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AARP Medicare Advantage Patriot No Rx AZ-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 AZ-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 AZ-MA01 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx AZ-MA01 (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 Patriot No Rx AZ-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 AZ-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 AZ-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 $100.00. 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 $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:
Sign up for AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan offers comprehensive medical coverage with predictable copayments and no coinsurance for many core services. For inpatient hospital stays, members pay a daily copay of $535 for the first few days and no copay for subsequent days, while emergency room visits require a $130 copay. Doctor visits are highly affordable, featuring no copay for primary care and telehealth services, and up to a $55 copay for specialists. Preventive care, annual physicals, routine vision exams, and home health services are covered with no copay or coinsurance. Other essential services, such as comprehensive dental care, durable medical equipment, and dialysis, generally require a 20% to 50% coinsurance with no copay. Additionally, the plan covers routine hearing exams and over-the-counter items with no copay, though hearing aids and diagnostic radiology services require specific copays.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) partially covers inpatient hospital benefits with no coinsurance, requiring a $535 daily copay for days 1-5 of acute stays (no copay for days 6 and beyond) and days 1-4 of psychiatric stays (no copay for days 5-90). Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Outpatient hospital services range from no copay to a $535 copay, observation services require a $535 daily copay, and outpatient substance abuse sessions range from no copay to a $25 copay.
Partial Hospitalization See details
The AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this covered benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by the AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan, as transportation services to plan-approved or any health-related locations are not covered. Covered ground and air ambulance services require a $290 copay and no coinsurance.
Emergency Services See details
Emergency services are covered under the AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with no copay.
Primary Care See details
Primary Care benefits are partially covered by AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO), as routine chiropractic care is not covered. Covered services require no coinsurance, with copayments ranging from no copay for telehealth and opioid treatment up to $55 for physical therapy and specialists.
Preventive Services See details
Preventive services are partially covered by the AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan, offering no copay and no coinsurance for covered benefits like annual physical exams and fitness programs. However, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, medication reconciliation, readmission prevention, chemotherapy wigs, weight management, alternative therapies, and therapeutic massage. Also excluded are adult day health, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access technologies, and counseling services.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) provides partially covered hearing services, including one routine hearing exam per year with no copay or coinsurance, though fitting and evaluation exams are not covered. The plan also covers up to two OTC hearing aids with a $199 to $829 copay and two prescription hearing aids with a $199 to $1,249 copay, both with no coinsurance, while inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan, featuring routine eye exams, contact lenses, and eyeglass frames with no copay, no deductible, and no coinsurance. Eyeglass lenses are covered with a copay of $0 to $153 and no coinsurance under a combined $250 eyewear allowance every two years, while upgrades and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO), excluding implant services and orthodontics. Preventive services feature no copay and no coinsurance, while covered comprehensive and Medicare-covered dental services require a 20% or 50% coinsurance and no copay, up to a $2,500 annual maximum.
Home Infusion bundled Services See details
Home infusion bundled services are covered by the AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan with prior authorization, requiring no copay and no coinsurance to 20% coinsurance for chemotherapy, radiation, and other Part B drugs. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan with a 20% coinsurance and no copay. Prior authorization is required for this benefit.
Medical Equipment See details
Medical Equipment is covered under the AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan, with a 20% coinsurance and no copay for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are available with no copay and no coinsurance, though prior authorization is required for most medical equipment and supplies.
Diagnostic and Radiological Services See details
AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) covers diagnostic and radiological services, with prior authorization required for most services. Members pay no copay for lab services, a $30 copay for outpatient X-rays, a $50 copay for diagnostic tests, up to a $260 copay for diagnostic radiology, and a 20% coinsurance for therapeutic radiology.
Home Health Services See details
AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these covered services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered by AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) with some services covered, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered. Because these sub-services are not covered in practice, there is no copay or coinsurance required for them.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) partially covers Skilled Nursing Facility (SNF) services with prior authorization, featuring no copay for days 1 to 20, a $218 daily copay for days 21 to 100, and no coinsurance. Additional days beyond the Medicare-covered SNF benefit are not covered.
Other Services See details
Other Services are partially covered by the AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) plan, which provides over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered under this benefit.
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