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AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx IN-MA01 (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 Patriot No Rx IN-MA01 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Indiana. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx IN-MA01 (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 Patriot No Rx IN-MA01 (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. Additionally, this plan comes with a Part B Premium reduction of $105.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $14000.00 (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 $14000.00 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:
Sign up for AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan offers a range of benefits, including coverage for inpatient and outpatient services, with varying copays. Emergency and primary care services have copays, while many preventive services and home health services are available with no copay. The plan also includes coverage for hearing, vision, and dental services, with specific copays for each. Other benefits include coverage for medical equipment, diagnostic and radiological services, and skilled nursing facility care.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $475 copay for days 1-5, and no copay for days 6-90; for Inpatient Hospital Psychiatric, you will pay a $475 copay for days 1-4, and no copay for days 5-90.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with copays ranging from $0 to $475, and for Ambulatory Surgical Center (ASC) Services with no copay. Individual sessions for Outpatient Substance Abuse have copays between $0 and $25, while group sessions have a $15 copay, and Outpatient Blood Services have no copay.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan. You will pay a $55 copay for this benefit, and prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan. Ground and air ambulance services each have a copay of $275, with no coinsurance, while transportation services to any health-related location are not covered.
Emergency Services See details
Emergency services, including urgently needed services and worldwide emergency services, are covered. Emergency services have a $110 copay, while urgently needed services have a copay between $0 and $45; worldwide emergency, urgent, and transportation services have no copay.
Primary Care See details
Primary Care Physician Services and Additional Telehealth Benefits have no copay. Chiropractic Services have a $15 copay. Occupational Therapy Services have a copay between $0 and $35. Physician Specialist Services have a copay between $0 and $55. Mental Health Specialty Services have a $0-$25 copay for individual sessions and a $15 copay for group sessions. Podiatry Services have a $45 copay. Other Health Care Professional Services have a $0-$55 copay. Psychiatric Services have a $0-$25 copay for individual sessions and a $15 copay for group sessions. Physical Therapy and Speech-Language Pathology Services have a $0-$50 copay. Opioid Treatment Program Services have no copay.
Preventive Services See details
Preventive services include an annual physical exam with no copay, while other preventive services such as Health Education, In-Home Safety Assessment, Personal Emergency Response System, Medical Nutrition Therapy, Post discharge In-Home Medication Reconciliation, Re-admission Prevention, Wigs for Hair Loss Related to Chemotherapy, Weight Management Programs, Alternative Therapies, Therapeutic Massage, Adult Day Health Services, Nutritional/Dietary Benefit, Home-Based Palliative Care, In-Home Support Services, Support for Caregivers of Enrollees, Additional Sessions of Smoking and Tobacco Cessation Counseling, Enhanced Disease Management, Telemonitoring Services, Remote Access Technologies, and Counseling Services are not covered. Fitness Benefits and Home and Bathroom Safety Devices and Modifications have no copay. Kidney Disease Education Services, Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit have no copay.
Hearing Services See details
The AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan covers hearing exams with no copay, routine hearing exams with no copay, and OTC hearing aids with a copay between $99 and $829. Prescription hearing aids are covered with a copay between $199 and $1249, but fitting/evaluation for hearing aids, and prescription hearing aids (inner ear, outer ear, and over the ear) are not covered.
Vision Services See details
The AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan covers vision services, including eye exams and eyewear. Eye exams and contact lenses have no copay, while eyeglass lenses have a copay between $0 and $153. Eyeglass frames also have no copay. Eyeglasses (lenses and frames) and upgrades are not covered. There is a combined maximum benefit of $300 for eyewear every two years.
Dental Services See details
Dental services are covered, including Medicare Dental Services with a 20% coinsurance. Other dental services include oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), maxillofacial prosthetics, and oral and maxillofacial surgery, all with no copay. Implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, and prior authorization is required. For Medicare Part B Insulin Drugs, there is a $35 copay with a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan, but require prior authorization. The coinsurance is 20%.
Medical Equipment See details
Medical Equipment is covered by the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan, with a 20% coinsurance for Durable Medical Equipment, Prosthetic Devices, Medical Supplies, and Diabetic Therapeutic Shoes/Inserts, and no copay. Diabetic Supplies have no copay. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, diagnostic procedures/tests with a $50 copay, lab services with no copay, all radiological services, diagnostic radiological services with a copay up to $225, therapeutic radiological services with a coinsurance of at least 20%, and outpatient X-ray services with a $35 copay. Prior authorization is required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan with no copay and no coinsurance; however, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but not in practice, as Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered. Prior authorization is required for these services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $203. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) items and a Meal Benefit. OTC items have no copay, while the Meal Benefit also has no copay and requires prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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