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AARP Medicare Advantage from UHC DC-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC DC-0002 (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 DC-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC DC-0002 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Washington, DC. 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 DC-0002 (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 DC-0002 (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 DC-0002 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $46.00. 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 DC-0002 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, as well as for 3-month mail orders. Tier 2 generic drugs cost a $10 copay for a 1-month supply at standard pharmacies, but members can save by utilizing preferred mail order for a 3-month supply with no copay. Higher-tier medications under this plan transition to coinsurance, starting with a 15% coinsurance for Tier 3 preferred brand drugs at standard pharmacies and through mail order. Tier 4 non-preferred drugs require a 36% coinsurance for a 1-month supply, while Tier 5 specialty tier drugs carry a 26% coinsurance. These structured cost-sharing tiers help beneficiaries easily estimate their out-of-pocket prescription costs.
Additional Benefits
The AARP Medicare Advantage from UHC DC-0002 (PPO) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, annual physical exams, and home health care. Specialist doctor visits require an affordable copay of up to $45, while inpatient hospital stays feature a $425 daily copay for the first few days and no copay for subsequent days. Emergency room visits have a $130 copay, which is waived if you are admitted, and worldwide emergency coverage is available with no copay. This plan also includes valuable supplemental benefits, such as routine hearing and vision exams with no copay, plus a $300 eyewear allowance every two years. Preventive dental services are covered with no copay, while comprehensive dental care is covered up to a $1,000 annual limit with a 50% coinsurance. Additionally, durable medical equipment and dialysis services are provided with no copay and a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers inpatient hospital services with no coinsurance, requiring a $425 daily copay for days 1-6 of acute stays and days 1-5 of psychiatric stays, with no copay for subsequent covered days. Hospital upgrades, non-Medicare-covered stays, and additional psychiatric days beyond 90 days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital and observation services require a copay of $0 to $425 with no coinsurance, while outpatient substance abuse services have a copay of $0 to $25 with no coinsurance.
Partial Hospitalization See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers Medicare-approved ground and air ambulance services with a $275 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a copay of $0 to $45 and no coinsurance. Therapy services have a $40 copay and no coinsurance, mental health individual sessions range from a $0 to $25 copay with no coinsurance, and chiropractic services are only partially covered, with routine and other chiropractic care not covered.
Preventive Services See details
Preventive Services are partially covered by AARP Medicare Advantage from UHC DC-0002 (PPO) with no copay and no coinsurance for covered benefits like annual physical exams, fitness programs, and home safety devices. However, many supplemental services are not covered, including health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, readmission prevention, chemotherapy 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
Hearing services are partially covered by AARP Medicare Advantage from UHC DC-0002 (PPO), which offers one routine hearing exam per year with no copay and no coinsurance, although hearing aid fittings and evaluations are not covered. Covered prescription hearing aids (up to two per year) carry a copay of $199 to $1,249 and no coinsurance, while OTC hearing aids have a copay of $199 to $829 and no coinsurance, though inner ear, outer ear, and over-the-ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) offers partially covered vision services with no deductibles and no coinsurance, including one routine eye exam per year with no copay. Eyewear is covered up to a $300 limit every two years with no copay for contact lenses and eyeglass frames, and a $0 to $153 copay for eyeglass lenses, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) partially covers dental services up to a $1,000 annual limit, excluding implant services and orthodontics. Preventive care is available with no copay and no coinsurance, while Medicare-covered dental requires no copay and 20% coinsurance, and comprehensive services require no copay and 50% coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC DC-0002 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers diagnostic and radiological services with no coinsurance, although prior authorization is required. Diagnostic lab services and select diagnostic radiology services have no copay, while diagnostic tests cost a $20 copay, outpatient X-rays cost a $30 copay, and therapeutic radiology services require a minimum copay of $60.
Home Health Services See details
Home Health Services are covered by AARP Medicare Advantage from UHC DC-0002 (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) covers Cardiac Rehabilitation Services with no copay and no coinsurance, though prior authorization is required. Some services are covered, but standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by AARP Medicare Advantage from UHC DC-0002 (PPO) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. You will pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, while additional days beyond the standard Medicare limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC DC-0002 (PPO) partially covers other services, offering over-the-counter (OTC) items and meal benefits for chronic illnesses with no copay and no coinsurance. Acupuncture is not covered under this plan benefit.
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