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AARP Medicare Advantage from UHC DE-0002 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC DE-0002 (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 DE-0002 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC DE-0002 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in State of Delaware. 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 DE-0002 (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 DE-0002 (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 DE-0002 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $52.00. 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 $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 DE-0002 (PPO) plan features an annual drug deductible of $520. Under this plan, you will pay no copay for Tier 1 preferred generic and Tier 2 generic drugs when filling a 1-month or 3-month supply at a standard pharmacy. Additionally, there is no copay for a 3-month supply of these same generic tiers when filled through standard mail order. For Tier 3 preferred brand drugs, you will pay an 18% coinsurance for standard pharmacy fills and standard mail orders. Tier 4 non-preferred drugs require a 43% coinsurance for a 1-month supply at standard pharmacies and through standard mail order. Finally, Tier 5 specialty drugs incur a 27% coinsurance for a 1-month supply through standard retail or mail order services.
Additional Benefits
The AARP Medicare Advantage from UHC DE-0002 (PPO) plan offers robust coverage for everyday healthcare needs, featuring no copay for primary care visits, annual physicals, and routine eye exams. Specialist visits require a low copay of $0 to $30, while preventive dental services are fully covered with no copay. Additionally, the plan provides a $3,000 annual dental limit and a $300 eyewear allowance every two years to help minimize your out-of-pocket expenses. For more intensive care, inpatient hospital admissions require a $450 copay, while emergency room visits have a $130 copay that is waived if you are admitted. Many essential services, including home health care, lab tests, and the first 20 days in a skilled nursing facility, are available with no copay or coinsurance. Other specialized services like durable medical equipment and dialysis require no copay and a standard 20% coinsurance.
Inpatient Hospital See details
AARP Medicare Advantage from UHC DE-0002 (PPO) covers inpatient acute and psychiatric hospital stays with a $450 copay per admission and no coinsurance, though prior authorization is required. Unlimited additional acute care days are covered with 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 from UHC DE-0002 (PPO) with no coinsurance, featuring a $0 to $450 copay for outpatient hospital services and a daily $450 copay for observation services. Ambulatory surgical center and outpatient blood services have no copay and no coinsurance, while outpatient substance abuse services require a $15 copay for group sessions and a $0 to $25 copay for individual sessions.
Partial Hospitalization See details
AARP Medicare Advantage from UHC DE-0002 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive this covered benefit.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC DE-0002 (PPO) covers ground and air ambulance services with a $275 copay and no coinsurance, subject to prior authorization. While some transportation services are covered, trips to plan-approved health-related locations and any other health-related locations are not covered.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC DE-0002 (PPO) with a $130 copay and no coinsurance, which is 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 from UHC DE-0002 (PPO) covers primary care and telehealth services with no copay and no coinsurance, while specialist and mental health visits have copays from $0 to $30 with no coinsurance. Physical, occupational, and speech therapies require a $25 copay with no coinsurance, whereas chiropractic services are only partially covered because routine and other chiropractic services are not covered. Podiatry services are covered with a $30 copay and no coinsurance, which includes up to six routine visits per year.
Preventive Services See details
AARP Medicare Advantage from UHC DE-0002 (PPO) covers preventive services, including annual physicals, kidney education, glaucoma screenings, diabetes training, digital rectal exams, and post-welcome visit EKGs, with no copay and no coinsurance. Additional preventive services are partially covered; the fitness benefit features no copay and no coinsurance, but health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC DE-0002 (PPO) partially covers hearing services, offering one annual routine hearing exam with no copay and no coinsurance, though hearing aid fittings and evaluations are not covered. Up to two prescription hearing aids (copay of $199.00 to $1,249.00) and two OTC hearing aids (copay of $199.00 to $829.00) are covered per year with no coinsurance, but inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
AARP Medicare Advantage from UHC DE-0002 (PPO) provides partially covered vision services with no deductible and no coinsurance, featuring one routine eye exam per year with no copay. Eyewear is covered up to a $300 limit every two years with no copay for contacts and frames, and a $0 to $153 copay for lenses, though upgrades, complete eyeglasses, and other eye exams are not covered.
Dental Services See details
Dental services are partially covered by AARP Medicare Advantage from UHC DE-0002 (PPO) up to a $3,000 annual limit, featuring preventive care with no copay and no coinsurance. Covered comprehensive services require no copay and a 50% coinsurance (20% coinsurance for Medicare-covered dental), though implant services and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC DE-0002 (PPO) with no copay, subject to prior authorization and step therapy. Covered Medicare Part B chemotherapy, radiation, and other drugs have no copay and a coinsurance ranging from no coinsurance to 20%, while Part B insulin drugs require a $35 copay and ranging from no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the AARP Medicare Advantage from UHC DE-0002 (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
AARP Medicare Advantage from UHC DE-0002 (PPO) covers durable medical equipment, prosthetics, medical supplies, and diabetic services with no copay and a 20% coinsurance. Prior authorization is required for most of these covered items, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC DE-0002 (PPO), though prior authorization is required. Lab services have no copay and no coinsurance, diagnostic tests require a $50 copay and no coinsurance, outpatient X-rays require a $30 copay, diagnostic radiology has no copay, and therapeutic radiology requires 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC DE-0002 (PPO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by AARP Medicare Advantage from UHC DE-0002 (PPO) with no copay and no coinsurance, though prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered in practice.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC DE-0002 (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, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC DE-0002 (PPO) partially covers Other Services, offering a meal benefit for chronic illnesses with no copay and no coinsurance, subject to prior authorization. Acupuncture and Over-the-Counter (OTC) items are not covered under this benefit.
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