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AARP Medicare Advantage from UHC NC-0017 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC NC-0017 (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 NC-0017 (PPO) in 2025, please refer to our full plan details page.
AARP Medicare Advantage from UHC NC-0017 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select counties in North Carolina. 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 NC-0017 (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 NC-0017 (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 NC-0017 (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 $0.40. 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.
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 NC-0017 (PPO) plan has a $420 deductible for prescription drugs. After the deductible, you will pay a copay or coinsurance depending on the drug tier and pharmacy. For example, you can expect to pay a $10 copay for a standard generic drug at a standard pharmacy, and a $100 copay for a preferred brand drug. For non-preferred drugs, you will pay 28% coinsurance.
Additional Benefits
The AARP Medicare Advantage from UHC NC-0017 (PPO) plan offers a wide range of benefits with varying costs. Hospital stays have a copay for the first few days, and then no copay for the remainder of the stay. Outpatient services have copays that vary by the service, and emergency services have a $125 copay. This plan covers many primary care services with no copay, and also offers vision and dental coverage. The plan provides coverage for hearing, with no copay for exams, and copays for hearing aids. There is a 20% coinsurance for Durable Medical Equipment and Prosthetics.
Inpatient Hospital See details
Inpatient Hospital benefits, including Acute and Psychiatric, are covered. For Inpatient Hospital-Acute, you will pay a $385 copay for days 1-6, and no copay for days 7-90, with no coinsurance. For Inpatient Hospital Psychiatric, you will pay a $385 copay for days 1-5, and no copay for days 6-90, with no coinsurance.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with a copay between $0 and $385, and observation services with a copay of $385 per day. Ambulatory Surgical Center (ASC) Services and Outpatient Blood Services have no copay, and Individual Sessions for Outpatient Substance Abuse have a copay between $0 and $25, while Group Sessions for Outpatient Substance Abuse have a copay of $15.
Partial Hospitalization See details
Partial Hospitalization is covered by the AARP Medicare Advantage from UHC NC-0017 (PPO) plan. You will have a $55 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required for all ambulance services. Ground and air ambulance services each have a $275 copay, with no coinsurance. Transportation services to plan-approved and any health-related locations are not covered.
Emergency Services See details
Emergency services are covered by the AARP Medicare Advantage from UHC NC-0017 (PPO) plan with a $125 copay, and no coinsurance. Urgently needed services have a copay between $0 and $55, with no coinsurance, and worldwide emergency services are covered with a $0 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, and no coinsurance.
Primary Care See details
The AARP Medicare Advantage from UHC NC-0017 (PPO) plan covers Primary Care Physician Services with no copay, Chiropractic Services with a $20 copay, Occupational Therapy Services with a $0-$35 copay, Physician Specialist Services with a $0-$35 copay, and Mental Health Specialty Services with a $0-$25 copay for individual sessions and a $15 copay for group sessions. This plan also covers Podiatry Services with a $35 copay, Other Health Care Professional services with a $0-$35 copay, Psychiatric Services with a $0-$25 copay for individual sessions and a $15 copay for group sessions, Physical Therapy and Speech-Language Pathology Services with a $0-$35 copay, Additional Telehealth Benefits with no copay, and Opioid Treatment Program Services with no copay. Routine chiropractic care is not covered.
Preventive Services See details
Preventive Services include Medicare-covered services with no copay, and an annual physical exam with no copay. Additional preventive services, including fitness benefits and home and bathroom safety devices, have a copay.
Hearing Services See details
Hearing exams are covered with no copay, and routine hearing exams are covered annually with no copay. Prescription hearing aids are covered with a copay between $199 and $1249, and OTC hearing aids are covered with a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
The AARP Medicare Advantage from UHC NC-0017 (PPO) plan covers vision services, including routine eye exams and eyewear. Eye exams and contact lenses have no copay, while eyeglass lenses have a copay between $0 and $153, and eyeglass frames have no copay. Eyeglass frames are limited to one every two years, while contact lenses are unlimited. Eyeglasses and upgrades are not covered.
Dental Services See details
The AARP Medicare Advantage from UHC NC-0017 (PPO) plan covers dental services, including oral exams, dental x-rays, other diagnostic and preventive services, and orthodontics. Oral exams, dental x-rays, other diagnostic services, prophylaxis (cleaning), fluoride treatments, other preventive services, and oral and maxillofacial surgery have no copay, and orthodontics is covered under diagnostic and preventive dental.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs, Medicare Part B Chemotherapy/Radiation Drugs, and Other Medicare Part B Drugs. For Medicare Part B Insulin Drugs, there is a $35 copay with a coinsurance between 0% and 20%; the plan also has a coinsurance between 0% and 20% for Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs.
Dialysis Services See details
Dialysis Services are covered by the AARP Medicare Advantage from UHC NC-0017 (PPO) plan, but require prior authorization. The plan has a coinsurance of 20% for dialysis services.
Medical Equipment See details
Medical Equipment, including Durable Medical Equipment, Prosthetics, and Diabetic Equipment, is covered. Durable Medical Equipment has a 20% coinsurance and requires authorization, while Durable Medical Equipment for use outside the home is not covered. Prosthetics and Medical Supplies have a 20% coinsurance, and Diabetic Supplies have no copay, and Diabetic Therapeutic Shoes/Inserts have a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for Diagnostic Procedures/Tests with a $50 copay, Lab Services with no copay, Diagnostic Radiological Services with a copay up to $225, Therapeutic Radiological Services with 20% coinsurance, and Outpatient X-Ray Services with a $15 copay. All services require prior authorization.
Home Health Services See details
Home Health Services are covered by the AARP Medicare Advantage from UHC NC-0017 (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 the plan does not cover Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, or SET for PAD Services. Prior authorization is required for this benefit.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $203.00.
Other Services See details
The AARP Medicare Advantage from UHC NC-0017 (PPO) plan covers Over-the-Counter (OTC) items with no copay, and a meal benefit with no copay and prior authorization required. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, and several other services are not covered.
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