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AARP Medicare Advantage from UHC AZ-0011 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC AZ-0011 (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-0011 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC AZ-0011 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Pima County. 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-0011 (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-0011 (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-0011 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $44.00. 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 $7300.00 (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 $7300.00 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-0011 (PPO) plan features an Enhanced Alternative drug benefit with a $600 annual prescription deductible. During the initial coverage phase, Tier 1 preferred generic drugs require a $5 copay at standard pharmacies, while standard generics and preferred brands carry 16% and 37% coinsurance, respectively. This initial phase lasts until your total combined drug costs reach $2,100. If you qualify for the low-income subsidy, your Part D premium can be reduced from $44 down to $27. Once your yearly out-of-pocket drug costs exceed $2,100, you enter the catastrophic coverage phase and will have no copay for covered Part D prescriptions. This structured plan helps beneficiaries easily project their medication expenses throughout the year.
Additional Benefits
The AARP Medicare Advantage from UHC AZ-0011 (PPO) offers robust medical coverage with no copay for primary care doctor visits, telehealth, annual physicals, and home health services. For inpatient hospital stays, members pay a daily copay of $325 for days 1 through 6, with no copay for days 7 through 90, while outpatient hospital services feature copays ranging from $0 to $325 and no coinsurance. Emergency care requires a $130 copay, which is waived upon immediate hospital admission, and worldwide emergency services are covered with no copay. Specialist visits carry copays from $0 to $35, while routine hearing, vision, and preventive dental services are available with no copay or coinsurance. The plan includes a $300 eyewear allowance every two years and covers prescription hearing aids with copays between $199 and $1,249. Additionally, durable medical equipment, dialysis, and Medicare-covered dental services require a 20% coinsurance, while diabetic supplies are provided with no copay.
Inpatient Hospital See details
AARP Medicare Advantage from UHC AZ-0011 (PPO) partially covers inpatient hospital services with a daily copay of $325 for days 1 through 6, no copay for days 7 through 90, and no coinsurance for acute and psychiatric stays. Unlimited additional acute care days are covered at no copay, but room upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC AZ-0011 (PPO) covers outpatient services with no coinsurance. Members pay no copay for ambulatory surgical center and blood services, while outpatient hospital, observation, and substance abuse services have copays ranging from $0 to $325.
Partial Hospitalization See details
AARP Medicare Advantage from UHC AZ-0011 (PPO) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by AARP Medicare Advantage from UHC AZ-0011 (PPO), as ground and air ambulance services are covered while transportation services to health-related locations are not covered. Covered ground and air ambulance services require a $150 copay and no coinsurance, and prior authorization is required.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC AZ-0011 (PPO) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services are also covered with no coinsurance and a copay ranging from no copay up to $50, while worldwide emergency, urgent, and transportation services require no copay and no coinsurance.
Primary Care See details
Primary care benefits are covered by AARP Medicare Advantage from UHC AZ-0011 (PPO), featuring no copay for primary care doctor visits, telehealth, and opioid treatment. Other services like specialist visits, mental health, and physical therapy require copays ranging from $0 to $35, though chiropractic services are only partially covered because routine chiropractic care is not covered.
Preventive Services See details
AARP Medicare Advantage from UHC AZ-0011 (PPO) offers partially covered preventive services with no copay and no coinsurance for covered options like annual physicals, fitness benefits, and kidney disease education. Uncovered sub-services include 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, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
AARP Medicare Advantage from UHC AZ-0011 (PPO) partially covers hearing services, excluding fitting and evaluation exams along with inner ear, outer ear, and over the ear prescription hearing aids. Routine exams have no copay or coinsurance, while covered prescription and over-the-counter hearing aids feature no coinsurance and copays ranging from $199 to $1,249.
Vision Services See details
Vision Services are covered by AARP Medicare Advantage from UHC AZ-0011 (PPO), featuring no copays or coinsurance for annual routine eye exams, contact lenses, and eyeglass frames. The plan includes a $300 eyewear allowance every two years, with eyeglass lenses carrying a copay of $0 to $153, while packaged eyeglasses and upgrades are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC AZ-0011 (PPO), offering preventive care such as exams, cleanings, and x-rays with no copay or coinsurance, and Medicare-covered dental services with a 20% coinsurance and no copay. However, restorative, endodontic, periodontic, prosthodontic, oral surgery, implant, and orthodontic services are not covered.
Home Infusion bundled Services See details
AARP Medicare Advantage from UHC AZ-0011 (PPO) covers home infusion bundled services with prior authorization, including chemotherapy, radiation, and other Part B drugs with no copay and no coinsurance to 20% coinsurance. Covered Medicare Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC AZ-0011 (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 AZ-0011 (PPO) covers medical equipment, including durable medical equipment, prosthetics, and diabetic therapeutic shoes, with a 20% coinsurance and no copay. Diabetic supplies are also covered with no copay and no coinsurance, though prior authorization is required for most of these medical equipment benefits.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by AARP Medicare Advantage from UHC AZ-0011 (PPO) with no coinsurance, though prior authorization is required. Members pay no copay for lab services, $5 for diagnostic tests and outpatient X-rays, $60 for therapeutic radiological services, and a copay of up to $210 for diagnostic radiological services.
Home Health Services See details
AARP Medicare Advantage from UHC AZ-0011 (PPO) covers Home Health Services 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-0011 (PPO) plan, as none of the associated sub-services are covered. Consequently, there is no coverage, copay, or coinsurance for cardiac, intensive cardiac, pulmonary, or SET for PAD rehabilitation services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by the AARP Medicare Advantage from UHC AZ-0011 (PPO) plan, with no copay or coinsurance for days 1 through 20, and a $218 daily copay with no coinsurance for days 21 through 100. Prior authorization is required, and additional days beyond Medicare-covered limits are not covered.
Other Services See details
AARP Medicare Advantage from UHC AZ-0011 (PPO) partially covers other services, providing over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and dual eligible SNPs with highly integrated services are not covered under this plan.
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