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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 2025, 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 2025.
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 $420.00 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 has an "Enhanced Alternative" drug benefit. The plan has a deductible of $420.00. In the initial coverage phase, after you meet your deductible, you will pay a copay for your prescriptions. For example, the copay for a standard generic drug is $10.00, while a preferred brand drug has a copay of $100.00. After your total drug costs reach $2000.00, you enter the catastrophic coverage phase.
Additional Benefits
The AARP Medicare Advantage from UHC DC-0002 (PPO) plan offers a range of benefits with varying cost-sharing. The plan covers inpatient hospital stays with a copay, and outpatient services including primary care, preventive services, hearing, vision, and dental services with no copay for some services. Other benefits include ambulance, emergency, and home health services with a copay or coinsurance, along with coverage for medical equipment, and diagnostic services. This plan also includes benefits for home infusion, dialysis, and skilled nursing facilities, and other services such as over-the-counter items and meal benefits. However, it's important to note that certain services like additional home health hours, personal care services, and specific rehabilitation services are not covered. Be sure to review the details to understand the copays and coinsurance amounts for each service.
Inpatient Hospital See details
Inpatient Hospital coverage includes Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both of which require prior authorization. For Inpatient Hospital-Acute, you will pay a copay of $385 for days 1-5, and no copay for days 6-90, and no coinsurance. For Inpatient Hospital Psychiatric, you will pay a copay of $385 for days 1-4, and no copay for days 5-90, and no coinsurance. Additional Days for Inpatient Hospital-Acute are covered with no copay and no coinsurance. Non-Medicare-covered stays and upgrades for Inpatient Hospital-Acute, and Additional Days and Non-Medicare-covered stays for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a copay between $0 and $385, observation services with a $385 copay, ambulatory surgical center services with no copay, outpatient substance abuse services with a copay between $0 and $25 for individual sessions and a $15 copay for group sessions, and outpatient blood services with no copay. Prior authorization is required for all services.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC DC-0002 (PPO) plan, but requires prior authorization. The plan has a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC DC-0002 (PPO). Ground and Air Ambulance Services have a $275 copay, with no coinsurance, and Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered, with a $125 copay and no coinsurance. Urgently Needed Services have a copay between $0 and $55, with no coinsurance. Worldwide Emergency Services, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, are covered with no coinsurance, and a $0 copay for each service.
Primary Care See details
The AARP Medicare Advantage from UHC DC-0002 (PPO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, occupational therapy with a $0-$30 copay, and physician specialist services with a $0-$30 copay. Mental health specialty services, podiatry services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services, and opioid treatment program services have varying copays. Additional telehealth benefits have no copay.
Preventive Services See details
Preventive Services include coverage for annual physical exams with no copay, and additional preventive services including fitness benefits and home and bathroom safety devices and modifications. Some additional preventive services such as health education, in-home safety assessments, and others are not covered.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are limited to one per year with no copay. Prescription hearing aids are covered with a copay between $199 and $1249, while OTC hearing aids have a copay between $99 and $829. Fitting/evaluation for hearing aids, and prescription hearing aids for inner ear, outer ear, and over the ear are not covered.
Vision Services See details
The AARP Medicare Advantage from UHC DC-0002 (PPO) plan covers vision services, including routine eye exams with no copay. Eyewear benefits are partially covered, with contact lenses, eyeglass lenses, and eyeglass frames covered with no copay, but eyeglass frames are not covered.
Dental Services See details
Dental Services includes coverage for Medicare Dental Services with 20% coinsurance, and other dental services, with a maximum benefit of $2,000 per year. Oral exams, dental x-rays, other diagnostic and preventive services, prophylaxis, and fluoride treatments are covered with no copay. Restorative services, adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, and oral and maxillofacial surgery are covered with no copay. Prosthodontics (removable and fixed) have a coinsurance between 0% and 50%. Implant and orthodontic services are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Insulin and other Medicare Part B drugs; a $35 copay applies to Medicare Part B Insulin Drugs, and coinsurance applies to all services, ranging from 0% to 20% depending on the specific drug. Prior authorization is required.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC DC-0002 (PPO) plan. There is a 20% coinsurance for dialysis services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME), Prosthetics/Medical Supplies, and Diabetic Equipment. DME has a 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetic Devices have a 20% coinsurance. Medical Supplies have a 20% coinsurance. Diabetic Supplies have no copay, while Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered, including diagnostic procedures/tests with a $50 copay, lab services with no copay, diagnostic radiological services with a copay up to $250, therapeutic radiological services with 20% coinsurance, and outpatient X-ray services with a $25 copay. Prior authorization is required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC DC-0002 (PPO) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Prior authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the AARP Medicare Advantage from UHC DC-0002 (PPO) plan, but require prior authorization. There is no copay for days 1-20, and a $203 copay for days 21-100; additional days beyond Medicare-covered SNF and non-Medicare-covered SNF stays are not covered.
Other Services See details
Other Services include coverage for Over-the-Counter (OTC) Items with no copay, and a Meal Benefit with no copay and requires prior authorization. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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