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AARP Medicare Advantage from UHC OR-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC OR-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 OR-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC OR-0002 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Oregon. 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 OR-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 OR-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 OR-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 $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 OR-0002 (PPO) plan features an annual drug deductible of $600. Under this plan, you will pay no copay for Tier 1 preferred generic drugs at standard pharmacies or through three-month mail-order options. For Tier 2 generic drugs, standard pharmacy copays are $10 for a one-month supply, but you can save by using preferred mail order which offers a three-month supply with no copay. For brand-name and specialty medications, your costs are determined by coinsurance percentages. Tier 3 preferred brand drugs require a 16% coinsurance for standard pharmacy and mail-order fills. Tier 4 non-preferred drugs carry a 35% coinsurance, and Tier 5 specialty drugs require a 26% coinsurance for a one-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC OR-0002 (PPO) plan offers robust coverage with no copay and no coinsurance for primary care visits, telehealth, annual physicals, and home health services. Specialist visits range from no copay to a $55 copay, while emergency room visits carry a $130 copay which is waived upon admission. For hospital stays, members pay a $550 daily copay for the first few days of inpatient care, followed by no copay for the remaining covered days. Routine vision and hearing exams are available with no copay, and the plan includes a $300 eyewear allowance every two years alongside coverage for prescription hearing aids. Preventive dental services like cleanings and exams also feature no copay, though more advanced Medicare-covered dental care and medical equipment require a 20% coinsurance. This plan does not cover cardiac rehabilitation, over-the-counter items, or routine transportation services.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC OR-0002 (PPO) with no coinsurance, requiring a $550 daily copay for days 1 through 5 of an acute stay and days 1 through 4 of a psychiatric stay, followed by no copay for remaining covered days. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC OR-0002 (PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $550, including a $550 daily copay for observation services, while outpatient substance abuse services carry copays ranging from $0 to $25 depending on the session type.
Partial Hospitalization See details
AARP Medicare Advantage from UHC OR-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC OR-0002 (PPO) covers ground and air ambulance services with a $290 copay and no coinsurance, with prior authorization required. While some transportation services are covered, transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
AARP Medicare Advantage from UHC OR-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 of $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
Primary care and telehealth services are covered by AARP Medicare Advantage from UHC OR-0002 (PPO) with no copay and no coinsurance, while specialist visits require a $0 to $55 copay. Physical, occupational, and speech therapies have copays of $35 to $45, and some chiropractic services are covered with a $15 copay (though routine and other chiropractic services are not covered), all with no coinsurance.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC OR-0002 (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, glaucoma screenings, and fitness benefits. This benefit is partially covered, as several supplemental services—including health education, in-home safety assessments, personal emergency response systems, and nutritional/dietary benefits—are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC OR-0002 (PPO) provides partially covered hearing services with no deductible, featuring one annual routine hearing exam with no copay and no coinsurance, though fitting evaluations are not covered. The plan also covers up to two prescription hearing aids per year (with copays from $199 to $1,249) and two OTC hearing aids per year (with copays from $199 to $829) with no coinsurance, but inner, outer, and over-the-ear prescription models are not covered.
Vision Services See details
Vision services are partially covered under the AARP Medicare Advantage from UHC OR-0002 (PPO) plan with no coinsurance, featuring no copay for annual routine eye exams, contact lenses, and eyeglass frames, and a $0 to $153 copay for eyeglass lenses. A combined $300 maximum eyewear benefit is available every two years, though other eye exam services, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered under the AARP Medicare Advantage from UHC OR-0002 (PPO) plan, featuring Medicare-covered dental care with no copay and 20% coinsurance. Preventive services like exams, cleanings, x-rays, and fluoride are offered with no copay and no coinsurance, but restorative, endodontic, periodontic, prosthodontic, implant, oral surgery, and orthodontic services are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC OR-0002 (PPO) with no copay, though prior authorization is required. Related Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC OR-0002 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required for these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC OR-0002 (PPO) covers durable medical equipment, prosthetic devices, 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.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC OR-0002 (PPO), with prior authorization required for all services. Lab services and diagnostic radiological services feature no copay and no coinsurance, while diagnostic procedures require a $50 copay and no coinsurance. Outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiological services require a minimum 20% coinsurance plus a copay.
Home Health Services See details
Home health services are covered under the AARP Medicare Advantage from UHC OR-0002 (PPO) with no copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC OR-0002 (PPO) plan, as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC OR-0002 (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, with additional days beyond the Medicare limit not covered.
Other Services See details
Other Services for the AARP Medicare Advantage from UHC OR-0002 (PPO) plan are partially covered, offering a chronic illness meal benefit with no copay and no coinsurance, though prior authorization is required. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered.
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