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AARP Medicare Advantage Patriot No Rx HI-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 HI-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 HI-MA02 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Hawaii County. 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 HI-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 HI-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 HI-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 $40.00. 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:
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Drug Coverage
Prescription drugs are not covered by AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO).
Additional Benefits
The AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) plan provides comprehensive healthcare coverage with predictable costs, including no copay and no coinsurance for primary care visits, telehealth services, and routine preventive care. For hospital stays, members pay a daily copay of $580 for the first three days of inpatient care, after which there is no copay for days four through 90. Emergency room visits carry a $130 copay, which is waived if admitted, while worldwide emergency and urgent care services are covered with no copay or coinsurance. This plan also features essential specialty benefits, offering routine dental, vision, and hearing exams with no copay. While preventive dental care is fully covered with no copay, Medicare-covered dental services, dialysis, and durable medical equipment require a 20% coinsurance. Prescription hearing aids and eyeglass lenses are available with variable copays, helping members manage out-of-pocket costs for critical health needs.
Inpatient Hospital See details
AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $580 daily copay for days 1 through 3 and no copay for days 4 through 90. Unlimited additional acute days are covered with no copay, while upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) covers outpatient services with no coinsurance, featuring copays of $0 to $580 for outpatient hospital services and a $580 daily copay for observation services. Ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse sessions require a $0 to $25 copay, with prior authorization required.
Partial Hospitalization See details
The AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) covers partial hospitalization benefits with a $55.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) covers Medicare-covered ground and air ambulance services with a $275 copay and no coinsurance, with prior authorization required. Transportation services, including travel to plan-approved or any health-related locations, are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) with a $130 copay and no coinsurance, with the copay waived if admitted to the hospital within 24 hours. Urgently needed services require a $0 to $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are fully covered with no copay and no coinsurance.
Primary Care See details
Primary Care benefits under the AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) plan are covered with no copay and no coinsurance for primary care provider visits and telehealth services. Specialist visits, mental health, and physical therapy require copays ranging from $0 to $60 with no coinsurance, while chiropractic services are partially covered due to other chiropractic services being excluded.
Preventive Services See details
Preventive services are covered by AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) with no copay and no coinsurance for annual physical exams, kidney disease education, select screenings, and fitness benefits. However, this benefit is only partially covered, as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, and in-home support are not covered.
Hearing Services See details
AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) offers partially covered hearing services with no deductible and no coinsurance, including one routine hearing exam per year with no copay. However, hearing aid fitting and evaluation, as well as inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered. Up to two prescription hearing aids per year are covered with a copay of $199.00 to $1,249.00, and up to two OTC hearing aids are covered with a copay of $199.00 to $829.00.
Vision Services See details
Vision services are partially covered by the AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) with no coinsurance or deductibles, offering no copay for annual routine eye exams, contact lenses, and eyeglass frames. Eyeglass lenses require a copay of $0.00 to $153.00 up to a combined $150 eyewear limit every two years, whereas other eye exams, upgrades, and packaged eyeglasses (lenses and frames) are not covered.
Dental Services See details
Dental services are partially covered by the AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) plan, featuring Medicare-covered dental with no copay and 20% coinsurance, and preventive dental care with no copay and no coinsurance. However, restorative services, endodontics, periodontics, prosthodontics, implants, oral surgery, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs carry a 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
AARP Medicare Advantage Patriot No Rx HI-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
AARP Medicare Advantage Patriot No Rx HI-MA02 (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, with prior authorization required for these services.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under the AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) plan, with prior authorization required. Diagnostic tests require a $50 copay with no coinsurance, while lab services have no copay and no coinsurance. Outpatient x-rays carry a $30 copay with coinsurance, diagnostic radiological services start at no copay, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by the AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) with no coinsurance and prior authorization required, although only some services are covered in practice. Specifically, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered, with copays ranging from no copay to $15.
Skilled Nursing Facility (SNF) See details
The AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage Patriot No Rx HI-MA02 (PPO) partially covers other services, providing acupuncture with a $10.00 copay and no coinsurance for up to 12 treatments per year, and chronic illness meals with no copay, no coinsurance, and prior authorization. Over-the-counter (OTC) items are not covered under this plan.
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