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AARP Medicare Advantage from UHC IN-0008 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-0008 (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 IN-0008 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-0008 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Indiana. 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 IN-0008 (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 IN-0008 (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 IN-0008 (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 $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 IN-0008 (PPO) plan has an enhanced alternative drug benefit. The plan has a deductible of $420. Once you meet your deductible, you will pay a copay or coinsurance for your prescriptions depending on the drug tier and pharmacy. For example, you will pay a $12 copay for preferred generic drugs at a standard pharmacy. For preferred brand drugs, you will pay a $100 copay. After your total drug costs reach $2000, you enter the catastrophic coverage phase where you pay nothing for your Part D covered drugs.
Additional Benefits
The AARP Medicare Advantage from UHC IN-0008 (PPO) plan offers a range of benefits, including no copay for primary care visits, routine eye exams, and preventive services like annual physicals. The plan also covers inpatient hospital stays with a copay, outpatient services with varying copays, and offers coverage for hearing and vision services, along with dental services with a 20% coinsurance for Medicare Dental Services. Additional covered services include ambulance and emergency services with copays, and home health services with no copay. The plan also provides benefits for durable medical equipment, diagnostic and radiological services, and skilled nursing facility stays.
Inpatient Hospital See details
Inpatient Hospital benefits cover acute and psychiatric inpatient hospital stays, with a copay of $395 for days 1-5 and no copay for days 6-90 for acute stays, and a copay of $395 for days 1-4 and no copay for days 5-90 for psychiatric stays. Additional days for inpatient hospital-acute have no copay, while non-Medicare-covered stays and upgrades are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services with a copay of $0 to $395, observation services with a copay of $395, ambulatory surgical center services with no copay, outpatient substance abuse individual sessions with a copay between $0 and $25, and group sessions with a $15 copay. Outpatient blood services are covered with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the plan, but requires prior authorization. The copay for this benefit is $55.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by AARP Medicare Advantage from UHC IN-0008 (PPO). Ground and air ambulance services each have a $125 copay, and there is no coinsurance. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services are covered, with a $90 copay and no coinsurance. Urgently Needed Services are covered with a copay between $0 and $30, and no coinsurance. Worldwide Emergency Services are covered, including Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, each with no copay and no coinsurance.
Primary Care See details
Primary Care Physician Services are covered with no copay. Chiropractic Services have a $20 copay. Occupational Therapy Services have a $0-$40 copay. Physician Specialist Services have a $0-$40 copay. Mental Health Specialty Services have a $0-$25 copay for individual sessions and a $15 copay for group sessions. Podiatry Services have a $40 copay. Other Health Care Professional services have a $0-$40 copay. Psychiatric Services have a $0-$25 copay for individual sessions and a $15 copay for group sessions. Physical Therapy and Speech-Language Pathology Services have a $0-$40 copay. Additional Telehealth Benefits have no copay. Opioid Treatment Program Services have no copay.
Preventive Services See details
Preventive services include an annual physical exam with no copay, and additional preventive services, including fitness benefits and home and bathroom safety devices and modifications, with no copay. Health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, readmission prevention, wigs for hair loss related to chemotherapy, weight management programs, alternative therapies, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, remote access technologies, and counseling services are not covered. Kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following Welcome Visit are covered with no copay.
Hearing Services See details
Hearing exams are covered with no copay, while routine hearing exams are limited to one per year with no copay. Prescription hearing aids are partially covered, with all types of hearing aids covered at a copay between $199 and $1249 for two per year, but inner ear, outer ear and over the ear hearing aids are not covered. OTC hearing aids are covered with a copay between $99 and $829 for two per year.
Vision Services See details
Vision services include routine eye exams with no copay, and eyewear benefits. Eyewear benefits include contact lenses and eyeglass frames with no copay, and eyeglass lenses with a copay between $0 and $153, but eyeglass lenses and frames are limited to one pair every two years, with a combined maximum benefit of $300 every two years. Eyeglasses (lenses and frames) and upgrades are not covered.
Dental Services See details
Dental Services are covered, with a 20% coinsurance for Medicare Dental Services. Oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatments, and other preventive dental services are covered with no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, requiring prior authorization. Medicare Part B Insulin Drugs have a $35 copay and 0-20% coinsurance, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage from UHC IN-0008 (PPO) plan, and require prior authorization. The plan has a coinsurance of 20% for these services.
Medical Equipment See details
Medical Equipment coverage includes Durable Medical Equipment (DME) with 20% coinsurance, Prosthetics/Medical Supplies with 20% coinsurance, and Diabetic Equipment, with Diabetic Supplies having no copay, and Diabetic Therapeutic Shoes/Inserts with 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for diagnostic procedures/tests with a $25 copay, lab services with no copay, diagnostic radiological services with a copay of up to $205, therapeutic radiological services with a coinsurance of at least 20%, and outpatient X-ray services with a $15 copay. Prior authorization is required for all diagnostic and radiological services.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC IN-0008 (PPO) plan with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but none of the listed sub-services are covered. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are covered by the AARP Medicare Advantage from UHC IN-0008 (PPO) plan, with prior authorization required. There is no copay for days 1-20, but a $203 copay applies for days 21-100, and additional days beyond Medicare-covered, and non-Medicare-covered stays are not covered.
Other Services See details
The AARP Medicare Advantage from UHC IN-0008 (PPO) plan covers Over-the-Counter (OTC) Items and Meal Benefits with no copay. 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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