A non-government entity
AARP Medicare Advantage from UHC IN-0009 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC IN-0009 (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-0009 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC IN-0009 (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 2026.
It's important to know that AARP Medicare Advantage from UHC IN-0009 (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-0009 (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-0009 (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 $520.00 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 $6700.00 (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 $6700.00 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 from UHC IN-0009 (PPO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The AARP Medicare Advantage from UHC IN-0009 (PPO) plan features an annual drug deductible of $520. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, or for 3-month mail order refills. Tier 2 generic medications cost a $14 copay for a 1-month supply at standard pharmacies, but they feature no copay for a 3-month supply filled via preferred mail order. Higher-tier medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 15% coinsurance for standard pharmacy and mail order fills. Tier 4 non-preferred drugs carry a 37% coinsurance, and Tier 5 specialty medications require a 27% coinsurance for a 1-month supply.
Additional Benefits
The AARP Medicare Advantage from UHC IN-0009 (PPO) plan offers affordable coverage with no copay for primary care, telehealth, and preventive services, while specialist visits require up to a $50 copay. For hospital care, inpatient stays carry a $495 daily copay for the first few days, whereas outpatient hospital services range from no copay up to a $495 copay. Emergency room visits require a $130 copay, which is waived if you are admitted, and there is no coinsurance for inpatient, outpatient, or emergency services. Routine vision and hearing exams, along with preventive dental cleanings and x-rays, are available with no copay or coinsurance. However, prescription hearing aids and eyeglass lenses require copays, and comprehensive dental services are not covered under this plan. Diagnostic lab work has no copay, while dialysis and durable medical equipment generally require a 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC IN-0009 (PPO) covers inpatient hospital services with no coinsurance, requiring a $495 daily copay for days 1 to 5 of acute stays (with no copay for days 6 and beyond) and a $495 daily copay for days 1 to 4 of psychiatric stays (with no copay for days 5 to 90). This benefit is partially covered, as hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient Services covered by AARP Medicare Advantage from UHC IN-0009 (PPO) feature no coinsurance across all benefits, with no copay required for ambulatory surgical center and blood services. Outpatient hospital and observation services require a copay ranging from $0 to $495, while outpatient substance abuse services require a copay of $0 to $25 for individual sessions and $15 for group sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC IN-0009 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC IN-0009 (PPO) covers ground and air ambulance services with a $255 copay and no coinsurance, though prior authorization is required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage from UHC IN-0009 (PPO) covers emergency services with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a copay of $0 to $50 with no coinsurance, while worldwide emergency, urgent, and transportation services are covered with no copays and no coinsurance.
Primary Care See details
AARP Medicare Advantage from UHC IN-0009 (PPO) offers primary care and telehealth services with no copay and no coinsurance. Specialist visits require a $0 to $50 copay, therapy services cost $40, and mental health sessions range from a $0 to $25 copay, all with no coinsurance. Chiropractic services are partially covered with a $15 copay and no coinsurance, but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive services are partially covered by AARP Medicare Advantage from UHC IN-0009 (PPO) with no copay and no coinsurance for covered options such as annual physical exams, fitness benefits, and kidney disease education. However, many supplemental benefits are not covered, including health education, in-home safety assessments, medical nutrition therapy, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered by AARP Medicare Advantage from UHC IN-0009 (PPO) with no deductible and no coinsurance. Routine hearing exams have no copay, prescription hearing aids have a $199.00 to $1,249.00 copay, and OTC hearing aids have a $199.00 to $829.00 copay, though fitting and evaluation exams along with inner, outer, and over the ear prescription hearing aids are not covered.
Vision Services See details
AARP Medicare Advantage from UHC IN-0009 (PPO) offers partially covered vision services, featuring one routine eye exam annually and eyeglass frames with no copay and no coinsurance. Contact lenses (no copay) and eyeglass lenses ($0 to $153 copay) are also covered with no coinsurance up to a combined $300 limit every two years, while other eye exam services, upgrades, and eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage from UHC IN-0009 (PPO) partially covers dental services, providing preventive care such as exams, cleanings, and x-rays with no copay and no coinsurance, and Medicare-covered dental services with no copay and a 20% coinsurance. Comprehensive services, including restorative, endodontics, periodontics, prosthodontics, implants, orthodontics, and oral surgery, are not covered under this plan.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage from UHC IN-0009 (PPO) with no copay, while associated Medicare Part B chemotherapy and other Part B drugs require no coinsurance to 20% coinsurance. Covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance, and prior authorization is required.
Dialysis Services See details
Dialysis services are covered under the AARP Medicare Advantage from UHC IN-0009 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Medical Equipment See details
AARP Medicare Advantage from UHC IN-0009 (PPO) covers medical equipment, including 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, with prior authorization required for these benefits.
Diagnostic and Radiological Services See details
AARP Medicare Advantage from UHC IN-0009 (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Under this plan, diagnostic procedures and outpatient x-rays require a $5 copay, therapeutic radiology has a $50 copay, and lab services and diagnostic radiology are covered with no copay.
Home Health Services See details
AARP Medicare Advantage from UHC IN-0009 (PPO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by AARP Medicare Advantage from UHC IN-0009 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for 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 IN-0009 (PPO) with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required for admission, additional days beyond the 100 Medicare-covered days are not covered.
Other Services See details
Other Services are partially covered by AARP Medicare Advantage from UHC IN-0009 (PPO), which includes a meal benefit for chronic illnesses with no copay and no coinsurance, though prior authorization is required. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved