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AARP Medicare Advantage from UHC AZ-0010 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC AZ-0010 (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 AZ-0010 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AZ-0010 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Arizona. 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 AZ-0010 (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 AZ-0010 (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 AZ-0010 (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 AZ-0010 (PPO) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $600. After meeting this deductible, you will pay a $12 copay for Tier 1 preferred generics at standard pharmacies during the initial coverage phase. Other drug tiers require coinsurance, such as 16% for Tier 2 standard generics, 34% for Tier 3 preferred brands, and 26% for Tier 4 non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and have no copay for Medicare Part D covered drugs. Furthermore, beneficiaries who qualify for the low-income subsidy will pay nothing for their Part D coverage. This plan provides a structured way to manage your prescription expenses throughout the year.
Additional Benefits
The AARP Medicare Advantage from UHC AZ-0010 (PPO) plan offers comprehensive medical coverage with no copay for primary care visits, telehealth, and routine preventive services. For hospital stays, members pay a $550 daily copay for the first few days of inpatient care, while emergency room visits carry a $130 copay that is waived upon admission. Outpatient services, diagnostic tests, and urgent care are also covered, featuring no coinsurance and variable copays depending on the specific service. This plan includes essential vision, dental, and hearing benefits, featuring no copay for routine eye exams, preventive dental cleanings, and routine hearing exams. While specialized services like dialysis and durable medical equipment require a 20% coinsurance with no copay, other benefits such as home health care, over-the-counter items, and meals are provided with no copay or coinsurance. Skilled nursing facility stays are also covered, offering no copay for the first 20 days.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC AZ-0010 (PPO) with a $550 daily copay for days 1-5 of acute stays and days 1-4 of psychiatric stays, followed by no copay and no coinsurance for the remaining days. The plan partially covers these benefits, excluding hospital upgrades, non-Medicare-covered stays, and additional days for inpatient psychiatric care.
Outpatient Services See details
AARP Medicare Advantage from UHC AZ-0010 (PPO) covers outpatient services with no coinsurance, featuring copays that range from no copay for ambulatory surgical center and blood services up to $550 for outpatient hospital and daily observation services. Outpatient substance abuse sessions are also covered with copays ranging from no copay up to $25 per session.
Partial Hospitalization See details
AARP Medicare Advantage from UHC AZ-0010 (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
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC AZ-0010 (PPO). Ground and air ambulance services require prior authorization and have a $290 copay with no coinsurance, while transportation services to health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC AZ-0010 (PPO) with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay of up to $50 and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
Primary Care benefits are covered by AARP Medicare Advantage from UHC AZ-0010 (PPO) with no copay or coinsurance for primary care visits, telehealth, and opioid treatment. Other services, such as specialist visits, physical therapy, and mental health sessions, carry copays ranging from $0 to $60 with no coinsurance. Chiropractic services are partially covered, as routine chiropractic care is not covered.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage from UHC AZ-0010 (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, glaucoma screenings, diabetes self-management, and fitness benefits. However, the benefit is only partially covered, as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, in-home support, caregiver support, and tobacco cessation counseling are not covered.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC AZ-0010 (PPO), featuring routine hearing exams with no copay and no coinsurance. Covered prescription hearing aids carry a $199 to $1,249 copay and OTC hearing aids carry a $199 to $829 copay, both with no coinsurance. Fitting and evaluation services, along with inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
Vision Services are partially covered by AARP Medicare Advantage from UHC AZ-0010 (PPO) with no deductibles or coinsurance. Routine eye exams, contact lenses, and eyeglass frames have no copay, while eyeglass lenses carry a $0 to $153 copay up to a $300 limit every two years, though upgrades and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC AZ-0010 (PPO), with preventive care like exams, cleanings, and x-rays requiring no copay and no coinsurance. Medicare-covered dental services are subject to a 20% coinsurance and no copay, but comprehensive options such as restorative care, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC AZ-0010 (PPO) covers home infusion bundled services, with prior authorization and step therapy required for certain drugs. Medicare Part B insulin drugs have a $35 copay and coinsurance ranging from no coinsurance to 20%, while chemotherapy and other Part B drugs have no copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC AZ-0010 (PPO) with no copay and 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
AARP Medicare Advantage from UHC AZ-0010 (PPO) covers medical equipment, including durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts with a 20% coinsurance and no copay. Diabetic supplies are covered with no copay and no coinsurance, and prior authorization is required for most of these benefits.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under AARP Medicare Advantage from UHC AZ-0010 (PPO), with prior authorization required. Under this plan, there is no copay for lab services, a $45 copay for diagnostic tests, a $30 copay for outpatient X-rays, copays ranging from no copay up to $260 for diagnostic radiological services, and a 20% coinsurance for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC AZ-0010 (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the AARP Medicare Advantage from UHC AZ-0010 (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) benefits are covered by AARP Medicare Advantage from UHC AZ-0010 (PPO) with prior authorization, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with no coinsurance. Standard Medicare-covered days are included, but 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 AZ-0010 (PPO), offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance. However, acupuncture and Dual Eligible SNPs with highly integrated services are not covered under this plan.
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