A non-government entity
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 2026, 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 2026.
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 $175.00. 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 $13900.00 (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 $13900.00 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)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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 robust medical coverage with no copay or coinsurance for primary care visits, telehealth, and routine preventive services. Specialist visits range from a $0 to $55 copay, while emergency care requires a $115 copay that is waived if you are hospitalized. For inpatient hospital stays, members pay a $475 daily copay for the first few days and no copay for subsequent days, all with no coinsurance. Additional benefits include diagnostic and preventive dental services with no copay up to a $4,000 annual limit, alongside vision care featuring no copay for routine exams and a $300 eyewear allowance every two years. Routine hearing exams also feature no copay, while prescription hearing aids require copays ranging from $199 to $1,249. Durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay, and skilled nursing facility stays require no copay for the first 20 days.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) covers inpatient hospital services with no coinsurance, though prior authorization is required. Acute care requires a $475 daily copay for days 1 to 5 and no copay for days 6 and beyond, while psychiatric care requires a $475 daily copay for days 1 to 4 and no copay for days 5 to 90. Upgrades, additional psychiatric days, and non-Medicare-covered stays are not covered under this benefit.
Outpatient Services See details
Outpatient services under the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) are covered with no coinsurance, featuring a $0 to $475 copay for outpatient hospital services and a $475 daily copay for observation services. Ambulatory surgical center and blood services are covered with no copay and no coinsurance, while outpatient substance abuse services require a copay of $0 to $25.
Partial Hospitalization See details
AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive coverage for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Routine transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a $0 to $40 copay with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary care benefits offered by the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) feature no copay and no coinsurance for primary care provider visits and telehealth, while specialist visits range from a $0 to $55 copay with no coinsurance. Physical, occupational, and speech therapy services require a $35 to $55 copay with no coinsurance, though chiropractic services are not covered.
Preventive Services See details
Preventive Services are covered by the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) with no copay and no coinsurance, including annual physical exams, kidney disease education, and select screenings. Additional preventive services are partially covered, offering fitness benefits and home safety devices with no copay or coinsurance, while excluding health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered under AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO), offering one annual routine hearing exam with no copay and no coinsurance, though fitting and evaluation exams are not covered. Up to two prescription hearing aids per year are covered with a $199 to $1,249 copay and no coinsurance, excluding inner ear, outer ear, and over the ear types. OTC hearing aids are also covered with a copay of $199 to $829 and no coinsurance for up to two devices per year.
Vision Services See details
Vision Services are partially covered by the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan, featuring no coinsurance, no deductibles, and a $300 combined eyewear limit every two years. Covered benefits include annual routine eye exams, contact lenses, and frames with no copay, as well as lenses with a $0 to $153 copay; however, other eye exams, upgrades, and complete eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO), with implant services and orthodontics not covered under the plan. Diagnostic and preventive services have no copay and no coinsurance up to a $4,000 annual limit, while comprehensive services require no copay and 50% coinsurance, and Medicare-covered dental services require no copay and 20% coinsurance.
Home Infusion bundled Services See details
AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Under this plan, Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while Medicare Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) covers dialysis services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment benefits under the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan cover durable medical equipment (DME), prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes or inserts require a 20% coinsurance, and prior authorization is required for most services.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan, offering lab services with no copay or coinsurance and diagnostic tests for a $50 copay with no coinsurance. Diagnostic radiological services feature copays starting at $0 with no coinsurance, outpatient X-rays require a $30 copay plus coinsurance, and therapeutic radiology requires a 20% coinsurance, with prior authorization required.
Home Health Services See details
The AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan covers home health services 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 Patriot No Rx IN-MA01 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease services are not covered in practice.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) plan covers Skilled Nursing Facility (SNF) services with no coinsurance and no prior three-day hospital stay requirement. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx IN-MA01 (PPO) provides partial coverage for other services, offering over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and other miscellaneous services are not covered under this plan, and the meal benefit requires prior authorization.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
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.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved