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AARP Medicare Advantage from UHC CO-0013 (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for AARP Medicare Advantage from UHC CO-0013 (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 CO-0013 (PPO) in 2026, please refer to our full plan details page.
AARP Medicare Advantage from UHC CO-0013 (PPO) is a PPO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Select Counties in Colorado. 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 CO-0013 (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 CO-0013 (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 CO-0013 (PPO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $29.00. 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 $600.00 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 CO-0013 (PPO) plan features an annual drug deductible of $600. For Tier 1 preferred generic drugs, members pay no copay for a 1-month or 3-month supply at standard pharmacies, or for a 3-month supply through mail order. Tier 2 generic medications require a $10 copay for a 1-month supply at standard pharmacies, but they feature no copay for a 3-month supply through preferred mail order. For higher-tier medications, cost-sharing transitions from flat copays to coinsurance percentages. Tier 3 preferred brand drugs require a 17% coinsurance for both 1-month and 3-month supplies. Tier 4 non-preferred drugs and Tier 5 specialty drugs carry a 34% and 26% coinsurance respectively for a 1-month supply across standard pharmacies and mail order options.
Additional Benefits
The AARP Medicare Advantage from UHC CO-0013 (PPO) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care, telehealth, and routine preventive visits. Specialist visits require a copay ranging from no copay up to $60, while emergency room services feature a $130 copay that is waived upon hospital admission. For hospital stays, inpatient care requires a $550 daily copay for the first few days, while outpatient hospital services range from no copay up to $550. Routine vision and hearing exams are covered with no copay, though hearing aids are not covered and eyewear is subject to a $250 limit every two years. Dental benefits include preventive care with no copay, while Medicare-covered dental services, dialysis, and durable medical equipment require a 20% coinsurance. Additionally, home health services and over-the-counter items are fully covered with no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital services are covered by AARP Medicare Advantage from UHC CO-0013 (PPO) with no coinsurance, requiring a $550 copay for days 1 through 5 of acute stays and days 1 through 4 of psychiatric stays, with no copay for subsequent days. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
AARP Medicare Advantage from UHC CO-0013 (PPO) covers outpatient services with no coinsurance, though prior authorization is required. There is no copay for ambulatory surgical center and blood services, while outpatient hospital services range from no copay to $550, observation services cost $550 per day, and outpatient substance abuse sessions require a copay ranging from no copay to $25.
Partial Hospitalization See details
AARP Medicare Advantage from UHC CO-0013 (PPO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to receive these covered services.
Ambulance and Transportation Services See details
AARP Medicare Advantage from UHC CO-0013 (PPO) covers ground and air ambulance services with a $290 copayment and no coinsurance, subject to prior authorization. Non-emergency transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by AARP Medicare Advantage from UHC CO-0013 (PPO) with a $130 copay and no coinsurance, and this copay is waived if you are admitted to the hospital within 24 hours. Urgently needed services feature 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 CO-0013 (PPO) offers primary care and telehealth services with no copay and no coinsurance, while specialist visits require a $0 to $60 copay and no coinsurance. Chiropractic services are partially covered, as routine chiropractic care and other chiropractic services are not covered, while other therapies and mental health services feature copays ranging up to $60 and no coinsurance.
Preventive Services See details
AARP Medicare Advantage from UHC CO-0013 (PPO) covers preventive services, including annual physical exams, kidney disease education, glaucoma screenings, and home and bathroom safety devices, with no copay and no coinsurance. These benefits are partially covered, as several additional services such as fitness benefits, health education, in-home safety assessments, and nutritional/dietary counseling are not covered.
Hearing Services See details
AARP Medicare Advantage from UHC CO-0013 (PPO) covers hearing services, providing one routine hearing exam annually with no copay, no coinsurance, and no deductible, though prior authorization is required. While some prescription hearing aid services are covered, fitting and evaluation exams, OTC hearing aids, and all types of prescription hearing aids (including inner ear, outer ear, and over the ear) are not covered in practice.
Vision Services See details
Vision services are partially covered by AARP Medicare Advantage from UHC CO-0013 (PPO) with no coinsurance, offering no copay for annual routine eye exams and contact lenses, and a $0 to $153 copay for eyeglass lenses, subject to a $250 combined eyewear limit every two years. Other eye exam services, combined eyeglasses (lenses and frames), and upgrades are not covered.
Dental Services See details
AARP Medicare Advantage from UHC CO-0013 (PPO) partially covers dental services, offering Medicare-covered dental care with no copay and a 20% coinsurance, as well as preventive services with no copay and no coinsurance. However, several comprehensive services are not covered, including restorative, endodontics, periodontics, prosthodontics, implants, orthodontics, and oral surgery.
Home Infusion bundled Services See details
Home infusion bundled services are covered by AARP Medicare Advantage from UHC CO-0013 (PPO) with no copay, while associated Part B chemotherapy and other drugs require no copay and 0% to 20% coinsurance. Covered Part B insulin has a $35 copay and 0% to 20% coinsurance, with prior authorization and step therapy required for these services.
Dialysis Services See details
Dialysis services are covered by AARP Medicare Advantage from UHC CO-0013 (PPO) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
AARP Medicare Advantage from UHC CO-0013 (PPO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance. Diabetic supplies are also covered with no copay, while diabetic therapeutic shoes and inserts require a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by AARP Medicare Advantage from UHC CO-0013 (PPO) with no coinsurance, though prior authorization is required. Lab services and certain diagnostic radiology services have no copay, while diagnostic procedures and tests require a $5 copay, outpatient X-rays require a $30 copay, and therapeutic radiological services have a copay starting at $60.
Home Health Services See details
Home Health Services are covered under the AARP Medicare Advantage from UHC CO-0013 (PPO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered with no copay and no coinsurance under AARP Medicare Advantage from UHC CO-0013 (PPO), though prior authorization is required. In practice, some services are covered but cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
AARP Medicare Advantage from UHC CO-0013 (PPO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring no copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and while a three-day prior hospital stay is not necessary, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
AARP Medicare Advantage from UHC CO-0013 (PPO) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance, which includes nicotine replacement therapy and naloxone. However, acupuncture, meal benefits, and some drugs on the CMS OTC list are not covered under this plan.
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