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AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage Patriot No Rx NM-MA02 (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 Patriot No Rx NM-MA02 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select counties in New Mexico. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about AARP Medicare Advantage Patriot No Rx NM-MA02 (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 Patriot No Rx NM-MA02 (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. Additionally, this plan comes with a Part B Premium reduction of $115.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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:
Sign up for AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO)
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) plan offers robust medical coverage with no copay for primary care, telehealth, and preventive services, while specialist visits range from no copay to a $60 copay. For hospital care, inpatient stays require a $535 daily copay for days one through four and no copay for days five through 90. Emergency room visits carry a $130 copay, which is waived if you are admitted, and worldwide emergency services are available with no copay. This plan also features valuable supplemental benefits, including diagnostic and preventive dental care with no copay up to a $1,500 annual limit. Vision and hearing benefits include routine annual exams with no copay, alongside a $250 eyewear allowance every two years and hearing aid coverage. Additionally, members benefit from home health services with no copay, while durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
Inpatient Hospital benefits under the AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) are partially covered with no coinsurance, featuring a $535 daily copay for days 1 through 4 and no copay for days 5 through 90 for both acute and psychiatric stays. Unlimited additional acute days are covered at no copay, but additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) with no coinsurance, featuring a copay of $0 to $535 for outpatient hospital services and $535 per day for observation services. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse services have a $0 to $25 copay per session with no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by the AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) with a $55.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) covers ground and air ambulance services with a $290 copayment and no coinsurance, though prior authorization is required. Routine transportation services to plan-approved or other health-related locations are not covered under this plan.
Emergency Services See details
AARP Medicare Advantage Patriot No Rx NM-MA02 (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 copay and no coinsurance.
Primary Care See details
AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $60 copay with no coinsurance. Physical, occupational, mental health, and podiatry services range from a $0 to $60 copay with no coinsurance, though chiropractic services are not covered in practice because routine and other chiropractic sub-services are excluded.
Preventive Services See details
AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) offers partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, fitness benefits, home safety devices, and select screenings. However, several supplemental services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and alternative therapies.
Hearing Services See details
Hearing services are partially covered by the AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) plan with no deductibles and no coinsurance. Routine hearing exams are covered once per year with no copay, but hearing aid fittings and evaluations are not covered. The plan also covers up to two prescription or OTC hearing aids per year with no coinsurance and copays ranging from $199.00 to $1,249.00, excluding inner ear, outer ear, and over the ear prescription models.
Vision Services See details
AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) provides partially covered vision services with no deductible and no coinsurance, featuring no copay for annual routine eye exams and a $250 eyewear allowance every two years. Covered eyewear includes contact lenses and frames with no copay, and lenses with a $0 to $153 copay, while other eye exams, upgrades, and combined eyeglasses (lenses and frames) are not covered.
Dental Services See details
AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) offers partially covered dental services with a $1,500 yearly limit for combined in- and out-of-network care. Diagnostic and preventive dental care features no copay and no coinsurance, while Medicare-covered services (20% coinsurance) and covered comprehensive services, excluding implants and orthodontics (50% coinsurance), require no copay.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs require a coinsurance ranging from no coinsurance to 20%, while Part B insulin requires a $35 copay and coinsurance ranging from no coinsurance to 20%.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO), featuring no copay and a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. 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 Patriot No Rx NM-MA02 (PPO) covers diagnostic and radiological services, which require prior authorization. Diagnostic procedures and tests carry a $50 copay with no coinsurance, outpatient X-rays have a $30 copay, therapeutic radiological services require 20% coinsurance, and lab and diagnostic radiological services are available with no copay.
Home Health Services See details
The AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) plan covers Home Health Services with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) covers Skilled Nursing Facility (SNF) services 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 additional days beyond the standard 100-day benefit period are not covered.
Other Services See details
Other services are partially covered by the AARP Medicare Advantage Patriot No Rx NM-MA02 (PPO) plan, which offers over-the-counter (OTC) items and chronic illness meals with no copay and no coinsurance. Acupuncture and other unspecified services are not covered under this benefit, and prior authorization is required for the meal benefit.
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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.
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