision, and hearing exams are fully covered with no copays or coinsurance, though specialized services like prescription hearing aids and certain eyewear lenses require copayments. Medical equipment, prosthetics, and dialysis services generally require no copay but carry a 20% coinsurance. Additionally, prescription insulin is available with a $35 copay, while diabetic supplies feature no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC MO-0002 (PPO) covers inpatient hospital services with no coinsurance, requiring a $455 daily copay for days 1-6 of acute stays and days 1-5 of psychiatric stays, with no copay for subsequent covered days. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage from UHC MO-0002 (PPO) with no coinsurance, featuring no copays for ambulatory surgical center and outpatient blood services. Outpatient hospital services require a copay of $0 to $455, observation services carry a $455 daily copay, and outpatient substance abuse sessions have a copay of $0 to $25 for individual or $15 for group visits.
Partial Hospitalization See details
Partial hospitalization services are covered by the AARP Medicare Advantage from UHC MO-0002 (PPO) plan with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC MO-0002 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, subject to prior authorization. Transportation services to plan-approved or health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC MO-0002 (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 feature a copay ranging from no copay 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 MO-0002 (PPO) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $55 copay and no coinsurance. Physical, occupational, and speech therapies have copays up to $55 with no coinsurance, but chiropractic services are not covered.
Preventive Services See details
AARP Medicare Advantage from UHC MO-0002 (PPO) covers key preventive services, including annual physical exams, kidney disease education, and glaucoma screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered with no copay and no coinsurance for fitness benefits and home safety devices, while sub-services such as health education, nutritional therapy, and personal emergency response systems are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC MO-0002 (PPO), featuring one annual routine hearing exam with no deductible, no copay, and no coinsurance, while fitting and evaluation services are not covered. Prescription hearing aids are covered with a $199 to $1,249 copay and no coinsurance, and OTC hearing aids are covered with a $199 to $829 copay and no coinsurance, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC MO-0002 (PPO) with no deductibles, no coinsurance, and no copay for routine exams, contact lenses, and frames, though eyeglass lenses have a $0 to $153 copay up to a $200 combined eyewear limit every two years. Other eye exam services, eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
Dental services under the AARP Medicare Advantage from UHC MO-0002 (PPO) plan are partially covered, offering preventive care such as cleanings, exams, and x-rays with no copay and no coinsurance. Medicare-covered dental services are available with no copay and a 20% coinsurance, but restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC MO-0002 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs incur no coinsurance to 20% coinsurance, while covered insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC MO-0002 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive this covered benefit.
Medical Equipment See details
Medical equipment and supplies are covered by AARP Medicare Advantage from UHC MO-0002 (PPO) with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are covered with no copay, and prior authorization is required for most of these medical equipment benefits and devices.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC MO-0002 (PPO) covers diagnostic and radiological services, with prior authorization required. Diagnostic lab services and diagnostic radiological services have no copay and no coinsurance, while diagnostic procedures require a $50 copay, outpatient X-rays require a $30 copay, and therapeutic radiological services carry a 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC MO-0002 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the AARP Medicare Advantage from UHC MO-0002 (PPO) plan with no copay and no coinsurance, though in practice only some services are covered as standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC MO-0002 (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC MO-0002 (PPO) offers partial coverage for other services, including over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture is not covered under this plan, and prior authorization is required for the meal benefit.
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