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AARP Medicare Advantage from UHC ST-2 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC ST-2 (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 ST-2 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC ST-2 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Missouri and Illinois. 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 ST-2 (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 ST-2 (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 ST-2 (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 $8800.00 (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 $8800.00 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 ST-2 (PPO) plan features a $600 annual prescription drug deductible. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies or through mail order. Tier 2 generic drugs require an $8 copay for a 1-month standard pharmacy supply, but members can save with no copay for a 3-month supply when using preferred mail order. For brand-name and specialty medications, costs are based on coinsurance. Tier 3 preferred brand drugs require a 16% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 41% and 26% coinsurance respectively for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC ST-2 (PPO) plan offers comprehensive medical coverage with no coinsurance for many core services. Members pay no copay for primary care visits, preventive care, annual physicals, and home health services, while specialist visits require a copay ranging up to $60. For hospital care, inpatient stays require a $550 daily copay for the first few days with no subsequent copays, and emergency room visits carry a $130 copay that is waived if you are admitted. Ancillary benefits include no copay for routine dental, vision, and hearing exams, along with a $300 eyewear allowance every two years. For specialized medical needs, durable medical equipment and dialysis services require no copay but carry a 20% coinsurance. Prescription hearing aids are also covered with copays ranging from $199 to $1,249.
Inpatient Hospital See details
Inpatient hospital benefits are covered by AARP Medicare Advantage from UHC ST-2 (PPO) with no coinsurance, requiring a $550 copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, followed by no copay for subsequent days. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC ST-2 (PPO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services which feature no copays. Outpatient hospital services require a copay of $0 to $550 ($550 per day for observation), while outpatient substance abuse services carry a copay of $0 to $25 for individual sessions and $15 for group sessions.
Partial Hospitalization See details
The AARP Medicare Advantage from UHC ST-2 (PPO) plan 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
AARP Medicare Advantage from UHC ST-2 (PPO) covers ground and air ambulance services with a $200 copay and no coinsurance, requiring prior authorization. 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 ST-2 (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 $0 to $50 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC ST-2 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $60 copay and no coinsurance. Other services, including physical, occupational, psychiatric, and podiatry therapies, are covered with copays ranging from $0 to $45 and no coinsurance, though chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage from UHC ST-2 (PPO) provides partially covered preventive services with no copays and no coinsurance for annual physical exams, kidney disease education, glaucoma screenings, and a fitness benefit. However, several supplemental options, including health education, nutritional therapy, and in-home safety assessments, are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC ST-2 (PPO) with no coinsurance or deductibles, offering one annual routine hearing exam with no copay, though fitting and evaluation exams are not covered. Covered prescription hearing aids require a copay of $199 to $1,249 and OTC hearing aids require a copay of $199 to $829 (both limited to 2 per year with no coinsurance), but inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC ST-2 (PPO) covers vision services with no coinsurance, featuring no copay for one routine eye exam yearly and a combined $300 eyewear allowance every two years. Contact lenses and eyeglass frames have no copay, eyeglass lenses have a copay of up to $153.00, and other eye exams, upgrades, and combined eyeglasses are not covered.
Dental Services See details
AARP Medicare Advantage from UHC ST-2 (PPO) partially covers dental services, offering Medicare-covered dental care with no copay and 20% coinsurance, and preventive services like cleanings and exams with no copay and no coinsurance. Restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC ST-2 (PPO) covers home infusion bundled services with no copay, although prior authorization is required. Covered Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Medicare Part B insulin has a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by AARP Medicare Advantage from UHC ST-2 (PPO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC ST-2 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance, subject to prior authorization. Diabetic supplies from specified manufacturers are covered with no copay, while diabetic therapeutic shoes and inserts carry a 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC ST-2 (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Members pay no copay for lab services and diagnostic radiology, a $5 copay for outpatient x-rays, a $10 copay for diagnostic procedures, and a minimum $80 copay for therapeutic radiological services.
Home Health Services See details
Home health services are covered by the AARP Medicare Advantage from UHC ST-2 (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 ST-2 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, 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 ST-2 (PPO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring prior authorization but no prior three-day hospital stay. Patients pay no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by AARP Medicare Advantage from UHC ST-2 (PPO), which features a meal benefit for chronic illnesses with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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